Texas Independent Insurance Broker

Fort Worth, Texas

Texas Medicare Advantage Plans • Medicare Supplement Insurance

"Contracted with a variety of carriers, including those listed below."
Mutual of Omaha
Aetna
United Health Care

There’s a lot to consider when shopping for Medicare coverage. Let us help you!
There is no charge to you for our services.

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Difference between Medicare Advantage and Medicare Supplement Insurance

For a no-obligation comparison of nationally recognized plans, please fill out the contact form.


Medicare Advantage Plans

In Texas, there are many Medicare Advantage Plans that offer Plans with premiums as low as $0.00.

Keep in mind that the zero-dollar premium plans are Network Plans, but don't worry, I will be happy to find you a Plan where your doctor is in Network. I will also check to see if your Prescription Drugs are covered at the best value.

We offer several Medicare Advantage Plans to choose from that cover Fort Worth, Dallas, Denton, Decatur, and all of Texas.

Medicare Advantage Plans are also known as Medicare Part C. A Medicare Advantage Plan is a type of Medicare health insurance, offered by a private company that contracts with Medicare.

Medicare Advantage Plans provide all your Medicare Part A and Part B benefits. CMS (Centers for Medicare & Medicaid Services) requires Medicare Advantage Plans to offer at least the same level of coverage as Medicare Part A and Part B of Original Medicare.

Many Advantage Plans offer added benefits; these often include coverage for routine vision care, hearing aids, routine dental care, prescription drug coverage, and fitness center membership.

If you enroll in a Medicare Advantage Plan, you continue to pay your Medicare Part B premium, and you may pay an additional premium. The insurer determines the Medicare Advantage plan’s premium, which can vary from one Medicare Advantage Plan to another. However, many Medicare Advantage Plans may have premiums as low as $0.

These descriptions of Medicare Supplement Insurance and Medicare Advantage Plans only cover the basics. Please contact us for complete plan benefits and prices. We serve Denton, Fort Worth, Decatur, and all areas of Texas.


Medicare Supplement Insurance

Medicare Supplement Insurance covers out-of-pocket costs not covered by Original Medicare, such as co-payments, coinsurance, and deductibles.

If you enroll in a Medicare Supplement Insurance Plan, you continue to pay your Medicare Part B premium and a premium for the Medicare Supplement Insurance.

With a Medicare Supplement Insurance plan, you keep your Original Medicare benefits and the Medicare Supplement Insurance, supplements, or covers much of your out-of-pocket expenses that Medicare does not cover. You pay the private insurance company a monthly premium for your Medicare Supplement Insurance Policy.

Medicare Supplement Insurance does not cover prescription drug costs. In addition to Medicare Supplement Insurance, you also need to purchase a Medicare Part D - Prescription Drug Plan.

Medicare Supplement Insurance does not require you to go to Network Doctors. If a doctor accepts Medicare (your primary coverage), they will often accept your Medicare Supplement Insurance. We are happy to show you how to check this online.

Both Medicare Supplement Insurance and Medicare Advantage policies only cover one person.

These descriptions of Medicare Supplements and Medicare Advantage Plans only cover the basics. Please contact us for complete plan benefits and prices. We serve Denton, Fort Worth, Decatur and all areas of Texas.


Which Medicare Insurance Plan Is Best For Me?

Consider This:

There are two types of Medicare plans. Medicare Supplement Insurance and Medicare Advantage Plans. They are not the same and work differently. Keep in mind that if you are in good health today, it is tempting to buy the cheapest plan. However, it may be best to choose a healthcare plan that will give you the type of healthcare you would want should you encounter severe illness or injury. The questions below are some that should be considered as you filter down to which kind of plan and company might be best suited to you:

Peace of mind: Are you a person who prefers a lower premium and pay for services as you go? If so, you might be the right candidate for a Medicare Advantage plan.

However, if you tend to worry about unexpected expenses, Medicare Supplement Insurance may give you peace of mind of knowing what your medical spending will be regardless of your health.

