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Tuesday, 8 January 2019
Things You Need to Know About Medigap Plans
Topic: Business
On average, Original Medicare covers only about half of the healthcare expenses. Almost every medical beneficiary who enrolled in the Original Medicare in Texas buys additional Medigap plans in Texas to fill the gaps in Original Medicare coverage.

So what is included in Medigap plans ( harringroup/medicare-supplements ), what are different types of Medigap plans, and how to enroll in a Medigap plan? Today we will find out answers to these key questions.

What is included in a Medigap plan?

Purpose of the Medigap plan is to fill the gaps of Original Medicare which pays for many of your healthcare services and supplies, but not for everything. You can also say that Original Medicare is incomplete without an additional Medicare supplement plans or Medigap plans in Texas.

Medigap plans include the following benefits:

•  Medicare Part A copayments and deductible

•  Medicare Part B copayments and deductibles

•  Hospital costs and medical costs that Original Medicare does not include such as skilled nursing facility, emergency overseas travel coverage, and part B excess charges.

However, Medigap plan is extra health insurance. It cannot be used in place of Original Medicare. For part A and Part B health coverage, you have to enroll in Original Medicare. Medigap plans also do not provide Medicare Prescription Drug (Part D) coverage. If you want to avail Part D coverage, you have to enroll in a stand-alone Part D Plan. Also, if you travel outside the U.S. Medigap policies, it does not cover dental, vision, hearing, and long-term care.

What are the different types of Medigap plans?

Currently, there are ten standardized Medigap plans, each represented by a letter (A, B, C, D, F, G, K, L, M, N) and offers a different level of coverage.

Benefits of each standard category of the Medigap plan remains the same, no matter from which insurance company you have bought a plan. But prices may vary from company to company for the same category of Medigap plan. Plans E, H, I and J are not available for new users. However, the rest of the Medigap plans are available in most states.

How to apply for Medigap plans?

To buy a Medigap plan, you must have enrolled in Original Medicare. Medicare beneficiaries who are receiving Medicare benefits through Medicare Advantage plans cannot buy Medigap policies. It is illegal to sell a Medigap policy to a medical beneficiary who has enrolled in a Medicare Advantage plan ( https://www.harringroup.com/ ). Therefore, you can buy Medigap plans in Texas from your private insurance company only if you have Original Medicare.

If you want to sign up for Medicare supplement insurance plan, the best time to enroll is during your six months open enrollment period that is six months from the first day of the month of your 65th birthday or within six months of signing up for Medicare Part B.

So this was a brief introduction to Medigap plans. If you want to know more about Medigap plans in Texas, you can contact private insurance companies in your area.

Posted by brucem231 at 7:09 AM EST
Cadmium Plating and its Advantages
Topic: Business
Prepared with an extremely robust, malleable, and bendable characteristic, deployment of cadmium plating ( sun-glo/cadmium-plating ) has been ever increasing in huge industries such as aviation, defense, automotive, electronics, electrical and more. A number of off-shore engineering projects nowadays look for cad plating objects to attain lasting outcome in adverse salt-water surroundings. Industries that produce cad plating, as well as its users, are obligated to follow all precautionary measures as per federal rules owing to its noxious effect on nature mother.

Cadmium plating is predominantly applied for plating objects made of steel, cast iron or aluminum to gain resistive coat to corrosion for metal substrates used in alkaline, salty and its equivalent environmental settings. Cadmium, a zinc by-product and a great alternative of gold plating are globally distinguished for its ‘sacrificial coating’ feature that enables it to protect its underlying metal even being rusted or decayed.

Cadmium Plating - Process

Typically, industries follow electro-deposition procedure for cad plating on metal substrates through an electrolyte solution based containing cadmium salt in barrels, vat, or other means. Amidst all possibilities of plating solutions, alkaline cyanide has received due recognition with its reliability to add the desired features to things that are coated. On the passing of electric change via the solution, cadmium from anode end travels and starts depositing on target metal at the cathode part. For plating of high volume small components like bolts, clips, washers, springs, fasteners, chiefly vat plating is carried out by plating companies.

