In The state of Texas is it legal to have 2 supplimental insurance in addition t!
Question: I don't want to go to HMO's or PPO's for coverage. With 2 supplemental coverage I can efford to go to the the best doctors and hospitals and when I have an HMO or PPO I feel like I'm in a kennel or cow pen and the Doctors don't communicate well with the people they treat very well unless you know exactly what the questions are. They simply don't go into any details of any condition one may have. They are in a hurry to get you out to go onto another person.
Answers:
Since insurance is regulated on a per state basis, I would check you Insurance Commissioners website.
Medicare Supplemental plans are regulated at the federal level so the plans are pretty much the same. The main difference is really the premium that each insurance company can offer. Supplemental plans will pay for what Medicare does not pay for so you should really only need one and that's it. The supplemental insurance will pay for the deductibles and the 20% of all your dr visits that medicare does not cover.
If you go to the dr often, I would check out Plan F with Bankers Life & Casualty. If you're pretty healthy, look into Plan J which is cheaper and it covers an annual physical. If you're on one of these two plans, you really should just have one Medicare Supplement plan
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