Welcome to ALL THINGS INSURANCE BENEFITS
Call us at 832-699-2245 Monday – Thursday 8 am – 8 pm,
Friday 8 am – 6 pm. and weekends by appointment only.
Call us at 832-699-2245 Monday – Thursday 8 am – 8 pm,
Friday 8 am – 6 pm. and weekends by appointment only.
ALL THINGS INSURANCE BENEFITS is committed to helping Medicare beneficiaries understand their healthcare choices with compassion, integrity, and professional expertise. While looking through the 1,000+ Medicare plan combinations, you may feel overwhelmed with information. It can even be hard to understand which Medicare plans are available. Rather than throw your hands in the air, call us to discuss your options.
With so many Medicare plan options and millions of eligible individuals, it is important to have a Medicare broker whom you can meet with in person or via telephone and/or your computer to help you through the process of choosing the right plan.
ALL THINGS INSURANCE BENEFITS provide employer’s Medicare-eligible employees with transitioning to Medicare by offering free “no-obligation” consultations in a one-on-one or group setting. Employers are saving big when they come to us. Plans are completely customizable and tailored to you. Our goal is to SAVE you and your employees money! The best way to attract and retain talent is by offering the benefits they deserve.
Once enrolled in a Medicare plan through us, we will be your broker as you continue on Medicare throughout the years. We are a resource for any Medicare questions you may have and every year during Open Enrollment (beginning October 15th thru December 7th) you will receive a comprehensive review of your coverage. Prescription drug and Medicare Advantage plans change annually, as do the medications you’re prescribed and the doctors you see, so it is important to review your plan and ensure your needs are met at the most affordable cost.
A Medicare insurance broker is an independent agent. They provide unbiased opinions of the insurance plans available to you. They are compensated by the plan which you enroll in and there is little to no difference in the commission they receive from the various insurance companies. Each broker must take annual certification tests with each carrier they represent and the American Health Insurance Plans (AHIP) certification. Medicare brokers do not work for the federal government and are not endorsed by Medicare.
We work exclusively in Texas; We can help you no matter which part of the states you live in. There is never a charge to meet with us!
Contact Us Today! We look forward to helping you with this important decision.
Medicare Plans Change All The Time, A FREE REVIEW and You’ll Be Fine!
CALL FOR YOUR FREE NO-OBLIGATION REVIEW TODAY!
A stand-alone drug plan that adds prescription drug coverage to Original Medicare, some Medicare Cost plans, some Medicare Private-Fee-for-Service plans and Medicare Medical Savings Account plans. Medicare Advantage plans (Part C) and Medicare Cost plans
A Medicare Advantage plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. In most HMOs, you can only get your care from doctors or hospitals in the plan’s network(except in emergencies).
A Medicare Advantage plan that provides all Original Medicare Part A and Part B health coverage and sometimes covers Part D prescription drug coverage. PPOs have network doctors and hospitals but you can also us out-of-network providers, usually at a higher cost.
A Medicare Advantage plan in which you may go to any Medicare-approved doctor, hospital and provider that accepts the plan’s payment, terms and conditions and agrees to treat you – not all providers will. If you join a PFFS plan that has a network, you can see any of the network providers who have agreed to always treat plan members. You will usually pay more to see out-of-network providers.
A Medicare Advantage plan that has a benefit package designed for people with special health care needs. Examples of the specific groups served include people who have both Medicare and Medicaid, people who reside in a nursing home and people who have certain chronic medical conditions.
A type of Medicare Advantage plan available in a local or regional area which combines the best feature of an HMO with an out-of-network benefit. Like the HMO, members are required to designate an in-network physician to be the primary health care provider. You can use doctors, hospitals, and providers outside of the network for an additional cost.
A Medicare Advantage plan that has a benefit package designed for people with special health care needs. Examples of the specific groups served include people who have both Medicare and Medicaid, people who reside in a nursing home and people who have certain chronic medical conditions.
MSA plans combine a high deductible health plan with a bank account. The plan deposits money from Medicare into the account. You can use it to pay your medical expenses until your deductible is met.
In a Medicare Cost plan, you can go to providers both in and out of network. If you get services outside of the plan’s network, your Medicare-covered services will be paid for under Original Medicare, but you will be responsible for Medicare coinsurance and deductibles.
An MMP is a private health plan designed to provide integrated and coordinated Medicare and Medicaid benefits for dual eligible Medicare beneficiaries.
Plans offering a supplemental policy to fill “gaps” in Original Medicare coverage. A Medigap policy typically pays some or all of the deductible and coinsurance amounts applicable to Medicare-covered services, and sometimes covers items and services that are not covered by Medicare, such as care outside of the country. These plans are not affiliated or connected to Medicare.
Plans offering additional benefits; payable to consumers based upon their medical utilization; sometimes used to defray copays/coinsurance. These plans are not affiliated or connected to Medicare.
knowing what they mean can help you get the most from your plan benefits.
Plans offering additional benefits for consumers who are looking to cover needs for dental, vision or hearing. These plans are not affiliated or connected to Medicare.
What you pay for covered medical services or prescription drugs. It’s usually a set amount, instead of a percentage (for example, $20).
What you pay for covered medical services or prescription drugs after you pay your deductible. It’s usually a percentage (for example, 20%).
What you pay for covered medical services or prescription drugs before your plan starts to pay.
What you pay for covered medical services or prescription drugs. It can include your copayment, coinsurance and deductible.
A pharmacy that has a contract with your plan. Your plan may only cover your prescription drug if you fill it at a network pharmacy.
The most you pay during your plan’s policy period (usually a year) for covered medical services. Once you reach your MOOP, your plan pays 100 percent of covered medical services. Your premium doesn’t count toward your MOOP.
What you pay each month to your plan for medical or prescription drug coverage.
A health care provider (for example, a doctor, hospital or facility) that has a contract with your plan.
What both you and your plan pay for a covered prescription drug.
Requires you or your doctor to get approval from your plan before it covers a medical service or prescription drug.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.