Cadmium Plating - Benefits

Superior Corrosion Resistance

Right from aerospace to defense, off-shore to shipping and automotive to electronics, almost all major industries look for cadmium plating services for products and metal parts that sit in extreme environmental atmosphere. Given that the spares like nut, bolts, clamps, or fasteners keep hold of the major framework, more and more industries prefer using cad plated tools for its brilliant anti-corrosive feature.

Adhesive Feature

Needless to say, adhesiveness of metal substrates often appears critical in developing an airplane, structural engineering products, automotive and other industries. Innate adhesive quality of cad plating has been proven to be dependable, steady and enduring that makes it popular to industrial users.

Natural Lubricity

Natural lubricity feature of cadmium plated objects are proven to be effective to deal with frictional galling possibilities, commonly occur in moving parts of machinery. As those metal surfaces are plated with cadmium, their lubricity facet discards the possibility of friction that prevents work speed and thus uplifts productivity.

Great Visual

The lustrous appearance of cad plating resembles gold plating or silver plating ( https://www.sun-glo.com/blog/ ). In various industrial applications where aesthetic of product is in demand, cad plated materials are often demanded. It can also offer color options such as green, black, and olive.

Other plus points

  Lower electrical resistance

  Superior solderability

  Excellent conductivity

  Performs great as a paint base

  Resistive to bacteria

  Boast high-class galvanic compatibility as used with aluminum

Major Applications

Aerospace: used as a galvanic bonder for steel and aluminum parts of airframes/ flight crucial parts to protect them from corrosion and bonding benefit;

Electronics: relays, chassis, relays and other elements;

Transportation: hose radiator fittings, door latches, and braking components;

Marine: components used for products sit in salt water atmosphere;

Consumer: Home construction products and hardware;

Posted by brucem231 at 12:26 AM EST
Monday, 7 January 2019
A Complete Guide on Hardcoat Anodizing
Topic: Business
The hardcoat anodizing company specifically uses this process to treat aluminum components that are subjected to heavy-duty wear and tear. Hardcoat anodizing provides smoother and harder finish than standard anodizing ( sun-glo.com/anodizing ). It converts the aluminum part's surface into decorative, extremely durable, and highly corrosion resistant finish.

How does hardcoat anodizing work?

Hardcoat anodizing is a highly controlled oxidation process. In this process, the aluminum part is immersed into a sulphuric acid bath at 32°F, and an electric current is passed through the bath. A cathode is mounted inside the anodizing tank and aluminum acts as an anode. Oxygen ions are released from an electrolyte solution to combine with aluminum atoms to form a layer of aluminum oxide on a surface of the part being anodized. The amount of time aluminum part has been submerged determines the thickness of a coating. This process creates a uniform oxide layer on the surface of the aluminum part.

Advantages of hardcoat anodizing

Hardcoat anodizing has made aluminum one of the most respected and widely used materials in the metal industry. It offers a vast range of advantages. Let’s have a look at a few of them.

Corrosion resistance

Hardcoat anodizing forms highly corrosion resistant finish which protects aluminum part underneath it from weather and moisture. It forms a thick oxide film across the entire surface of the workpiece. Because of its high surface hardness and excellent corrosion resistance, a hardcoat anodizing company uses this process for aluminum parts to be used in marine environments, corrosive atmospheric conditions and harsh environment of space.

Highly durable

Hardcoat anodizing provides an extremely durable surface. As oxide film is fully integrated with the underlying aluminum substrate, resulting surface is highly resistant to peeling, flaking and chipping. Hardcoat anodized aluminum surfaces are very hard and highly resistant to wear and tear and do not peel off easily. Hardcoat anodized aluminum is ten times more wear resistant than ordinary anodized aluminum.

High-quality finishing

Hardcoat anodizing forms a porous layer of aluminum oxide that allows secondary processes such as coloring and sealing. It provides high-quality finishing to aluminum parts. Aluminum parts can be dyed to any desired color.

