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“95% of our clients qualify for FREE health insurance! Contact TRIL Now for a FREE quote to see if you qualify!”

Shaughnna Blackmon

C E O

Get a Free Medicare Review

Many people ask the question, “since Medicare only covers 80%, how do I pay the other 20%?” The answer to that question is what The REAL Insurance Lady helps you answer.  If you or a loved one has Medicare, call the office today for a FREE Medicare review.  The REAL Insurance Lady will review your current plan to determine if there is something that may be more beneficial to you.

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MEDICARE OPEN ENROLLMENT BEGINS OCTOBER 15TH.

Typically, Medicare recipients can only make changes during the Annual Election Period which begins October 15th.  There are exceptions.  If you would like to find out if you can make a change to your existing plan, call our office.  If you feel that you cannot afford the costs of Medicare and/or your medications, The REAL Insurance Lady will be happy to help you find a plan and determine your eligibility for assistance with the costs of your medications as well as the costs of Medicare Part B Premium.

THE 4 PARTS TO MEDICARE:

 CoversHow Do You Get it?How Much Does it Cost?
Part ACovers hospitalization, hospice and home health care; subject toEarn it through workingIf you did not earn Part A it may cost up to $407 per month
Part BCovers 80% of services outside of the hospital (“Outpatient Services”) – such as doctor’s office visitsTurning 65 or receive Social Security Disability Income for 2 yearsApproximately $104.90 per month
Part CMedicare Advantage (insurance through a private insurance company that covers Part A, B, & D and adds extra benefits that Medicare does not cover such as dental, vision, transportation, hearing and over-the-counter medications)Have Part A AND Part BMany areas have plans that have $0 premium
Part DPrescription DrugsHave Part A OR Part BApproximately $40 per month

Medicare Advantage Plans

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.  Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, gym membership and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

What's Medigap?

A Medicare Supplement Insurance (Medigap) policy can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

When Can I Buy MediGap?

The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period, because you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you’re 65 and enrolled in Medicare Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Medigap policy. If you’re able to buy one, it may cost more.  If you apply for Medigap coverage after your open enrollment period, there’s no guarantee that an insurance company will sell you a Medigap policy if you don’t meet the medical underwriting requirements. If you apply during your Medigap open enrollment period, you can buy any Medigap policy the company sells, even if you have health problems, for the same price as people with good health.

Frequently Asked Questions

Learn about common questions that our clients ask us over the phone when picking an insurance plan and learning more about our services. 

If you have additional questions, or need further elaboration on something, please let us know by calling our phone during regular business hours: (713) 367-1161

The REAL Insurance Lady sells:

  • ObamaCare is called the Affordable Care Act.
  • ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.
HMOPPO
¨ Cheaper¨ More Expensive
¨ Requires a referral¨ No referral needed.
¨ MUST go to doctors and hospitals in the network.¨ Can go to any doctor or hospital.

Contact the Member Services or call our office.  The number is on the back of your health insurance card or call us at (713) 367-1161.

 

Premium is the amount you pay EVERY month to keep your insurance.

A Co-payment is the amount you pay for covered services at the time you receive care.

Co-insurance is a percentage (%) you pay for a covered service.

You can pay your premium by calling us at (713) 367-1161, and one of our insurance agents will happily help you with your payment process.

Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.

A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.

We Are Here to Listen.

Get The Support You and Your Family Needs

The “REAL” Insurance Lady will make sure you and your family are treated respectfully and diligenty. From flexible healthcare plans to on-demand care services, T.R.I.L is ready to help you.

Get A Free Consultation

We offer free quotes for you and your family in need of insurance services. Whether it is dental insurance or vision insurance,  we’re ready when you are, so contact us today!

Affordable Insurance for Everyone. Period.

95% of our clients qualify for FREE health insurance! Contact TRIL Now for a FREE quote to see if you qualify!

Health Insurance

The “REAL” Insurance Lady provides free and affordable health insurance to help give you and your family access to receive health care at a low cost.

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Life Insurance

Life insurance helps financially protect and prepare your family for the inevitable and unexpected events of life after you pass away.

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Medicare Insurance

We all need insurance to maintain a healthy lifestyle as we grow. Allow us to help you along your health journey throughout the different stages of life.

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Dental Insurance

Dental health is just as important as your overall health. We can help you find a low-cost dental plan to help with the cost of preventive care and maintain a healthy smile.

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Disability Insurance

Disability income insurance solves the question of what would happen if you were unable to perform your duties and earn an income.

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Vision Insurance

Vision insurance will help offset the costs of routine checkups as well as help pay for vision correction wear that may be prescribed by the attending physician.

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Companies We Represent.

Just some of the many companies that took the first step with us. Are you ready?

Join over a 60,000 Happy Clients

If you are in need of health insurance in Abilene, Texas, contact The “REAL” Insurance Lady. With a FREE quote, we can assess your insurance needs and determine if you qualify for FREE insurance.

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What We Believe

The “REAL” Insurance Lady is a Black family-owned insurance agency that provides education and access to free and affordable health, dental, life, and medicare insurance. The “REAL” Insurance Lady has been a licensed agency for 8 years and has been The Nation’s #1 Obamacare Agency for 5 years.

We support and serve underserved communities and organizations who support initiatives in these communities. Some of the organizations we support are The Kingz Social League, We Can Now, Star of Hope, Stonewall Baptist Church.

We believe in giving you information that’s most important to you and your family.

We believe the best time to understand your coverage is BEFORE you have to use it.

We believe in giving valuable recommendations with noticeable sophistication.

We believe knowledge is power and we will never charge you for our advice.