Disability Insurance for Addison, Dallas, Denton, Fort Worth, Houston, and Richardson, TX

Texans under age 65 who receive Medicare because of disabilities have a 6-month open enrollment period beginning the day they enroll in Medicare Part B. This open enrollment right is only applicable to Medigap Plan A. During open enrollment, companies selling Texas Medicare supplement insurance may not deny you a Plan A policy due to health conditions. However, insurance companies are NOT required to offer the 11 other plans to you.  They may do so only if they wish. For this reason, many Texas Medicare Supplement insurance carriers offer only Plan A to people under 65, although there a few exceptions.

One bit of good news is that individuals who are issued Medicare supplement coverage before age 65 have a second open enrollment period when they turn age 65. So while it’s possible that you may be unable to find a carrier offering the Medigap plan you want while you are under age 65, you will have a second opportunity to enroll in that plan when you turn 65 and enter a new open enrollment period.

Medicare Advantage Plans are also available.

Medicare Advantage plans are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

  • Medicare Health Maintenance Organization (HMOs)
  • Preferred Provider Organizations (PPO)
  • Private Fee-for-Service Plans
  • Medicare Special Needs Plans
  • Final Expense

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, generally there are extra benefits and lower copayments than in the Original Medicare Plan. However, you may have to see doctors that belong to the plan or go to certain hospitals to get services.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you might have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.