Maintenance free

Type III anodized aluminum parts are almost maintenance free and easy to clean. Once aluminum components are anodized by a hardcoat anodizing company, there is no huge maintenance and repair required as in the case of other metal finishing processes.

Improve lubricity

Hardcoat anodizing improves the lubrication of aluminum parts significantly. It increases abrasion resistance and provides surfaces that have a high degree of lubricity. This property of hardcoat anodizing makes it ideal for coating of aluminum components ( https://www.sun-glo.com/blog/ ) to be used in industrial machinery.

Cost-effective

Last but not least, hardcoat anodizing is cost-effective coating process. Aluminum oxide is not applied to the aluminum parts like paint or plating, so less equipment and labor required.

If you are also looking for protective finishing of aluminum components, there is nothing that can match hardcoat anodizing, and more importantly, these days hiring a hardcoat anodizing company is not so expensive as well.

Posted by brucem231 at 3:43 AM EST
Monday, 10 December 2018
Know the Difference Between the Medical Supplement Plan and the Medicare Advantage Plans in Texas
Topic: Business
The Medicare supplement plans are also knows as the Medigap plan, and this is also offered by a private insurance company ( www.harringroup/medicare-advantage-plans ). It offers health coverage that the traditional medical plan does not offer. This includes the deductibles, copayments, and premiums. The medical supplement plan pays for the expenses that the traditional Medicare plan does not pay for.

The private insurance companies sell you the Medicare supplement plans as well as the Medicare Advantage Plans In Texas. But you will not be allowed to buy both of them. Here are a few factors that should be considered to decide which plan is the most suited for you.

•  The Medigap plan charges a higher premium amount, but the out of the pocket expenses are lower than the Medicare Advantage Plans In Texas. The Medicare Advantage plans cost less and offer you higher benefits, so it is best for those who want a plan within their budget.

•  The choice of the network hospitals and doctors are limited in the Medicare Advantage In Texas. The plan may not cover doctors who fall within the policy network.

•  The Medicare Advantage Plans In Texas would let you avail the benefits within a particular region only. If you keep moving places, then the Medicare supplement plans are a better choice.

•  It is important that before you choose a plan, you consider your healthcare needs as well as the cost involved in buying the plan. It is also important that you understand the benefits that each plan offers. When buying the Medicare Advantage Plans In Texas, you need to pay towards the Part B premium. When choosing the Medigap policy, the premium could differ between the various plans that are offered.

The factors that you should pay close attention to are:

•  Out of the pocket expenses

•  Cost of prescription drugs

•  Hospital and doctor network and restrictions

•  Hospital service costs

•  Premium payable monthly

•  Deductibles

Can you buy both the Medicare supplement plan and the Medicare Advantage Plans In Texas?

You cannot buy both the schemes together. This is because the Medigap plan does not let you pay towards the co-payments, premiums and the deductibles from part C which is the Medicare Advantage.

If you wish to enroll for the Advantage Plans In Texas, then you will have to cancel your Medigap plan. You can, however, buy the Medigap policy again in case you surrender the Advantage plan when still in the trial period which in most cases is a year.

Once you have purchased the traditional Medicare plan, you will first need to decide whether you would need additional coverage. If the answer is yes, then you need to choose between the policies ( https://www.harringroup.com/ ). The cost and the benefits that each policy offers are different so understand what is best suited for your needs.

Posted by brucem231 at 3:23 AM EST
Thursday, 6 December 2018
Cadmium Plating and Its Benefits
Topic: Business
Cadmium which is a by-product of zinc and the only metal used as a unique replacement of gold often refers to a ‘sacrificial shield’ for protecting objects from being corroded even in the most adverse environmental condition ( www.sun-glo/cadmium-plating ). Cadmium coating can be applied on a number of metal items such as steel, cast iron, aluminum, and brass to make them consistently resistive to rusting used in marine, alkaline, and various outdoor settings. Because of its noxious effect on the environment, enterprises that use them as well as plating companies are obligated to stick to all defensive measures while using them, as stated in federal guidelines.

