Medicare Supplement – Excess Charges

When comparing Medicare Supplement plans, you will often come across the term “Part B Excess Charges”. Part B Excess charges relate to what a doctor charges, and what the plan will actually cover. Medicare has a list of every imaginable procedure, and the costs associated with that visit or procedure. If you go to a

Retiree Health Insurance Coverage: What Actions to Take

Are you planning to retire soon? There can be much confusion that comes with trying to provide insurance for yourself and your spouse during this transitional time in your life. To top it off, you’re probably looking into Medicare eligibility too. Your retiree group health plan coverage depends on the terms of your specific plan.

9 Things You Need to Know About Medigap Policies

A Medicare supplement (Medigap) policy can cover health care costs such as copayments, coinsurance, and deductibles. With some policies, you can also receive coverage when you travel abroad. Here are 9 things you should know about Medigap policies: You must have Medicare Part A and Part B in order to receive a Medigap policy. You

Understanding Medicare in Texas

We’d like to help you understand your options by providing a general overview of the four major Medicare Parts. Part A is also referred to as hospital insurance. This part helps cover inpatient care in hospitals, skilled nursing facilities, or a Religious Nonmedical Health Care Institution. Part A also aids in the payment for hospice

Turning 65 in Texas- Medicare Resources – Texas Supplements and Medicare

Medicare Resource – Information and Resources for Medicare Eligible Texas Residents Whether you are turning 65 or are already enrolled in Medicare, you will most likely have questions. All of the information and resources available can be overwhelming. We have clients throughout all of Texas and Oklahoma, as well as many former residents that now reside out

Plan D – Medicare Insurance – Turning 65

What is Part or Plan “D” of Medicare? Occasionally you will hear someone mention “Plan D” in regard to Medicare insurance. Medicare has a few different parts which are designated with the letters A, B, C and D. There are also Medicare Supplement plans offered which are designated with letters as well. This creates a

Who is Eligible for Medicare Health Insurance?

Eligible for Medicare? To qualify for Medicare, you must be a U.S. citizen or a permanent legal resident for at least 5 years. In addition, you would need to meet any one of the following to be eligible for Medicare: Be age 65 or older and eligible for Social Security: You may be automatically enrolled

When Will My Medicare Start?

When Does Medicare Start? For most Americans, Medicare is a part of turning 65. It can be confusing and difficult to understand if you haven’t worked in the insurance industry directly. At Armor Insurance, we make it easier to understand. When Medicare starts depends on your birth-day and birth-month. Watch this short clip explaining when

High Deductible Plan “F”

After becoming eligible for Medicare, you have a multitude of plan types and options to choose from. If you decide to enroll in a Medicare Supplement Plan, or “Medigap” policy, you then must decide which supplement plan is right for you. One such policy is called the “High Deductible Plan F”, which is a separate

Federal Employee Turning 65

If you are a federal employee who is turning 65 and becoming eligible for Medicare, you might be wondering what options you have during this time. The first thing to consider if you have The Federal Employees Health Benefits (FEHB) Program is if you are going to take Medicare or not. It is important to