MEDICARE SUPPLEMENT INSURANCE

Medicare Supplement insurance is offered to protect our customers’ health and wallets. It’s a great option to add to your existing Medicare Part A and B plans, as Medicare supplement insurance helps cover some out-of-pocket costs that Part A and Part B may leave you with. .
Call us for a quote or questions regarding Medicare Supplement Plans at 713-369-0997

Medicare Supplement Insurance Plans

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Sena Insurance Group works with leading insurance companies to offer a full line of products ready to protect you financially from damage or loss of your property and possessions.

Compare our most popular plans

Plan F

Plan G

Plan N*

Plan Overview

When you see a doctor that accepts Medicare patients, Medicare covers a portion of Medicare-approved expenses. Plan F covers the remaining Medicare approved expenses so you won’t be charged.

When you see a doctor that accepts Medicare patients, Medicare covers a portion of Medicare-approved expenses. You will have to pay the annual Part B deductible ($203 in 2021) before Plan G begins to pay benefits. After you pay the Part B deductible, Plan G covers the remaining Medicare approved expenses so you won’t be charged.

When you see a doctor that accepts Medicare patients, Medicare covers a portion of Medicare-approved expenses. Medicare sets an annual Part B deductible ($203 in 2021,) which you will have to pay before before Plan N begins to pay benefits. In addition, with Plan N you will pay a copay of up to $20 each time you go to the doctor. And if you go to the emergency room, you will pay a copay of up to $50.

Basic Benefits

1. Medicare Part A coinsurance (hospitalization room and board, general
nursing, miscellaneous services and supplies that Medicare does not pay
for; also pays all of these expenses for 365 days after Medicare coverage
ends)
2. Medicare Part B coinsurance (physicians’ services, inpatient and
outpatient medical and surgical services and supplies, physical and
speech therapy, diagnostic tests and durable medical equipment)
3. Hospice care coinsurance when patient meets Medicare’s hospice
requirements
4. First three pints of blood each year

After copay*

Skilled Nursing Facility Co-Insurance

Pays coinsurance (up to $185.50 per day in 2021) for days 21 – 100 for a Medicare
approved stay in a skilled nursing facility. Medicare pays all charges in days 1-20

Medicare Part A Deductible

Pays the first $1,484 (in 2021) each benefit period for Medicare approved charges
for hospitalization, including room and board, general nursing, miscellaneous
services and supplies. The benefit period ends once you’ve been out of the
hospital and not received other skilled care for 60 consecutive days. If your plan
does not have this benefit, you would need to pay the deductible out of pocket.

Medicare Part B Deductible

Pays the first $203 (in 2021) of each calendar year for Medicare-approved
charges for physicians’ services, inpatient and outpatient medical and surgical
services and supplies, physical and speech therapy, diagnostic tests and durable
medical equipment. If your plan does not have this benefit, you would need to
pay the deductible out of pocket.

Medicare Part B Excess Charge

The plan pays all charges over the amount that Medicare pays for a given
service, which can be up to 15% more. Those extra charges would otherwise be
billed to you. Some states prohibit doctors that take Medicare patients from
charging more than that rate.

Foreign Travel Emergency

Medically necessary emergency care services, beginning during the first 60 days
of each trip outside the USA. You pay a $250 calendar year deductible, then the
plan pays 80% of charges up to a lifetime maximum of $50,000