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The Benefits of Texas Medicare Supplemental Insurance

There are many health risks associated with getting older, even if you have been healthy most of your life, aches and pains increase with age. Preparing for the possible need for prescription medications, doctors appointments or hospital stays is something that everyone approaching senior citizen status should take under consideration. In many cases the stress associated with not being able to afford the necessary medical care can lead to depression and further health issues.

Medicare supplemental insurance in TexasEven if you have a Texas Medicare policy it’s a good idea to have a secondary insurer to help pay for expenses that aren’t covered. You see, Medicare only covers a maximum of 80% of the cost of treatment, and although that might seem like a lot, in the event that you need an extended hospital stay or surgery, 20% of $50 or $100k is a lot of money. This is especially true if you are living on a limited income and keep  a tight budget. Medicare supplemental insurance is one of the best ways to avoid financial stress due to unforeseen health issues.

Why Choose a Texas Medigap Plan

Texas MediGap is one of the best options for supplemental insurance, and is a common choice for many people. The company offers different levels of coverage that help supplement Medicare and cover whatever portion they don’t cover. In the event that you need more coverage you can increase it as you see fit. In most cases this is enough to offset the cost of the more expensive treatments and ease your financial burden.

Applications are open to Senior Citizens, anyone over the age of 65, and are available through TexasMedicareSupplements.net. Be sure to shop around to get the best deal possible as the cost might vary depending on the provider. Setting up your Medicare supplemental insurance is the best way to get the peace of mind you deserve.


A Basic Introduction To Life Insurance

Life insurance can be a confusing subject for many people, particularly when they are new to the process of buying a policy. Yes, it will be an added expense to the family budget, but there is no better financial decision that a person can make than the purchase of a life insurance policy that will provide protection to a family in case of the death of a breadwinner.

One kind of life insurance is labeled term life insurance because it only last for a term of time. This is the most inexpensive type of life insurance. The price will differ as to age, health status, and the amount of coverage that is purchased.  It is important for high risk categories, like people with diabetes to look into term life policies.  They will save you tons of money.  By working with a company like Root Financial, who specializes in life insurance for diabetics and other high risk life insurance categories, you can get very good term life insurance.

A term policy is a good fit for a young family with children, as more coverage can be purchased for a small cost on a month-to-month basis. The family will receive the maximum death benefit for the cost, and the coverage can provide coverage for funeral costs, final expenses, mortgages, and monthly income. The term policy lasts for a set period of years, such as 10, 20 or 30 years. These policies do not accumulate a cash value and the death benefit expires at the end of the policy term.

The second form of life insurance is called whole life insurance, or permanent. Whole life covers individuals to age 100 as a rule, then pays the death benefit to the insured, if he or she is still alive. These policies also have a cash value, which the policy owner can borrow from the policy, or cash in by canceling the policy. The one disadvantage of whole life is that the coverage is less than can be obtained with term life insurance and the policies are more expensive than term life coverage.

If you are in the process of buying life insurance for the first time, or reviewing current coverage, be sure and work with a licensed life agent, as they are knowledgeable and can offer specific advice that pertains to your specific situation.


Understanding Medicare Supplemental Insurance

If you are 65 years old, or older, you have probably learned that Medicare Parts A and B does not pay for all your medical expenses. That is why many people choose to obtain supplemental insurance. How do these plans work? Are they worthwhile? Before you go out and buy a supplemental policy, let’s talk about them for a few moments.

Supplemental policies, often referred to as Medigap policies, are sold by private insurance companies. They are not programs of the Federal government. They are designed to supplement your Medicare coverage. Many of these supplemental policies pay deductibles and cover co-insurance payments. Because the policies vary widely from state to state, it’s important to find the policy that is right for you.

Supplemental policies work hand-in-hand with Parts A and B of Medicare by enhancing the existing benefits. Medicare, as the primary policy, pays first. What is left over needs to be paid out of pocket or by a Medigap policy. Sadly, the older we grow, the more we spend on our healthcare. Therefore most people agree that supplemental insurance is important.

Most supplemental policies cover only medical procedures. They do not cover vision care or dental procedures. You may find, however, a few very innovative packages that provide dental or vision care in your area. If these benefits are important to you, ask your insurance agent.

How do you obtain supplemental insurance? First off, you must be enrolled in Medicare Parts A & B. Your Medigap policy must be identified as a supplemental policy to your Medicare coverage. And remember, each policy covers only one person. So if you are a married couple, you must each obtain a supplemental policy.

Before you purchase any insurance, make sure you compare policies and premiums. You want to ensure that the policy you choose provides the basic coverage you need. Go over all of the details with your insurance agent before making your decision. As a rule, you can only change your policy one time a year.


The Best No Exam Life Insurance Policy For You

What exactly is a no exam life insurance policy? Actually, as the title implies, no physical health examination is required for acceptance as a policy holder. It’s as simple as that. With most life insurance policies an exam is required and a potential insured has to fear the discovery of some unanticipated health issue that might prevent their being accepted, or at the least, might raise their premiums to an unacceptable level.

Those who find the idea of a no exam life insurance policy appealing usually have had health issues in the past that they fear might impact the insurance company’s decision to insure them, or may raise the cost of premiums beyond their ability to pay. Avoiding a health exam, however, may have its downside in that a no exam policy is usually up to three times higher than those in which you do go through the exam process. On the other hand, if your insurance agent knows of any preexisting conditions, he or she may be able to shop around to find you an affordable alternative that offers quality life insurance.

One appealing advantage of a no exam policy is you will get your coverage faster. The interim period while waiting for coverage to kick in can be a major source of concern to a potential policy holder, as this is a period during which his family remains unprotected. This is where a no exam policy is advantageous. Even with a no exam policy, however,, you will be required to answer certain questions about your current state of health. Your answers will serve to determine the cost of your policy.

So, there are pros and cons to both routes to obtaining life insurance. Either way, honesty is the best policy when it comes to answering any health questions. To do otherwise could jeopardize your coverage and possibly make you vulnerable to charges of insurance fraud. So, whichever choice you make, work WITH the system rather than trying to “beat” it, and you will have the comfort of knowing your family is protected in the event of your death.