Senior Solutions: Supplemental Insurance Medicare Advantage Plans, Medicare Prescription Drug Plans, Medicare Supplement Plans, Medigap for Addison, Dallas, Denton, Fort Worth, Houston, and Richardson, TX
PRS can find you the most affordable rates for the best coverage available.
We specialize in senior market products and services. PRS is recognized nationwide for its constant commitment to senior services and knowing the industries that serve them. We’ve never lost our old-fashioned sense of client-friendly customer service. At PRS, we provide assistance with services like enrollment periods, Medicare Supplements, Medicare Advantage (HMO/PPO enrollment), prescription drugs, and your final expenses, and we help you find a way to do it on a fixed income. Contact us today, and let us tell you we can help you find the most affordable rates today.
Find out when you can enroll, and when you should.
Some Medicare benefits are guaranteed during specific enrollment periods to individuals age 65 and over, called Part B, and there are open enrollment periods. So call our insurance sales agents today to see if enrollment criteria applies to you. We can help you sort out your options so you can make the best choices for your care.
Fill in the gaps with a Medigap policy.
As our Texas population ages, individuals inevitably encounter more medical problems that require additional, costly health care services. A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like care when you travel outside the United States. Medigap policies only supplement your Original Medicare benefits, and shouldn’t be confused with Medicare Advantage Plans.
Enroll in a managed or preferred provider plan and get the most from Medicare.
Medicare Advantage offers options for using your Medicare benefits by enrolling in HMO or PPO plans. Medicare Advantage Plans are health plan options approved by Medicare and offered by private companies. These plans are part of Medicare, and are sometimes referred to as “Part C” or “MA Plans.” Medicare Advantage companies receive a fixed amount from Medicare for your care every month, and generally provide medical and prescription drug coverage.
Don’t forget your prescription drug coverage.
There are two ways to get Medicare prescription drug coverage, either through a Medicare Prescription Drug Plan (Part D), or through a Medicare Advantage Plan with prescription drug coverage (MA-PD). Let the sales agents at PRS help you discover the most affordable Medicare plans available to you, and to understand when your coverage starts, what’s covered, and what to expect.
Ease the burden of your passing for those you love.
It’s critical you know what to expect when it’s time to plan for your final expenses. The knowledgeable and compassionate professionals at PRS can help you plan how your funeral costs are handled, so your family isn’t burdened with the task. Final Expense Insurance is a low-value life insurance policy designed to take care of the “final expenses” associated with one’s death and is purchased directly from an insurance company. People who currently have a serious health problem may still qualify for a policy with a “graded death benefit,” which means the coverage amount increases over time and your beneficiaries won’t receive the full face value if you die within the first few years of the policy. Pre-need or burial protection policies, in which funds can only be used cover the actual costs of burial, are also available. Ask the sales agents at PRS to help you choose the best plan for your final expenses.