Ashford Insurance

Frisco Medicare Insurance Agent

Frisco Medicare Insurance Agent

Medicare is a federal health insurance program in the United States primarily for people age 65 and older. It also covers younger people with certain disabilities or End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

While Medicare is a great benefit, it’s important to understand it doesn’t cover all medical expenses. Here’s a breakdown:

  • What Medicare Covers:
    • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facility care (short-term rehab), hospice care, and some home health care.
    • Part B (Medical Insurance): Covers certain doctor visits, outpatient care, medical supplies, and preventive services (flu shots, screenings). This typically comes with a monthly premium.
    • Part D (Prescription Drug Coverage): Offered by private companies, Part D helps pay for prescription medications, but has its own costs and coverage variations.

Why You Might Need Medicare Insurance:

Even with Medicare, you’re still responsible for some healthcare costs. Here’s where Medicare insurance comes in:

  • Deductibles: You may have to pay a certain amount (deductible) before Medicare starts covering some services. Medicare insurance can help pay these deductibles.
  • Copayments: For some covered services, you might have a copayment (fixed amount) you pay at the time of service. Insurance can help with these too.
  • Coinsurance: This is a percentage of the cost you share with Medicare for certain services. Medicare insurance can help cover this coinsurance amount.
  • Gaps in Coverage: Original Medicare (Parts A & B) doesn’t cover everything, like some preventive care or long-term care. Medicare insurance plans can help fill these coverage gaps.

In summary:

  • Medicare is a great program, but it’s not a complete solution.
  • Medicare insurance helps manage out-of-pocket costs associated with Medicare, offering peace of mind and potentially significant financial savings.

Additional Considerations:

  • Your Health Needs: If you anticipate needing frequent medical care, more comprehensive Medicare insurance might be wise.
  • Your Budget: There are various Medicare insurance plans with different costs and coverage levels. Consider your budget and needs when choosing a plan.

Remember: There’s no one-size-fits-all answer when it comes to Medicare insurance. Exploring your options and consulting with a qualified advisor can help you find the best plan for your individual situation.

Ashford Insurance Agents

Meet the Ashford Insurance Licensed Medicare Insurance Professionals

Sonia Ashford

Sonia Ashford

Owner/ Agent

Sonia, “The Medicare Insurance Lady”,  has been helping folks eligible for Medicare in Texas with their Medicare Insurance now since 2005. Sonia is also licensed in Oklahoma. 

Sarah began working in the Texas healthcare industry in 2001, where she worked for many years with elderly Alzheimer’s and Dementia patients. 

Shanelle Reyes has been a Texas licensed insurance agent since 2008. Her specialty for several years was selling life insurance where she enjoyed helping families plan for their future.


Upon completing a tour in the US Air Force (1966-1970) and a career in the Railroad Industry as a Switchman, Brakeman, Conductor, Fireman, and Locomotive Engineer (1971-2006) I felt the desire to follow in my father’s footsteps and enter the Texas Medicare insurance industry.

Starting my professional life as a secondary teacher offered me the opportunity and experience to develop a knack for explaining things so others can understand. It is one thing to know the information but to be able to clearly relay it is quite another!

John Ashford

John Ashford

Agent / Manager

Originally licensed in Texas in 2005, John Ashford is considered a Bedford Texas Independent Insurance Agent, being able to offer Medicare supplements and Part D Prescription Drug plans from multiple Texas insurance carriers. 

Cassandra Ashford

Cassandra Ashford

Sonia's Assistant / Agent

Cassandra Ashford grew up on a farm in Grapevine Texas with her family. She married her high school sweetheart in 2012 and had a beautiful daughter, Serenity, in 2014.


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