AN INTRODUCTION TO TEXAS MEDICARE INSURANCE

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Medicare is a health insurance program that is available to eligible residents in the state of Texas. Qualifying residents who meet the Medicare eligibility requirements will receive assistance with paying for a variety of health care costs. Additionally, Medicare supplement insurance is also available to people who need assistance paying for out-of-pocket expenses that Medicare will not cover. Individuals with other means of health insurance coverage may not need Medicare supplement insurance. However, recipients are encouraged to check with his or her health insurance company to find out what is and isn’t covered by Medicare. To be eligible to receive Medicare benefits in the state of Texas, participants must be 65 years of age or older. Certain exceptions may be made for applicants under the age of 65 who have disabilities.

Four Medicare insurance plans are available to qualifying participants, ranging from Part A to Part D:

Medicare Part A covers hospital services, nursing care after a hospital stay, home health care, hospice care and some blood draws.

Medicare Part B covers medical expenses, home health care, laboratory expenses, outpatient hospital treatments, medical supplies and equipment and preventative health services.

Medicare Part C is considered the Medicare Advantage Plan, which covers Medicare Part A and Medicare Part B. Generally, Part D is also offered under Medicare Advantage Plans. However, Medicare Part C is offered by private companies that have been approved by Medicare. Part C plans may provide additional coverage that original Medicare plans do not provide.

Medicare Part D includes prescription drug coverage for brand-name and generic drugs. Group health insurance plans may also cover prescription drugs.

However, there are several services that Medicare insurance does not cover. For instance, Medicare does not cover long-term care, custodial care, more than 100 days of nursing home care following a hospital stay, health care while traveling outside of the country, homemaker services, private-duty nursing care, dental care, dentures, routine foot care, cosmetic surgery, hearing aids and routine eye care or eyeglasses.