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mychoiceins@yahoo.com
Working Hours
M - F: 8am - 6pm Sat: 9am - 2pm
mychoiceins@yahoo.com
M - F: 8am - 6pm Sat: 9am - 2pm
A+ Senior Insurance Group is an independent contractor with more than 25 years of experience in the whole life insurance industry. We have professional connections that give us access to the best coverage at affordable premiums.
Monday - Friday: 8am - 6pm Saturday: 9am - 2pm
Helping Texas Seniors navigate the complex and often confusing process of selecting and securing quality insurance benefits for over 25 years.
By submitting this information you acknowledge a license insurance agent may contact you by phone, email or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance or Prescription Drug Plans.
We have professional connections that give us access to the best coverage at affordable premiums.
We make the process easier for you by treating you like we would want our family members treated.
A+ Insurance Group is an independent contractor with more than 25 years of experience in the insurance industry.
Either way, we can help! We’ll explain the A, B, C – and D’s of the Medicare alphabet soup in easy to understand language. The ins and outs, the parts and plans – it’s all second nature to us. And you won’t pay a penny for our Medicare advisory services, either.
Traditional Medicare plans pay for much, but not for all, and do not pay the costs for covered healthcare services and supplies. A Medicare Supplement Insurance (Medigap) policy/plan can help pay some remaining part of the healthcare costs, including:
Medicare Part A beneficiaries receive full coverage for hospital expenses that are critical for your inpatient care, including semi-private room, nursing services, meals, medications included in your inpatient treatment, and other related services and supplies from the hospital.
You will automatically get enrolled in Part A Medicare insurance if you turned 65 and receiving social security retirement benefits or railroad retirement board benefits. You will start receiving Medicare Part A benefits from the first day of the month you turned 65. If your birthday is on the first day of the month, your services will begin the month before you turn 65.
Medicare Part B consists of medical insurance that is part of Medicare and covers medical services and supplies. These are medically important in treating your health condition. Part B includes outpatient care, ambulance services, preventive services, and durable medical equipment. It also covers part-time home care and rehabilitative services, including physical therapy.
Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice. Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
If you’re receiving retirement benefits before the age of 65 or qualify Medicare insurance because of a disability at an early age you will automatically be enrolled in Medicare Part A and Part B as soon as you become eligible.
Medicare Advantage, or also known as Medicare Part C, is a bundled Medicare plan offered by private insurance companies. These private companies work with Medicare and make sure they provide full benefits to all beneficiaries.
A regular Medicare Part C covers everything that includes in Part A and Part B and added benefits. Medicare Part A. covers individual patient So, and Medicare Part C also covers the benefits of Part A.
Medicare C enrollment period (IEP) starts from 3 months before a person turns 65. During this period, a person can get enroll in: Medicare Parts A and B, Medicare Part C or Medicare Advantage, and Medicare Part D.
Medicare Part D covers prescription drugs. A stand-alone Medicare prescription drug plan is required to get Medicare Part D coverage. It is also known as the Medicare Advantage prescription drug plan. Medicare-approved private insurance companies offer these plans.
Each plan prescription drug coverage presented under Medicare part D offers a standard level of coverage set by Medicare. Each plan coverage varies according to the list of prescription drugs they cover and how they place drugs into different tiers on their formularies. Following there plans are covered in Medicare part D.
You can only enroll in either of the plans mentioned above to have a Medicare Advantage plan that includes drug coverage and gets enrolled in a Medicare drug plan. In that case, you will automatically get disenrolled from the Medicare advantage plan and reverted to traditional Medicare. You can also choose not to enroll in Medicare Part D prescription when you already have creditable prescription drug coverage as it can be from your employer group plan.
If you choose the right whole life insurance policy, you will spare your family the financial burdens that can accompany someone’s passing. These policies can cover everything from funeral costs to the payment of outstanding medical bills. A+ Insurance Group is an independent contractor with more than 25 years of experience in the senior insurance industry. We have professional connections that give us access to the best coverage at affordable premiums.
Furthermore, each member of our team treats clients with compassion. We understand this topic is not easy to address. We will make the process easier for you by explaining any terms you might not fully comprehend and by treating you like we would want our family members treated.
We help you see the world differently, discover opportunities you may never have imagined and achieve results that bridge what is with what can be.
If you have Medicare and other health insurance or coverage, each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide...
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare drug plan when you’re first eligible...
While costs vary based on individual variables, the average funeral costs thousands of dollars. This is true whether you choose burial or cremation.
Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by ...
When a person passes away, they often leave behind financial obligations their family is now responsible to meet. You can imagine the additional stress these...
Not all senior life insurance policies are created equal ― far from it, in fact. Their terms and coverages differ, making it imperative...
If you have Medicare and other health insurance or coverage, each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide...
Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare drug plan when you’re first eligible...
While costs vary based on individual variables, the average funeral costs thousands of dollars. This is true whether you choose burial or cremation.
Most long-term care is provided at home. Other kinds of long-term care services and supports are provided by ...
When a person passes away, they often leave behind financial obligations their family is now responsible to meet. You can imagine the additional stress these...
Not all senior life insurance policies are created equal ― far from it, in fact. Their terms and coverages differ, making it imperative...
We will also assist you in getting all the information you need about the plans. Contact us to learn more!