Risk tolerance: Medicare Advantage Plans have lower premiums than Medicare Supplement Insurance and are pay-as-you-go plans. They do have a built-in financial safety net. The plan’s annual out-of-pocket maximum is your safety net that ensures you’ll never pay more than a certain amount out-of-pocket in a given plan year for covered medical services. If you meet that limit, your Advantage Plan will pay 100% of all covered health costs for the rest of the plan year. Be sure to understand the Annual Out-Of-Pocket Maximum on the plan you are considering and how it would affect you if you had a catastrophic health event.

Frequent traveler or have two or more homes: You may find Original Medicare with Medicare Supplement Insurance to be a good fit. You can use it for any doctor or hospital in the nation that accepts Medicare.

Medicare Advantage Plan: The use of network health care and pharmacy providers is typically required. Are your Primary Care Doctor and Specialists in-network? However, in an emergency, you can use any provider with a Medicare Advantage Plan.

The questions above are just a few of the areas to consider when choosing Medicare Insurance. I look forward to helping you with this important decision.

Which Insurance Company should I choose? You may want to consider a Medicare insurance company that has been in this market for at least ten years. These companies are committed to this industry and appear to be in it for the long term. Over the years, I have seen Medicare insurance companies come and go. Another critical area to consider is rate stability. Please feel free to call me, and I would be happy to supply you with information on the insurance companies.


1 in 3 People Eligible for Medicare chooses a Medicare Advantage Plan. Let us help you find the Plan that's right for you.
There is no charge to you for our services.

Compare plans online now!

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Turning 65... When to sign up for Medicare

If you are within three months of age 65 or older and not ready to start your monthly Social Security benefits yet, you can go to https://ssa.gov to sign up for Medicare.

If you already get benefits from Social Security, you'll get Medicare Part A and Part B automatically when you're first eligible and don't need to sign up. Medicare will send you a "Welcome to Medicare" packet 3 months before you turn 65. You'll still have other important deadlines and actions to take, so be sure to read all the materials in the packet.

When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you're eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65
  • If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage.

If you sign up for Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) during the first 3 months of your Initial Enrollment Period, your coverage starts the first day of the month you turn 65. If your birthday is on the first day of the month, your coverage starts the first day of the prior month.

For more information on Medicare go to https://www.medicare.gov/


Let us help you find the Plan that's right for you!

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Virtual Appointments & Enrollment

Choose a Medicare Plan with your mouse.

"I want a Medicare plan, you see.
But I do not want to go to their agency.
I do not want them in my home for tea.
I want to choose a Medicare plan in my house.
I want to do it with my mouse."

I can help you with this!

George W. Kiger Independent Insurance Broker - Medicare Advantage & Medicare Supplement Insurance

George W. Kiger
Independent Insurance Broker
Medicare Advantage & Medicare Supplement Insurance
Justin, Texas
940-231-5271
gwk3@yahoo.com

I'm George W. Kiger, located in Justin, Texas, and an Independent Insurance Broker. I represent all the nationally recognized insurance carriers in Denton, Dallas, Fort Worth, Decatur, and all of Texas. There is no cost to you for my services, and I can review your current plan at any time of the year.

How Virtual Appointments & Enrollment Work

  • You will need an email address, computer, and telephone.
  • Call me at 940-231-5271 or email gwk3@yahoo.com
  • I will ask you a few questions on your specific wants and needs.
  • If you would like me to find a plan that has the best prescription drug pricing for you, provide me a list of those drugs.
  • Provide me a list of your doctors and their zip code (I will check their networks for you).
  • I will then research the plans in your area and provide you with a side-by-side comparison.
  • We will set up a time for a telephone appointment where I will explain the results of my research.
  • I will email you information on Medicare and selecting a plan
  • I will send you side-by-side compassion for the different plans in your area.
  • You can take your time looking them over and call me with your questions.
  • When you are ready, there will be a link to a secure website of the Insurance carrier, and you complete the application using your computer.
  • By using the link I send you to enroll, I will be available to answer future questions you have as longs as you have the policy.
  • After enrollment, the Insurance Carrier will send you a confirmation email.