When you elect to enroll for Medicare Part A and/or B coverage, you still have important decisions to make; should you buy a Medicare Supplement plan and/or a Medicare Part D Prescription plan? Deciding on how best to fill the gaps in your Medicare coverage can be a daunting and time consuming undertaking. You may be able to sort through all the options and do research on your own, but why should you when you have personable, professional help at the ready - at no cost to you? Let us carry the burden. Here’s how we can help.
We Can Help You Prepare - at the Right Time
When should you make these health insurance choices? That answer varies. For Medicare, there are multiple enrollment periods:
• The Initial Enrollment Period, a seven month timeframe: 3 months before, the month of, and 3 months after your 65th birthday,
• The annual Open Enrollment period (for those needing to make changes) from October 15 to December 7, and
• Special Enrollment Periods, tied to certain life events like losing coverage from your employer.
Whatever your situation, we are prepared at all times throughout the year if you have questions or need assistance.
Just reciting the many types of Medicare can make the mind reel. Medicare consists of parts A,B,C, and D – as well as supplemental plans A through N. You may reason that it would be best to keep things simple and stick with basic Medicare, but if you did, you would have many gaps in coverage. Here is just a partial list of what is not covered by a basic Medicare plan:
• The 20% coinsurance that Medicare typically does not cover
• Deductibles and copays not covered
• Most dental care
• Most prescription medicines
• Routine eye care
• Routine hearing exams
• Fitness programs
• Services outside the U.S.
Because we have years of experience in helping Texas physicians make the right Medicare choices, we are familiar with each plan and can help you determine which one would work best for your situation.
We Can Help Because We Know Your Life is Different
As a physician, your situation may be much more complex than many Americans’. This is especially so if you are one of the many physicians in Texas over 60 who are still in active practice. What if you don’t plan to retire at 65? What if you have health coverage through your employer or your spouse? Should you sign up for Medicare anyway? What if you have dependents enrolled under your coverage? What will happen to their coverage if you sign up for Medicare?
Some are also unaware that if you don’t sign up for Medicare at age 65 during the Initial Enrollment Period, there may be financial penalties for waiting until a later time. Will this affect you? If so, how severely?
As a busy physician, it can be draining to explore options so you know exactly what you should do. By enlisting the help of TMA Insurance Trust, we can help you save time and energy.
We Can Help You Make the Right Choices
You can take advantage of our professional consultation and support services at no cost. TMA Insurance Trust’s experienced advisors have been supporting Texas physicians for decades, helping them make their best Medicare Supplement and Part D decisions. Our advisors can answer your questions regarding Medicare enrollment, help decide which supplemental plan will best bridge your coverage gaps - as well as the best prescription drug plan for your situation. This kind of comprehensive research and analysis is rare in the industry today – and it is provided to you at no cost. We care about your future! When you choose TMA Insurance Trust to help you make a health insurance decision, you can be confident and comfortable with your choice.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.
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