Are You Paying Too Much For Your Texas Medicare Supplement Policy?
Written by David Hecker


Medicare Supplements Are Standardized by The Federal Government

Medicare supplement policies sold today are standardized by the federal government. The policies are
designated by the letters "A, B, C, D, F, G, K, L, M & N". Each standardized Medigap policy must offer the
same basic benefits no matter which insurance company sells it.  
Cost is usually the only difference
between Medigap policies with the same letter sold by different insurance companies. This makes it easy for
seniors to compare coverages and companies. It is important to find a company that will provide good service
and that is financially stable, while finding the best rate. You should consider not only your current health
situation, but also your possible future health care needs.

Only One Policy is Needed

It is important to remember that you don't need more than one Medicare supplement (medigap) policy. It is
illegal for an insurance company to sell you a second Medicare supplement policy unless to tell them in writing
that you will replace your current policy. It is also very important not to cancel your current policy until the new
one is in place, and you decide to keep it.

Guaranteed Renewable

If you bought your Medicare supplement after 1992, it is "guaranteed renewable" This means that the
insurance company cannot drop your coverage unless you stop paying your premium, you were not truthful
about something on your application, or the insurance company becomes bankrupt or insolvent. A licensed
professional agent that specializes in this area, could be very helpful in finding the right policy for your situation
and budget.

A licensed professional insurance agent that specializes in senior insurance, can help you find the right
coverage for your particular situation and budget.

David Hecker is a Licensed Insurance Agent based in Texas. He specializes in Medicare Products. He is
licensed in Texas, Louisiana and Arkansas. He can be reached at (903) 918-9091 or Toll Free (877)
454-4959. E-mail:
dhecker@tx-medicaresupplement.com or on the web at:
http://www.tx-medicaresupplement.com
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David Hecker * 3010 Latonia St. Longview TX 75605
Licensed in Texas, Louisiana & Arkansas
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Texas Medicare Supplement (Medigap) Specialist, Insurance  Medicare Services, Longview, TX
Texas Medicare Supplement (Medigap) Specialist, Insurance  Medicare Services, Longview, TX