Ashford Insurance is an Independent Marketing Organization working with United HealthCare Medicare Solutions.
Farmers Branch Medicare
Medicare Insurance Made Easy
When you turn 65, you become eligible for the Medicare program — which means you will need to set aside time around that milestone birthday to sift through many options so you can sign up for the coverage that meets your health needs and budget.
It’s up to you to get ready. No letter will arrive in the mail announcing it’s time to start making these decisions. What’s more, the timetable is specific and extremely important. You can start signing up three months before you turn 65, and you’ll have until three months after your birthday month to enroll. If you miss that deadline, you may end up paying higher premiums. If you are still working and have employer-sponsored health coverage, you can probably wait to sign up.
You’ll need to do some homework before you start assessing options and picking plans. Make a list of your doctors and decide how important it is to you that you can continue seeing them once you are on Medicare. Also, make a list of any medications you take so you can make sure any prescription drug plan you select will meet your needs.
Think about your lifestyle. Are you a homebody and never travel outside the U.S.? Or are you an adventurer who travels abroad often? Do you split your time between residences and need medical care in different states? All these factors will figure into the decisions you make.
Your financial situation is also important. Farmers Branch Medicare helps pay for medical care for most older Americans and also people with disabilities. But it’s not free. You’ll want to choose an option you can afford and build the array of out-of-pocket costs into your annual budget. And take time to review the ways the federal government can help you pay Medicare’s costs if you can’t afford them.
Products We offer
Ashford Insurance offers Farmers Branch Texas Medigap, also called Medicare Supplement Insurance Plans or just Medsup. Medicare Supplements are standardized by the Federal Government. They are labeled A, B, C, D, F, G, K, L, M, and N. Each standardized Medigap policy must offer the same basic benefits no matter which insurance company sells it.
Ashford Insurance offers UnitedHealthcare® Medicare Solutions Medicare Advantage Plans. You can get your Farmers Branch Texas Medicare benefits through Original Medicare, or you can choose a Medicare Advantage Plan. With Original Medicare, the government pays for your Medicare benefits when you get them.
Ashford Insurance offers Medicare Advantage Dual Eligible Plans (Part C of Medicare) from UnitedHealthcare® Medicare Solutions.
Some people have both Medicare and Medicaid. If so, they could be “dual eligible.” That’s where dual special needs plans — or “dual” plans — come in.
Ashford Insurance offers Medicare Advantage Chronic Plans (Part C of Medicare) from UnitedHealthcare® Medicare Solutions for Medicare Eligibles with certain chronic conditions.
Ashford Insurance offers Texas Part D Prescription Drug Plans. Part D Plans are coverage for retail prescription drugs, or the medications that you pick up at a pharmacy. This is a voluntary program which allows you to access medications at an affordable rate, and insures yourself against any prescriptions you may need future.
Funeral Expense Insurance is just that, an insurance policy that pays the costs associated with your funeral. The costs of a modest funeral can vary upwards from $5,000 and average around$10,000. There are several different forms of these policies available to assist you with planning for your end of life costs.
Short-term health insurance plans are designed to temporally fill coverage gaps for people in transition. These gaps in coverage could happen to recent college graduates, people between jobs or early retirees.
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Recent Blog Articles
Last week, the Centers for Medicare & Medicaid Services (CMS) released the 2022 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2022 Medicare Part D income-related monthly adjustment amounts.
It seems that nothing ever changes when it comes to hawking insurance to fill the gaps in Medicare coverage for seniors. The fervent sales pitches, the misinformation and the incomplete and deceptive information continue to proliferate. The problems are especially prevalent during Medicare’s open-enrollment period, which began Oct. 15 and runs through Dec. 7.
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