Let's Start With the Basics
Medicare Study Guides
Medicare.gov
We can help you get started with Medicare Advantage or Medicare Medigap Supplement. For the best and most accurate information, refer to www.medicare.gov
Medicare Basics Pros and Cons
Medicare A + B
Medigap (Supplements)
Medigap (Supplements)
If you are eligible for medicare, this is where you start.
You Must Be 64+ years old to age into medicare.
Medicare A covers IN-hospital care (in patient), Paid for by your taxes through payroll.
Medicare B covers OUT hosptial care ( Dr Visits, Specialists, Skilled Nursing, ETC) Costs a monthly Premium.
Covers most things, but has a deductible and can leave you with 20% of most of your hosptial stays, and can leave you with coverage gaps
6 coverage Gaps:
Medicare A: Gap Deductible, CO-Pays, Excess Coverage charges ( by Dr), (3gaps)
Medicare B Gap: Deductible, CO-Pays, Excess Coverage charges ( by Dr), (3gaps)
Total 6 Gaps
CONs:
Missing Dental, Vision (DVH), Hearing, and Rx. additional costs with added support plans.
ADDED COSTS OVER TIME versus Medicare Advantage. Your age will cause this cost to increase (B)
Mulitple Premiums and Cards:
Medicare B, Supplement, DVH & RX
PROs: Accepted everywhere Medicare is availble. Great coverage for large medical expenses. Availble Statewide for travel.
Medigap (Supplements)
Medigap (Supplements)
Medigap (Supplements)
Medicare Medigap Supplement pays for What A&B doesn't pay for. Usually leaving you with a deductible or a smaller out of pocket amount. Additional premium cost based on plan type.
Popular Choices
Supplement F (pre-1955 DOB)
Fills most of the Gaps
Supplement G
Fills Most Gaps, but has a deductible cost for Medicare part B.
Supplement N
Fills Most Gaps Copays, Excess Charges upto 15% (Dr. upcharges)
MEDICARE.GOV for more information.
Medicare Advantage
Medigap (Supplements)
Medicare Advantage
Medicare Advantage is private insurance managed and subsidized by the federal government.
Similar to health insurance that you have had your whole life.
PROs:
Includes: DVH, RX, OTC costs, Reduction of part B deductible, Gym Memberships.
CONs:
PPO/MMO specific Dr. or lcoations, limited for travel, Limited for specialists,
The Team
Reggie Salyer
Reggie began his career in insurance in 2003 as an property field adjuster with with a major home insurance carrier. He then moved into the construction industry and focused on fire, smoke, water and mold restoration for personal and commercial residences. He felt called to help others in a more rewarding way. Altering his career path, Reggie joined an educational software company that focused on supporting K-12 students that were struggling to learn. This new path helped him develop his passion for helping others, and provided a rewarding life experience that drives him to this day.
Dennis Weaver
Dennis has been a local insurance agent in the Seguin area for over 30 years. After retiring in 2016 he realized that his passion to help others wasn't being met playing golf and fishing in local bass tournaments. He joined Salyer Agency and provides experience, knowledge, and a wonderful historical perspective that was lacking.
Contact Us
Fill out the form with any questions you have about finding the coverage that's right for you!
Salyer Agency
6532 Texas Highway 123, Seguin, Texas 78155, United States
Hours
Monday - Friday: 8 am - 5pm
Saturday: By Appointment Only
Sunday: Closed
Salyer Agency, LLC
Copyright © 2023 Salyer Agency, LLC - All Rights Reserved. We do not offer every plan available in your area. Currently we represent 3 carriers or organizations which offer 150+ plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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