INSURANCE FAQ’s

Frequently Asked Insurance Questions

At Lubbock Senior Insurance, we’re here to answer all your questions and guide you through the process of finding the best insurance options for your needs. If you don’t see your question here, feel free to contact us—we’re always happy to help!

FAQ’S

Get Answers to Your Medicare and Insurance Questions

Is there a cost for your services?

No, we do not charge for our services. At Lubbock Senior Insurance, our goal is to help you find the best insurance options that fit your needs and budget, all at no additional cost to you.

Do I qualify for Medicare if I have a disability?

Yes, Medicare provides coverage for individuals under 65 with qualifying disabilities, such as End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Eligibility is determined by specific criteria set by the Social Security Administration.

How can I enroll for insurance with Lubbock Senior Insurance?

Enrolling with us is simple:

Call us for a free consultation.
Choose the plan that best fits your needs and budget.
Complete the application process with the help of our licensed agents.
Receive your confirmation and policy documents by mail or email.

Do you charge consulting fees for Medicare Supplement plans?

No, we do not charge any consulting fees. Our licensed agents provide expert guidance to help you find the right Medicare Supplement plan without any hidden costs.

Can I enroll in Medicare if I’m under 65 and disabled?

Yes, individuals under 65 with certain disabilities may qualify for Medicare. Our team can guide you through the enrollment process to ensure you get the coverage you need.

How do I know which Medicare Supplement plan is best for me?

The best Medicare Supplement plan depends on your health needs, budget, and preferences. There are 10 standardized Medigap plans available in Texas, each offering different levels of coverage. Our team will help you find the plan that’s right for you.

How do I know if I qualify for long-term disability benefits?

Long-term disability benefits may be available through programs like:

Social Security Disability Insurance (SSDI)
Supplemental Security Income (SSI)
Private disability insurance

Are there additional costs with Medicare Advantage plans?

Yes, Medicare Advantage plans may include costs such as monthly premiums, co-pays, and deductibles. We’ll help you understand these costs and find a plan that fits your budget.

What is Medigap?

Medigap, also known as Medicare Supplement Insurance, helps cover costs not fully covered by Medicare, such as copayments, coinsurance, and deductibles. We’ll help you explore your options and find the best plan for your needs.

Who is eligible for Medigap?

Anyone enrolled in both Medicare Parts A and B is eligible for Medigap coverage.

Who is eligible for Medicare?

Medicare is available to individuals aged 65 and older. You may also qualify if you’re under 65 and have received disability benefits for at least two years or have certain medical conditions, such as ESRD or ALS.

Will I need to change doctors when I start Medicare or Medigap?

Not necessarily. Most doctors accept Medicare, but it’s important to confirm with your physician. We can help you navigate this process to ensure a smooth transition.

I’m turning 65 soon. Can you help me start Medicare?

Absolutely! We offer no-cost personalized consultations to help you understand your Medicare options and get the best coverage tailored to your needs.

What happens if I sign up for Medicare after age 65?

Enrolling in Medicare after age 65 may result in penalties, such as higher premiums. We can help you plan ahead to avoid these issues and secure the best coverage.

I’m under 65 and have a disability. Am I eligible for coverage?

Yes, Medicare is available to individuals under 65 with qualifying disabilities. Eligibility often requires receiving Social Security Disability benefits for at least 24 months or having specific conditions. Contact us for a no-cost, confidential consultation to learn more.

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