Frequently Asked Questions

Who is Consumers Direct Insurance Services of Texas?

  • Founded in 2011, Consumers Direct Insurance Services of Texas?, (CDIS of Texas), is an Independent, Authorized Exclusive General Agent for Blue Cross and Blue Shield of Texas?

What type of services and products does CDIS of Texas? provide?

  • Consumers Direct Insurance Services of Texas, (CDIS of Texas), is a fully functioning insurance firm that has been providing exemplary customer service and insurance solution options for individuals with specific needs. CDIS of Texas offers expertise in multiple insurance products such as; Individual Health, Medicare Supplemental Insurance, Medicare Part D Prescription Drug Plans, Life, Long-Term Care, Annuities and Dental.

Currently, how many employees does CDIS of Texas have?

  • CDIS of Texas has over 30 dedicated license insurance specialists and administrative staff that are qualified to answer your questions and guide you toward your finding the most appropriate options for you and your loved ones.

What is Individual Health Insurance?

  • Individual Health insurance is a policy option that an individual or family can apply for should group coverage through an employer not be an option.

What is the difference between individual and group health insurance?

  • The overall concept of coverage and benefits are relatively the same, however, individuals offered group coverage through an employer or union are guaranteed accepted regardless of health history and pre-existing conditions and not subjected to underwriting. Individual health policies subject an applicant to underwriting and health history and pre-existing conditions are taken into consideration and can affect the applicant’s eligibility.

Are all Medicare Supplemental Insurance Plans the same?

  • Sort of. There are 11 Medicare Supplemental Insurance Plan options, each with varying degrees of coverage. The Plans are standardized by the federal government, so one plan is the same for everyone. The Plan F coverage is the same with Insurance Carrier A as it is with Insurance Carrier B.

Does the federal government determine the premiums for the Supplemental Insurance Plans?

  • No. The premiums for the plans are set by the individual insurance carriers that provide them.

What do the plans cover?

  • Typically, the Medicare Supplemental Insurance Plans covers your out-of-pocket expenses that Medicare leaves you responsible for after it has paid its portion of expenses. Your out-of-pocket expenses are in the form deductibles, per diem hospital and skilled nursing care room charges, co-insurance and assignment charges.

How do I qualify for a Medicare Supplemental Insurance Plan?

  • You can enroll in a Medicare Supplemental Insurance Plan if you are eligible for Medicare eligible and enrolled in Part B of Medicare. If you aren’t enrolled in Part B of Medicare or you have secondary insurance through a group or union, then you wouldn’t qualify for a Medicare Supplemental Insurance Plan.

Can I change my Medicare Supplement Plan at any time?

  • Yes. However, once outside of your Initial or Special Enrollment Period you are no longer guaranteed accepted and you are subjected to underwriting. Some insurance carriers like Blue Cross and Blue Shield of Illinois allow a beneficiary to change his or her plan at any time throughout the year without being subjected to underwriting.

Are there any penalties for not enrolling in a Medicare Supplemental Insurance Plan?

  • No. Enrollment in a Medicare Supplemental Insurance plan is optional. Unlike Medicare Part D prescription drug plans, there aren’t penalties assessed for not enrolling. However, a beneficiary runs the risk of being subjected to underwriting and not qualifying for a plan if he or she enrolls outside of a guaranteed issue period.

Will my doctor and hospital accept my Medicare Supplemental Insurance Plan?

  • Yes. Medicare is the primary insurance for Medicare Beneficiaries. the doctor and the hospital (as long as they accept Medicare) bills Medicare first and then Medicare delivers the beneficiary’s responsible charges to the coordinated Supplemental Insurance Plan carrier, who then pay those portions to the doctors and hospitals.

What costs am I responsible for if I do not enroll in a Medicare Supplemental Insurance Plan?

  • You are responsible for all the costs approved by Medicare after it pays its portions.

If Medicare doesn’t approve a charge or procedure, does the Medicare Supplemental Insurance cover it?

  • No. You are responsible for all charges or procedures not approved by Medicare. If Medicare approves a charge or procedure, then the Medicare Supplemental Insurance plan covers your responsible charges depending on which plan a beneficiary is enrolled in. Different plans offer different coverages. Please see our Article Library for a a complete list of plans and plan coverages.

Does the Medicare Supplemental Insurance Plans cover foreign travel?

  • Yes. Since Medicare doesn’t cover foreign travel, the Medicare Supplemental Insurance plans have emergency foreign travel coverage built in. Once you fulfill a $250 deductible, you are then responsible for 20% of all covered charges up to a lifetime maximum benefit of $50,000.