Industries, where cadmium plating has high demand, include automobile, electrical, mining, electronic, aerospace, offshore, and engineering. Automotive, engineering, and electrical are some of the largest users of cad plating items for finishing component such as nuts, bolts, connectors, fasteners, chassis, structural elements and more.

Cadmium Plating - Process

The simple method of Cad plating involves common electro-deposition procedure which is done through an electrolyte solution containing cadmium salt in barrel, rack and other settings. In the process, cadmium from the anode travels and get infused on metal objects placed at the cathode end, as the electrical charge is passed through the solution. Specialized cad plating houses mostly prefer using alkaline cyanide procedure as a consistent plating solution to add all needed features to objects. For small parts like bolts, screws, nuts, washers, springs, clips or fasteners of high volume, vat plating is most ideal, steady, and cost-effective.

Advantages of Cadmium Plating

Corrosion Resistance

Industries ranging from aviation to offshore and defense to engineering used to work in extremely unfavorable environmental settings that makes it crucial to defend elements like nuts, bolts, screws, clamps, fasteners, etc. used in wide-ranging applications from getting oxidized and corroded. With its brilliant protective property cad plating keeps objects unharmed from all kinds of wear and tear while sustaining the entire fatigue on it as a sacrificial barrier.

Adhesion Quality

Adhesiveness of substrates is often stood as a parameter for choosing substances used in the manufacturing of delicate part of aircraft, products used in aviation, engineering, structural frameworks. Whereas the integrity of bonding is essential, with a great adhesive feature of cad plating makes it high demanding to industries.

Defensive to Bacteria

Defending various metal elements that sit in the humid, sticky environment or under the sea from possible growth or bacteria and mold is a vital criterion for related industrial applications. Once objects are coated with cadmium, they become protected to all mold and bacterial invades that can collapse the strength of mechanisms and harm the project.

Natural Lubricity

Being gifted with natural lubricity feature, cadmium plated things facilitate moving parts of machinery to work without having friction that not only harms machine parts but also speed of production to a great extent. Once plated with cadmium ( https://www.sun-glo.com/blog/ ), being on the substrate cad eliminates the chance of galling and roughness between moving elements.

Brilliant Aesthetic

The sheen of cad plating is highly acclaimed to industrial users whereas aesthetic of objects is a key concern. Its luster is identical to gold and silver that makes it popular to decorative, electrical, illumination and other applications. It offers color options such as black, olive, green, and whitish gold-like.

Other Features

Incomparable conductivity;

High-class solderability;

Galvanic compatibility as used with aluminum;

Unique as a paint base;

Low electrical resistance;

Posted by brucem231 at 2:16 AM EST
A Complete Guide on Zinc Electroplating Process
Topic: Business
What is zinc electroplating and how zinc plating process works? These are a few common questions asked by the manufacturers. Today we will find answers to these frequently asked questions.

What is zinc electroplating?

Zinc electroplating is the process of depositing the layer of zinc on the surface of the metal substrate to protect it against the corrosion ( www.sun-glo/zinc-electroplating ). Zinc plating is used as the protective coating of metal parts such as nuts, bolts, machinery parts, automotive parts, and various other metal items.

How does zinc electroplating process work?

Zinc electroplating is a little complex process than other types of electroplating and requires a high level of expertise. Below is the step by step guide on how zinc plating works:

1.  Cleaning the Metal Substrate

First of all metal substrate is cleaned using an alkaline detergent. It is necessary to clean the metal substrate because any contaminants present on the surface will prevent the zinc coating from properly adhering to the surface of the metal. To clean the metal substrate; it is soaked in the alkaline bath for five to ten minutes at about 150°F. This removes the soil and dirt from the surface of the metal substrate and cleans it thoroughly.

2.  Pickling of the Substrate

It is also the part of preparing the metal substrate. In this process, a substrate is submerged into the acid solution to remove the oxide and scale which formed during the machining process. This process is also called activation of the substrate. The type of acid, dipping time and temperature of the bath will depend on the type of metal and thickness of the scale.

