Life Insurance Medical Group Management, LLCMedicare 2026 -2027
Open Enrollment is here!
When is Medicare Open Enrollment
Open Enrollment happens from October 15 – December 7 and is the time each year when you can make changes to your coverage. The changes you make during Open Enrollment are effective January 1 of next year (the plan must get your enrollment request by December 7).
What are Your options during Open Enrollment
- During Open Enrollment what you can do depends on the kind of coverage you have now.
- Change your Medicare Advantage Plan
- Join, drop, or switch to another Medicare Advantage Plan with or without drug coverage (or add or drop drug coverage).
- Change your drug plan
- Join, drop, or switch to another Medicare drug plan if you’re in Original Medicare.
- Change how you get coverage
- Switch from Original Medicare to a Medicare Advantage Plan or from a Medicare Advantage Plan to Original Medicare. ( consult with a licensed Broker or agent )
What else should I know if I switch to Original Medicare?
if you switch to Original Medicare, you may need to join a separate drug plan and may want to add Medicare Supplement Insurance (Medigap). Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare. There are limits on when you can add it.
Life Insurance Medical Group Management, LLCWhere can
I get Help for Enrollment
Who can Qualify for Medicare .
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
- Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).
You Must Contact Your State Medicaid Agency to:
- Apply for Medicaid or CHIP
- See if you’re eligible for Medicaid or CHIP
- Check on a Medicaid or CHIP application
- Get a Medicaid or CHIP replacement card
- Check on Medicaid or CHIP claims
- Find a Medicaid or CHIP health care provider
Choose your state below for the contact information you need to get started.
You may also check the status of your renewal coverage by contacting your State Medicaid Agency.
We are Life Insurance Medical Group Management, LLC located around the corner at 20501 Katy Freeway, Katy Texas 77450.
Real People
Solutions
Take your time ask questions we have medicare advantage plan break downs for you to look at, carrier plans can be easily navigated.
Ruben Guerrero
A Katy Texas State Licensed Broker Address: 20501 Katy Freeway Katy, TX: 77450 Phone 281-676-4347 Office Hours 9:00AM to 6:30 PM
Lets address the elephant in the room.What is Medicaid
- What is Medicaid
- Who is eligable for Texas Medicaid
- Home Incomes for 2024
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Medicaid is a joint federal and state program that helps cover medical costs for some people with limited income and resources. The federal government has general rules that all state Medicaid programs must follow, but each state runs its own program. This means eligibility requirements and benefits can vary from state to state.
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Medicaid offers benefits that Medicare doesn’t normally cover, like nursing home care and personal care services. People with Medicaid usually don’t pay anything for covered medical expenses but may owe a small co-payment for some items or services.
- I am a Beneficiary of social security.
(IEP) initial enrollment period (24 moths*), starting 3 months before you turn 65, and ending 3 months after the month you turn 65, It lasts for 7 months.
- Resident of the state of Texas, a U.S. national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income.
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- Pregnant, or
- Be responsible for a child 18 years of age or younger, or
- Blind, or
- Have a disability or a family member in your household with a disability.
- Be 65 years of age or older.
You must also be one of the following:
.
In order to qualify, you must have an annual household income (before taxes) that is below the following amounts:
- 1 family member annual income of 28,869 (before taxes).
- 2 family members annual income 39,046 (before taxes)
- 3 family members annual income 49,223 (before taxes)
- 4 family members annual income 59,000 (before taxes)
- 5 family members annual income 69,578 (before taxes)
- 6 family members annual income 79,755 (before taxes)
Katy Texas 77450
(Next to Captain Tom Sea Food)
Long Term Care, Final Expense
Cancer Insurance, Andemnity Plan
9 AM to 6 PM
Open Sunday’s
Appointment Only
call us at
281-676-4347