Congratulations on reaching an important milestone: Medicare eligibility! And congratulations on taking the first step in making sure you are taking care of your important healthcare needs. While there are a lot of details about Medicare available on this site and others, our job at Countrysmart | Insurance Brokerage is to make the transition and the job of navigating Medicare easy.

One of the important decisions when you join Medicare is what type of health insurance beyond Original Medicare you will need. Nearly everyone elects to get some sort of private insurance to supplement or administer their Medicare, because Original Medicare, although good insurance alone, it may not meet your need to cover costs of extensive healthcare services.

If you will be needing insurance when you begin Medicare simply give us a call at (936) 622-6030 and we'll be happy to discuss your options with you.

Medicare Insurance Options

There are (3) Three broad types of Medicare insurance available: Medicare Advantage plans, Medigap plans and Prescription Drug plans.

Medicare Advantage plans: generally have lower premiums and often cover prescription drugs for a no or low monthly premium. If you had health insurance before you began Medicare, Medicare Advantage plans will seem familiar. With Medicare Advantage plans, you will likely incur some co-pays when you use services.

Medicare Supplement also known as Medigap plans: With Medigap plans, you pay a much larger premium, but in most cases you pay nothing when you use healthcare services. As of 2003 Medigap plans can no longer include drug coverage, so if you want Prescription Drug coverage you habe to choose one of those plans.

Standalone Prescription Drug Plan (PDP) or Part D: simply put a Standalone Prescription Drug Plan is used to cover your prescription medications. That is the ONLY thing this plan will do.

To look at the choices that would be right for you, please Contact Us
to go over different options that would fit your needs.