3.  Preparing the Plating Solution

After preparing the metal substrate, it is required to immerse into the specialized electrolyte solution. This electrolyte solution contains the zinc metal ions and various other chemicals that facilitate the process. The plating bath is of two types- Acid zinc bath and Alkaline zinc bath. Preparing the proper plating solution help produce the desired chemical and physical properties of the metal plating.

4.  Electroplating Zinc

After immersing the metal substrate into the plating bath, a DC current is passed through the solution. Metal substrate acts as cathode and zinc metal ions get deposited on the metal substrate with the help of electric current. Depending on the size and shape of the metal part ( https://www.sun-glo.com/blog/ ), zinc metal ions can be plated either using Rack plating or Barrel plating. Rack plating is used for larger metal parts, and Barrel plating is used for smaller metal parts

5.  Post-treatment Procedure

It includes rinsing the treated metal substrate with water and drying it. This removes the remaining contaminants from the surface of the metal substrate.

So, this was the complete guide on zinc electroplating process.

Posted by brucem231 at 2:12 AM EST
Friday, 2 November 2018
Liquid Painting- What it is, How it Works and What are its Advantages and Disadvantages?
Topic: Business
That’s why manufacturers often get confused whether to invest in liquid painting service or powder coating services. There is no distinct answer to this. In some situation, wet paint easily beats powder coating ( sun-glo/liquid-painting-service ) and a far better option whereas in some situations nothing can match the powder coating.

So we are not going into the debate of which one is best instead of that today we will discuss the three things you should know about liquid painting.

1.  What is liquid painting and how it is applied?

Liquid painting or wet paint is a process of application of the layer of paint on the metal substrate using a spray gun. Paint is sprayed on the surface of the metal with high pressure.

Surface to be painted is first thoroughly cleaned and prepared for receiving the paint. Preparation of surface involves filling, sanding, and removal of existing layer of the paint. After cleaning and preparing the surface, wet paint is blasted on the surface of the workpiece. It forms a uniform layer of the paint on the surface of the substrate and left to dry. The thickness of the paint coating is approximately 15-20 micrometers.

2. What are the advantages of liquid painting?

Before you hire a liquid painting service, you should know what advantages wet paint offers.

•  It increases the corrosion resistance of metal substrate and protects metal parts against extreme weather conditions. It forms a uniform layer on the substrate which provides better protection to metal substrate against corrosion.

•  It can be used for a vast range of materials. Ferrous and nonferrous metals both can be coated uniformly. It is also a preferred choice for the coating of the materials that cannot be heated. Also, it is an economical method of metal finishing.

•  It forms a very thin layer of the paint on the surface of the metal that provides quality finishing. Also, the color range for liquid painting is unlimited. You have unlimited color choices. Also, the finishing of liquid painting is more vibrant and alive.

3. What are the drawbacks of using wet paint?

Wet paint has few drawbacks as well. So before making a final decision of choosing liquid painting service, it is important to know drawbacks to evaluate your options better.

•  Wet paint finishing is not as durable as powder coating finishing. It starts chipping and cracking after some time in tough climatic conditions. Hence, it requires little extra maintenance than powder coating ( https://www.sun-glo.com/blog/ ) and refinishing from time to time.

•  It is not easy to get the even thickness of the coating in the first time. Multiple coats are required for unblemished and even finishing. Hence, it adds up to the cost of the finishing.

These are three things you should know about the liquid painting. So make your final decision of hiring a liquid painting service keeping these things in mind.

Posted by brucem231 at 8:26 AM EDT
Wednesday, 31 October 2018
Five Important Sip Trunk Features Businesses Need to Look For
Topic: Business
It’s a no-brainer that Sip Trunking can reduce business communication expenses which is why many businesses are opting for Sip Trunking services. However, there is no advantage of using Sip trunk service if it does not have the necessary features to meet your business needs. Here are popular Sip Trunk features to look for when selecting a provider.

1.  Tier 1 Redundant Network

Uninterrupted internet connectivity is an important factor in Sip Trunking. Network faults are a common occurrence that can affect business communication dearly. A redundant network will ensure there are no downtimes and the service provider can switch your communication channels ( GenVoice.net/Sip-Trunking ) whenever required to maintain uninterrupted communications and Internet connectivity.

