Medicare is designed to help provide access to affordable health care to eligible individuals 65 and older and those with certain disabilities. Choosing the right Medicare coverage can seem confusing, however.  

The team at Longoria Insurance can help you determine which Medicare coverage best meets your needs. We can help you get the coverage you want at a great rate.  

Different Types of Medicare Insurance Plans 

 

There are several different types of Medicare insurance plans, each designed to meet specific health care needs. Your Medicare options may include the following: 

• Original Medicare (Parts A and B)
• Medicare Advantage (Part C)
• Medicare prescription drug plans (Part D)
• Medigap (supplemental) plans 

What Does Medicare Insurance Cover? 

 

Medicare insurance may help cover a range of health care services for eligible individuals 65 years of age or older and those with certain disabilities or chronic conditions. Individuals must understand their Medicare coverage and benefits to ensure they receive necessary health care services and avoid unexpected expenses. 

Each part covers particular health care needs, including the following: 

• Part A and Part B (Original Medicare) are the traditional fee-for-service programs that may help cover hospital and medical expenses. 
• Part A may help cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care services.
• Part B may help cover doctor visits, outpatient care, some preventive services, and durable medical equipment.
• Medicare Advantage (Part C) plans provide all of the benefits of Original Medicare but are offered by private companies approved by Medicare. These plans may also provide coverage for additional benefits such as prescription drug coverage, dental and vision.
• Medicare prescription drug (Part D) plans may help cover the costs of prescription drugs. 
• Medigap (supplemental) plans are designed to supplement Original Medicare by helping to cover deductibles, copayments, and other out-of-pocket costs. 

How to Choose the Right Medicare Insurance Plan for You 

 

Choosing the right Medicare insurance plan is an important decision that requires careful consideration. Your agent can help evaluate your health care needs, including any chronic conditions, prescription medications, and expected health care costs.  

If you are considering replacing Original Medicare with a Medicare Advantage plan, it is crucial to familiarize yourself with the network of health care providers and hospitals that accept the plan and the availability of additional benefits such as dental, vision, and hearing care. Be sure also to review the plan’s formulary to ensure that it covers your prescription medications. 

If you are considering adding Medigap coverage to your Original Medicare coverage, your agent can help you compare the benefits and costs of different Medigap plans offered in Texas. They can also help you choose a plan from a reputable insurer with a strong financial rating.  

Medigap plans do not cover prescription drug costs, so you may choose to add Part D coverage if you purchase Medigap coverage.  

Your agent can help you understand the costs associated with your Medicare coverage choice, including monthly premiums, deductibles, and copayments. Work with your agent to review and update your coverage annually to ensure it continues to meet changing health care needs. 

Contact Us 

 

Contact Longoria Insurance in Mission, Texas, to get appropriate Medicare coverage for your situation.  

1 - This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.