TX Medicare Pro

11/04/2024

So why in the hell does Facebook let everyone on the face of this earth post crap on my sight from people I don't know with subjects I don't care about?!

Send a message to learn more

03/13/2023

Medicare hasn't changed and it is still confusing for many people. That is where I come in to help with an unbiased analysis of the ENTIRE marketplace and make recommendations based on YOUR specific needs.

09/01/2021

2021 Annual Enrollment Period will start on October 15, but it does not trigger changing your plan. Unscrupulous insurance companies will tell you there are important new changes to your Medicare coverage. The only changes are the Medicare Part A and Part B deductibles. This NEVER warrants changing your plan. If you like what you have, keep it. Changing usually only benefits the sales person who convinced you to change.

10/30/2020

The Needs Approach to Medicare

The year before I turned 65, I received nearly 40 phone calls and countless mailings from companies marketing Medicare insurance alternatives. All marketing a single company, theirs, implying they were the best solution to my healthcare needs. They didn’t even know, or ask, what my needs were, they just told me they had the solution. Do you see the problem here for consumers, like yourself? How do you find out what is best for you when:

• You do not have a clear picture of what your needs
• You do not have a method of comparing the alternatives
• You don’t even know what to compare

Here is where my approach is markedly different from the “Salesmen” who are trying to get you to buy their product. Before I can provide a solution for your Medicare needs, I need to know:

• How you access your healthcare. Do you go to the hospital frequently and have special medical needs or critical care requirements, or do you avoid doctors and treatment?
• Do you have existing provider relationships that are important to you?
• Do you have income restrictions, or do you have unlimited income that can affect your decision?
• Where you live and how much you travel are important to what you choose.
• The specific medications you take and the pharmacy you buy them from has a dramatic impact on cost. Do you use brand, generics, do pill splitting? Do you know that a 40 Mg tablet cost the same as a 20 Mg tablet?

I take information like that, illustrate EVERY available Medicare alternative in your geographic area (Medicare supplements or Gap Plans, Advantage plans, Prescription Drug Plans (PDPs)), and illustrate each category, graphically representing their benefits and cost, so you can make an intelligent decision on what is best for you. We discuss subjective issues like, carrier renewal histories, service, underwriting, drug formulary changes. I educate you on what Medicare covers and how the different alternatives interact with Medicare.

The outcome from this process provides you with an education on Medicare so you can better understand the alternatives available to you. We address your specific needs and how each alternative meets those needs. And through the process we can find the best, and most cost effective, solution for your healthcare. It’s very simple process that few employ, and I’ve been doing it for 35 years.

Call me at 972-977-4759, or email: [email protected]

Jay A. Huminsky, RHU, REBC

10/06/2020

Welcome to Tx Medicare Pro! I get a lot of visits from people needing professional assistance selecting the best Medicare alternative for them. Almost everyone I talk to is tired of the, seemingly, hundreds of e-mails, mailings, and phone calls they get from sales people trying to sell them the one single product the sales person has to sell. I don't do that.

The correct way to determine the best alternative is to evaluate your risk(s) and needs. The next step is to evaluate EVERY available option in your geographic are, and show you the most cost effective (premium + your out-of-pocket costs) of all the major type of coverage (supplement plans, Advantage plans, MSA's, Cost Plans, PFFS Plans, etc.). Then, and only then, will you know you have the optimal, cost effective solution, for your Medicare needs.

I am licensed with a majority of the companies out there, but if the plan that best suits your needs is not one of them, I will help you enroll directly with that company. My goal is to make sure my clients have what is best for them, not what is best for me. 35 years in the business has taught me that doing the best for others, pays in kind.

Let me show you how easy it is to have what you really need.

10/01/2020

Medicare Solution
At age 64 ½ you’ll start receiving countless mailings for Medicare supplements and fliers and phone calls advertising how their company has been this and that for years. And every year after that you’ll be hounded by Medicare solicitations. You can spend hours, days and weeks pouring over all the rhetoric from 20 different companies marketing Medicare Products in your county. There’s a better way to find out the best alternative for you.
I’ve been in the insurance business for 35 years and applied the same analytical model I’ve used on large corporations to compare every available Medicare plan in your area.
• I compare every available Medicare Advantage plan to every available Medicare Supplement plan.
• I compare PPO plans, HMO plans and Open Access plans.
• I’ll educate you on what Medicare covers and how drugs are covered under Part D.
• I’ll compare all the above to any employer sponsored coverage you may have to answer the question: should I stay, or should I go?
• I’ll help you enroll in Part A and Part B of Medicare.
In the information I get from a three-page form that you complete and return to me, I can cover everything you need to know about Medicare and recommend the best and most cost effective plan for you. All this in less than one hour and you’ll have the peace of mind knowing you have the best and most cost-effective Medicare solution available.
Call or TEXT me: 972-977-4759
E-Mail me: [email protected]

I’m looking forward to helping you!

Sincerely,

Jay A. Huminsky, RHU, REBC