Bedford Texas Dual Eligible Medicare Plans

Ashford Insurance offers Medicare Advantage Dual Eligible Plans (Part C of Medicare).

Navigating Medicare & Medicaid in Texas: Dual Plans Explained

Are you covered by both Medicare and Medicaid in Texas? You’re considered “dual eligible,” and that’s where dual special needs plans (D-SNPs) come in. These plans combine the best of both programs, simplifying your healthcare experience.

Benefits of D-SNPs:

• Comprehensive coverage: You keep your existing Medicaid benefits and gain extra features often missing in Original Medicare, like dental, vision, or wellness programs.
• One plan, one bill: Forget juggling separate Medicare and Medicaid bills. D-SNPs offer consolidated coverage with convenient single payments.
• No extra cost: Most D-SNPs come at no additional cost compared to Original Medicare alone.

Understanding Medicare in Texas:

You can access your Medicare benefits through two main options:

• Original Medicare: The government directly pays for covered services when you receive them.
• Medicare Advantage Plans: Privately offered plans (Part C) that manage your Medicare benefits for a monthly fee. There are various types of Advantage Plans, each with unique features and networks.

Choosing the Right Medicare Option:

Consider your needs and preferences when selecting a plan:

• HMOs: Offer lower costs but require network providers and referrals.
• PPOs: Greater flexibility but potentially higher costs for out-of-network care.
• PFFS: Similar to Original Medicare with network-determined payments and patient cost-sharing.
• D-SNPs: Tailored for dual-eligible individuals, often with broader coverage and additional benefits.

Eligibility and Enrollment:

To join a Texas Medicare Advantage plan, you must have both Medicare Parts A and B and reside within the plan’s service area. Most plans require continued payment of your Part B premium and an additional monthly fee. Each plan has unique costs and benefits, so careful comparison is crucial before enrolling.

Remember: Texas Advantage Plans cover everything Original Medicare does (except hospice care) and must offer emergency coverage nationwide. Many plans also provide valuable extras like dental or vision care.

Next Steps:

• Contact your local Medicaid office to discover if you qualify for a D-SNP.
• Compare available Texas Medicare Advantage with an Ashford Insurance Agent.
• Seek assistance from a qualified Medicare counselor if needed.

Remember, plan benefits can change from year to year. Make sure you understand how a plan works before you join.

Ashford Insurance also offers Medicare Part D Prescription Drug and Medigap Plans.