Also, only Tier 1 network connects directly to the Internet. This is important to ensure high-quality audio and video calls.  Tier 2 and Tier 3 networks are plagued by quality issues which affect the quality of calls.  In absence of redundancy, Tier 2 and Tier 3 clients also face downtime issues that are a killer for business.

2.  Platform Interoperability

There are wide varieties of PBX systems, and your customers might be using PBX systems that is completely different from yours. The Sip Trunking system you choose should offer excellent platform interoperability that will ensure it supports a wide variety of PBX systems including open source solutions.

3.  User-Friendly Control Panel

Sip Trunk solutions use some kind of software for management. As a business, you would want software that does not have a steep learning curve. The software should have a user-friendly control panel that gives access to all main features.

With a user-friendly control panel, it would be easy for our staff to provision new customers, generate quotes, manage your clients, and handle invoicing.

4.  Real-Time Call Data Records

Sip Trunking generates lots of customer data(recorded calls). It is necessary the Sip Trunking solution can record conversations and provide real-time access to call data records. This feature is useful to analyze customer issues by hearing recorded conversations and take a note on inefficiencies in communication.

Call data records can also help your business to assess CSR performance and optimize staffing. In some states, businesses are required to maintain records of all communications with customers.  The call data record features will ensure your organization is compliant with any laws governing your industry.

5.  Toll Fraud Protection

VoIP Toll fraud is a situation where hackers take control of part of our VoIP phone network and use it to route their call. Toll fraud is a serious and growing threat for Sip Trunking services. You need to select a Sip Trunking service provider ( https://www.genvoice.net/blog/ ) who used advanced monitoring technologies to detect Toll Fraud.

Some of the preventive measures to reduce VoIP attacks are dedicated firewall for Sip protocol ports and set up a protocol to disable all calling features outside business hours.

Migrating to Sip Trunking services is a smart business move. If you find a service provider providing these critical Sip Trunk features, you will find your business on the quickest route to increased revenue.

Posted by brucem231 at 7:32 AM EDT
Tuesday, 30 October 2018
How CARC Paints Makes Defense Force Beneficial?
Topic: Business
Developed and deployed by the US Armed Forces, CARC paint is broadly employed to coat tactical vehicles, trucks, and equipments used by the army, marine forces, and military helicopters. Since the right of the coating is owned by the U.S. government, only license holder coating and plating companies can produce CARC for defense use.

Significantly, being absorbent, common paints are vulnerable to seep the lethal biological agents, and extremely toxic chemicals used widespread in battlefields ( sun-glo.com/carc-paint ), subject to attacks on them. This could be equally harming for equipments, vehicles, and personnel boarding them in the war fields. Precisely, CARC is an outcome of need-based tiring research and development endeavors convened by scientists with senior Army officials for years.

Process

The three-tier painting concept of CARC begins with a pretreatment process, subsequently which a primer of epoxy is used. Typically, the topcoat is made of aliphatic polyurethane while depending on the types of vehicles; an extra layer of epoxy-polyamide enamel is often used before the top layer and after epoxy. The painting technology is simply brilliant to ensure and enhance the safety and wellbeing of the troops from an attack of all sorts of biological and chemical agents and radioactive elements.

The Benefits of CARC

Highly Resistant Coating

The enduring coat of CARC paint offers an umbrella of protection for military troops, tactical vehicles, and war weapons against all potential attacks and damage caused by biological and chemical warfare. Aside from being a highly resistive painting solution, it is made non-absorbent, which makes it unique especially because toxic chemicals can pass through the entire body of vehicles that get exposure to them. As it saves the vehicle, tanks, helicopters, equipments and also the personnel who use them, due to its non-absorbent nature, they can be easily neutralized.

Great Camouflage

One of the great outcomes of CARC paint that comes exceptionally handy for defense force is its camouflage feature. The pigments used in the paints can amazingly deal with infrared technology-based mechanisms by making them weak to detect the troops and vehicles in the war field. A variety of pigments are used to camouflage vehicle and equipment in a different environment.

