It will take time and concentration to completely understand your options.
In their attempt to provide full disclosure and make it easier to understand, Medicare provides more material than is required.
There are 4 steps you must take when you are 64. These 4 steps are not the easiest you have ever taken. However, they will help you get the insurance products that are right for you.
STEP 1 – Research Medicare
The first thing that you will need to do is understand Medicare parts A, B, C and D. Click the icon to the left to review the manual you receive each year, “Medicare and You.” It should provide you with the information you need.
If you are still confused, Medicare has a web site, WWW.MEDICARE.GOV in which you should be able to find the answers to your questions.
STEP 2 – Research Medigap
Medigap is also called Medicare Supplement. Medigap plans pay the portion of your medical bills that is not paid for by traditional Medicare. Click the graphic to your left to read the 2012 version of CHOOSING A MEDIGAP.
STEP 3 – Research What Is Available
Although Medigap plans are standardized by the Centers for Medicare and Medicaid Services, CMS, each insurance company offers different plans.
The Insurance Barn operates in Texas, Indiana, Michigan and Tennessee. We offer different plans in the different states. Below is a list of insurance companies that we use.
- AARP/United HealthCare
- Blue Cross Blue Shield of Texas
- Gerber Life Insurance Co.
- Sentinel Security Life Insurance Co.
- Forethought Life Insurance Co.
- United of Omaha
- AARP/United HealthCare
- Anthem Blue Cross Blue Shield
Each company can make changes to what they offer. In order to make certain that our clients have the most current information from which to shop, we ask that they contact our offices to get them the most current plans and rates. If the company you are interested in is not listed, let us know what you want. If it is possible, we will get it to you.
Once you have determined what company you want to use, complete the form below to contact The Insurance Barn. Let us know what state you are in. If we can obtain the information for that state we will send it to you.
STEP 4 – Contact The Insurance Barn
The Insurance Barn operates a little differently than many insurance agencies. We do not recommend one Medigap plan over another. We feel that since you are the one who has to pay the premium, you need to make your own, informed decision.
We can answer your questions and make recommendations. Ultimately, you are responsible to tell us which plan you have elected. Once you tell us which plan you want, we will help you with the paper work required by the insurance company you have elected.
Call The Insurance Barn at (832) 767-8059 or use the form below to contact us.