San Antonio Medicare choices include the regular Texas Medicare supplement insurance plans as well as various Medicare Advantage choices. Although our family-owned agency is based in the DFW area, both owners were raised in San Antonio and are quite familiar with the city and its plans.
We welcome San Antonio Medicare beneficiaries to work with us by phone and email to determine your Medicare options.
San Antonio Medicare Supplement plans
San Antonio Medicare supplements have premiums that vary based on your age, gender, residential zip code, and whether you use tobacco. Since the Center for Medicare & Medicaid services standardized Medicare supplements in the 1990s, you can shop with confidence. The same basic benefits and insurance plan options are available in San Antonio, as found elsewhere in Texas. This makes it easy to compare plans and find one that will fit your needs and budget.
Medicare Supplement plans, also called Medigap plans, are known for having higher premiums, around $100 or more. The premiums are higher because Medigap plans usually fork out a lot of money so you can have little to no out-of-pocket costs. For example, if you purchase a San Antonio Medigap Plan G, your Part A deductible, Part A copays, Part B coinsurance, and more will be covered for you at 100%. The only thing you will be responsible for each year will be your Part B deductible.
With a Medigap plan, you also have the luxury of being able to see any doctor you wish. As long as they accept Medicare, they will accept your Medigap plan. The doctor will bill Medicare directly. If Medicare approves the claim, it will pay its portion and send the remaining bill to your Medigap plan. Your Medigap plan will then pay according to its guidelines. Anything left over will be billed to you.
Medicare Advantage Plans in San Antonio
There are also quite a few San Antonio Medicare Advantage plan choices. These include Medicare PPO, Medicare HMO, and some Medicare Private-Fee-for-Service (PFFS) insurance alternatives. Being in an urban area, you have many choices for insurance plans with strong provider networks and benefits.
Medicare Advantage plans differ by carrier, so coverage isn’t standardized like it is with Medigap plans. Medicare Advantage plans’ premiums, deductible, copays, coverage, and network all vary from plan to plan. So, it’s essential you review each plan in your San Antonio zip code to find the one that will likely be the most cost-effective for you.
Medicare Advantage plans typically have lower premiums than Medigap plans since you have cost-sharing on the back-end. Some San Antonio Medicare Advantage plans even have $0 premiums. However, you’ll pay copays and coinsurance as you use your plan.
You’ll also have a designated network. However, being in San Antonio, your network will likely include plenty of doctors. If you stray from this network, you may have higher costs-sharing or be responsible for 100% of the bill – it just depends on your plan type.
If you have a San Antonio Medicare Advantage plan, you likely won’t need a Part D plan, as most Medicare Advantage plans include one. However, Medigap plans do not, so you’ll need to add on a Part D plan for drug coverage.
Choosing the right San Antonio Medicare plan
Your choice to work with us in researching your San Antonio Medicare-related insurance plan options allows you to gather information and quotes from one source, instead of calling 20 different carriers for pricing. We will compare the most cost-effective carriers in your area to ensure you are getting the best deal available.