We often joke with our clients who are about to turn 65 that the only good news in turning 65 is that they can say goodbye to the “underage healthcare market.” Despite the negative press concerning Medicare and Social Security, Senior clients will be much better off after age 65 as it relates to healthcare. Simply put, Seniors will pay much less and get a whole lot more once they are in the Social Security and Medicare system. Longhorn Insurance offers two key products in the Senior market - Medicare Supplement policies, including Plan D prescription drug plans, and Long Term Care coverage.

Some Good News When examining Plan F among the different carriers, the coverage is absolutely identical. Thus, shopping for Medicare Supplements becomes a search for the best price among a group of over 150 carriers in the state of Texas. Another piece of good news is that owning the most comprehensive coverage that can be bought will generally cost a senior around $140 - $160 per month, which includes their Plan D prescription drug plan. But the best news of all: if a Senior applies during the Open Enrollment Period (6 months before extending until 6 months after turning age 65), he/she qualifies automatically for the coverage, regardless of any pre-existing conditions that may exist. In addition, the coverage costs the same for everyone during this Open Enrollment.

Longhorn helps Seniors explore and understand the market and make informed choices within required timelines. We help you make these Plans and carrier choices while considering the financial strength of a company along with pricing. We find that many Seniors have an incomplete understanding of the choices that need to be made and aren’t sure of the sound criteria needed to make those choices. We will definitely assist you with this process. In fact, we at Longhorn look forward to working with Seniors on these choices more than almost any other product because it’s almost always a fun process. After all, who wouldn’t want to receive considerably more service and pay considerably less for it?

"Big Enough to Make a Difference ... Small Enough to Care."