Ease of Cleanup

As said above, with the non-absorbent property, CARC paint offers greater ease while cleaning the tactical vehicles and equipments being exposed to harsh chemicals. Once exposed to biological toxic elements, vehicles should be denominated for further use. Thankfully, with CARC ( https://www.sun-glo.com/blog/ ), that restricts the seepage of those hazardous chemicals onto the body of vehicles, the cleanup process becomes easier, cost-effective, and time-saving.

Save Costs

Camouflage feature of the coat defends high-cost vehicles, tanks, and equipment from damaging in the battlefield by making them non-detectable by enemy forces and thus helps save a lot from further expenditure on buying new ones. Equally, the non-absorbent paint of layers make cleanup procedure easy resulting in less labor cost and neutralizing expenses which are some great attributes of CARC paints.

Highly Durable

Opposed to common paints, CARC is made quite resistive to extreme climatic conditions. Vehicles having CARC paints thus can remain protected from all harsh environmental states like extreme heat. The topcoat is already prepared with anti-corrosive properties.

Posted by brucem231 at 7:42 AM EDT
Three Most Important Things You Need to Know About Medicare Advantage Plans in Texas
Topic: Business
And when you turn 65, the frequency of visits to a doctor bound to increase. That’s why the government has initiated a medical care program for the U.S. citizens known as Medicare.

Medicare benefits can be availed through Medicare Advantage plans in Texas or Original Medicare. So before you purchase Medicare Advantage plans from your independent medical insurance agent ( harringroup/medicare-advantage-plans ), here is the list of five things that you need to know about Medical Advantage plans:

1.  Difference between Original Medicare and Medicare Advantage Plans

If you choose original Medicare, the federal government pays directly for the health care services you receive. On the other, in Medicare Advantage plans, your private insurance company paid by the government to cover your medical benefits.

Medicare Advantage plans are offered by the private companies which are in contract with Medicare. Whether you avail medical benefits through Original Medicare or Medicare Advantage Plans in Texas, first you have to become eligible for availing Medicare benefits and get enrolled for Medicare.

If you are 65 years old or older, you can enroll for the Medicare. However, in special cases, you can also enroll for the Medicare under 65 years, such as receiving Social Security Disability Insurance for a certain time or with the End-stage Renal Disease.

2.  Medicare Advantage plans cover Original Medicare benefits and more

When you invest in Medicare Advantage plans (Part C or MA Plans), you get all the medical benefits of Original Medicare Program. Original Medicare program of federal government provides beneficiaries Part A (hospital coverage) and Part B (medical coverage) medical benefits. So your Medicare Advantage plans must include Part A and Part B medical services. Apart from this, it can also include Part D (prescription drug coverage) medical benefits.

3.  Different types of Medicare Advantage plans

Medical Advantage plans are of four types- Health Maintenance Organization (HMO) Plan, Preferred Provider Organization (PPO) Plan, Private Fee-for-Service (PFFS) Plan, and Special Needs Plans (SNPs).

HMO Plans

In Health Maintenance Organizations plans, you can only visit the doctors and other healthcare providers who are included in plan’s network. Also, you need to get a referral from the primary doctor to see a specialist.

PFFS Plans

You can visit any doctor, any specialist, any hospital, and any other health care provider as long as they accept payment terms of the plan ( https://www.harringroup.com/ ). These are mentioned in your Medicare Advantage Plans in Texas.

PPO Plans

In Preferred Provider Organizations plans, you have to pay less to use a doctor, laboratory tests, and other hospital services. However, outside plan’s network, you will be charged normal rates.

SNPS

Special Need Plans focuses on people in certain severe circumstances. It covers people who live in nursing homes or have certain chronic medical conditions.

These are the three things you need to know about medical advantage plans.

If you have become eligible for Medicare, you can avail extra medical benefits by purchasing Medicare Advantage plans in Texas.

Posted by brucem231 at 6:46 AM EDT

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