Medicare Supplement Plans
Are you feeling unsure about which Medicare Supplement plan is right for you here in Dallas? Many seniors feel the same way. Medicare can be confusing, and the gaps it leaves behind often create worry. But you don’t have to make this decision alone.
At Wilkerson Insurance Agency, we keep the process simple and stress-free. Since 2010, we have helped thousands of Dallas–Fort Worth residents understand their options and choose a Medicare Supplement plan that fits their needs and budget. Our team guides you with clarity, comfort, and personal support, treating you the same way we would treat our own family.
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Are You Looking for the Best Medicare Supplement Plans in Dallas, TX?
Many seniors find Medicare Supplement insurance confusing, especially when trying to understand what Medicare doesn’t cover, how to compare Medigap plans, and how to choose a plan that fits their budget.
The enrollment rules can also feel overwhelming, making it difficult to know when to apply or switch plans.
At Wilkerson Insurance Agency, we make this process easier. We help you understand the gaps in Medicare, compare plans based on your medical needs, find affordable options that match your budget, and guide you through the enrollment process so you never miss an important deadline.
Our goal is to make Medicare Supplement insurance clear and accessible, allowing you to focus on your health and peace of mind.
Our Vision
Our vision is to give seniors and families in the Dallas–Fort Worth area complete peace of mind by making Medicare Supplement insurance simple and easy to understand. We aim to be the trusted local partner people rely on when choosing the right Medicare coverage for their health and financial protection.
Our Mission
Our mission is to treat every client like family and to truly listen to their individual needs. As an independent brokerage, we carefully compare Medicare Supplement plans from top carriers to help you find the most effective and affordable coverage for your situation. Our commitment is to provide honest guidance and solutions that genuinely support your health and peace of mind.
Professional Team
Our team consists of experienced, licensed agents led by LeRoy Wilkerson. We are dedicated to your best interests, explaining complex insurance policies in simple, clear terms and providing year-round support for all your needs.
Insurance Plans
Health Maintenance Organization (HMO) Plans
These plans typically require you to use in-network doctors and choose a primary care physician (PCP) to coordinate your care.
Preferred Provider Organization (PPO) Plans
These plans offer more flexibility in choosing doctors, allowing some out-of-network care at a higher cost.
Exclusive Provider Organization (EPO) Plans
A plan that only covers care from doctors, specialists, or hospitals in its network (except in an emergency).
Indemnity (Fee-for-Service) Plans
These traditional plans allow you to see any doctor and pay a portion of the fee for each service.
High Deductible Health Plans (HDHP)
Plans with a lower premium but a higher deductible, often paired with a Health Savings Account (HSA).
Point of Service (POS) Plans
A plan that lets you choose between an HMO or a PPO each time you need care.
Types of Medicare Supplement Plans
Medicare Supplement plans are standardized, meaning that Plan A, for example, offers the same benefits in every state. There are different plans (A through N) with varying levels of coverage. These plans help cover:
- Hospital costs: Copayments and coinsurance
- Doctor visits: Copayments and coinsurance
- Medically necessary services: Such as lab tests, X-rays, and surgeries
- Blood transfusions:In most cases
Although the benefits are consistent across insurance companies, the costs and availability may vary.
Plan A:
Covers basic benefits such as hospital and medical costs, including coinsurance for hospital stays and Part B excess charges. It’s a basic plan with fewer benefits compared to others.
Plan B:
Offers everything in Plan A plus coverage for the Part A deductible. This plan provides a bit more financial protection for hospital costs.
Plan C:
Includes coverage for all benefits in Plan B and adds coverage for skilled nursing facility care coinsurance and Part B excess charges. Note: Plan C is not available to new beneficiaries after January 1, 2020.
Plan D:
Provides coverage similar to Plan C but does not cover Part B excess charges. It includes coverage for hospital and medical coinsurance and the Part A deductible.
Plan F:
Known for comprehensive coverage, Plan F includes all benefits covered by Plan D plus coverage for the Part B deductible. It is available to those eligible before January 1, 2020.
Plan G:
Covers all benefits in Plan F except for the Part B deductible. It is a popular choice due to its extensive coverage and lower premium costs compared to Plan F.
Plan K:
Offers partial coverage for some expenses, including 50% coverage for the Part A deductible and coinsurance, and 50% coverage for the Part B coinsurance. It has a maximum out-of-pocket limit.
Plan L:
Similar to Plan K, but with higher coverage levels—75% coverage for the Part A deductible and coinsurance and 75% coverage for the Part B coinsurance. It also includes a maximum out-of-pocket limit.
Plan M:
Provides coverage for the Part A deductible, coinsurance, and some cost-sharing for Part B. However, it does not cover the Part B deductible or excess charges.
Plan N:
Covers most of the gaps in Original Medicare, including the Part A deductible, but requires some cost-sharing for Part B office visits and emergency room visits. It does not include coverage for Part B excess charges.
Important Considerations When Enrolling in a Medicare Supplement Plan
Timing is vital when enrolling in a Medicare Supplement plan. After initially becoming eligible for Medicare, you have a six-month window, known as the Open Enrollment Period, to sign up without medical underwriting. This means you can enroll regardless of your health conditions. Once this period ends, insurers can review your medical history and potentially deny coverage or charge higher premiums.
Another key point is that Medigap plans are guaranteed renewable. This means your insurance company cannot cancel your policy as long as you continue to pay your premiums. However, they can adjust your premium rates for the entire policyholder group.
To avoid any gaps in coverage, it’s essential to coordinate the start date of your Medicare Supplement plan with your Medicare coverage. Ensure there’s no overlap or break in protection to prevent unexpected medical expenses.
What Our Customers Say
Don't Wait Until You're 65 To Plan For Medicare
The ideal time to explore Medicare Supplement (Medigap) plans is before you become eligible for Medicare. If you are approaching age 65, the decisions you make now can benefit you later. However, selecting the right supplemental insurance can be complex. Fortunately, our knowledgeable agents are here to guide you through all the available options.
While everyone aged 65 and older is entitled to basic Medicare coverage, it generally covers only about 64% of annual healthcare costs. The remaining expenses, including deductibles, copayments, and coinsurance, can add up. This is why many opt for Medicare Supplements.
At Wilkerson Insurance Agency, we are dedicated to helping you find the right insurance options in Dallas, TX.
By providing comprehensive information and expert guidance, Wilkerson Insurance Agency can position itself as a trusted advisor for seniors seeking Medicare Supplement coverage.
Frequently Asked Questions
The top 5 plans are Plan F, Plan G, Plan N, Plan A, and Plan K. Each plan offers different levels of coverage and costs.
No, Medicare doesn’t cover everything. It leaves gaps in coverage, such as co-pays and deductibles, that Medicare Supplement insurance helps to fill.
You can apply for a new Medicare Supplement plan during specific enrollment periods or when certain life changes occur. Open Enrollment is the best time to apply for or switch plans.
When comparing plans, consider the coverage, price, and doctor flexibility. We’re here to help you compare all your options and find the best plan for your needs.