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So your on disability and since you can't get a supplement like you want you will just stick with Medicare alone, right?

WRONG!

This is why,

Your Medicare Part A:

You pay:

  • $1,216 deductible for each benefit period ($1,260 in 2015)
  • Days 1-60: $0 coinsurance for each benefit period ($0 in 2015)
  • Days 61-90: $304 coinsurance per day of each benefit period ($315 in 2015)
  • Days 91 and beyond: $608 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime) ($630 in 2015)
  • Beyond lifetime reserve days: all costs

Your Medicare Part B:

You pay:

  • $147.00 Yearly deductible (won't change in 2015)
  • Generally 20% of most medical related Medicare approved services
  • No LIMIT to 20%

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With this in mind, most Hospitals and Treatment Facilities outside of the county hospitals will want to know how you will cover your 20% as your Part A only covers a small potion of what is really billed out of these facilities. Many of the charges are billed under Part B.

They can turn you out if you can't pay and lets face it, Social Security isn't approving very many disability applications from wealthy people.

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Therefore, for this reason we have always recommended that people on Medicare Disability seriously considerMedicare Advantage Plans.

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Most of these plans are managed care plans where in some instances you have access to a limited network of physicians (like HMO), or even PPO"s where you can use providers that are out of network (the provider still has to accept the plans terms and conditions prior to giving you services)

the cost in many of these plans (PPO) to go out of network is so high which makes these plans no better than HMOs'. 

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To keep it simple for you,

WE do not recommend that ANYONE, regardless of abilities, pick and enroll into one of these plans (Advantage Plans) without speaking to us first.

We have had clients referred to us repeatedly over the years that was misled by the local agent who came and spent hours in their home one evening, then they find it does not actually work out once they are "LOCKED" in the plan.

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We have an A+ Rating in Customer Satisfaction with the Texas Better Business Bureau for over ten years and we have done these Medicare Advantage Plans for the last 10+ years as well. We have NEVER had a complaint filed against us because we make sure BEFORE you enroll, that the plan will work for you and that you understand how to get the most benefits from your new plan.

We also are here for you afterwards to help you through any appeals or exception request, as well as to guide you in the understanding of your plans restrictions and limitations.

You see WE understand that the fees these companies pay insurance agents is not really a commission, but rather servicing fees to provide you with your own independent representative to do the very things that we do for our clients. It's just most agents don't feel that way and that is why our service is above and beyond that which you will typically find.

Read ourTestimonialsto see for yourself, that your best interest is our TOP Priority!

Call Toll Free  877-793-4354

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Under 65 and on Medicare

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Information for people under 65(Medicare.gov & CMS.gov)

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How Medicare Works With Social Security Disability

Below is a video from CMS that helps explain how social security disability will work towards Medicare

Published on Oct 12, 2012

6:46 minutes

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                         What Is Medicare? (click to the left for pdf)

                                                   Published on Jun 3, 2014          (requires adobe acrobat)

5:28 minutes

This video will provide you with a high-level overview of the
Medicare Program. It includes basic information about Medicare's various parts and whom it covers

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Medigap policies for people under 65 and eligible for Medicare because of a disability or End-Stage Renal Disease (ESRD)

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You may have Medicare before 65 due to a disability or ESRD (permanent kidney failure requiring dialysis or a kidney transplant).

If you’re a person with Medicare under 65 and have a disability or ESRD, you might not be able to buy the Medigap policy you want, or any Medigap policy, until you turn 65. Federal law doesn’t require insurance companies to sell Medigap policies to people under 65. However, some states require Medigap insurance companies to sell you a Medigap policy, even if you’re under 65.

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Texans with Disabilities (Texas Department of Insurance)

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People under age 65 who receive Medicare because of disabilities have a six-monthopen enrollmentperiod beginning the day they

enroll in Medicare Part B. Thisopen enrollmentright only applies to Medicare supplement Plan A.

Companies that sell Medicare supplement plans in Texas may not deny you a Plan A policy because you have preexisting conditions.

(Only while you are inGuaranteed IssueorOpen Enrollment)

Companies may offer the other plans to Texans with disabilities, but they are not required.

Note:During the first six months after you turn 65 and are enrolled in Medicare Part B, you will have a right to buy any of the 10 plans.

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Below is a short video from CMS about people under 65 on Medicare Disability and Medigap Plans