Garland Texas Medicare Advantage

With ever-evolving healthcare options, taking control of your future health is crucial. As a licensed Medicare supplement insurance agent in Texas, we assist you in navigating the complex landscape of healthcare. Our expertise and advocacy are available at no cost to you.

Understanding Medicare:

• Eligibility: Medicare covers individuals 65 years or older, certain individuals under 65 with disabilities, and those with End-Stage Renal Disease (ESRD).
• Administration: The Centers for Medicare and Medicaid Services (CMS) oversees the program, funded by payroll taxes, premiums, and general revenue.
• Parts of Medicare:
  
  • Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing care, hospice care, and home health care. Generally, premium-free for those who paid payroll taxes while working.
  • Part B (Medical Insurance): Covers doctor visits, outpatient services, preventive care, and medical equipment. Requires monthly premiums based on income.
  • Part C (Medicare Advantage): Offered by private insurers approved by Medicare, combines Parts A and B, often with additional benefits like prescription drugs, vision, and dental care.
  • Part D (Prescription Drug Coverage): Offered by private insurers approved by Medicare, covers prescription drugs with monthly premiums and copayments or coinsurance.

How Medicare Works:

• Eligible individuals can choose Original Medicare (Parts A and B) or Medicare Advantage (Part C) for coverage.
• Beneficiaries pay premiums, deductibles, copayments, and coinsurance for healthcare services.
• Medicare has limitations, and some services may not be covered.

Additional Options:

• Medigap policies can be purchased to supplement Medicare coverage and help cover out-of-pocket costs.

Choosing the Right Plan:

• Understanding Medicare and its parts is crucial for making informed decisions about your healthcare coverage and costs.
• Ashford Insurance, as your licensed Medicare insurance agents, offer free consultation and advocacy to help you navigate the complexities and choose the right plan for your unique needs.

Take charge of your future health. Contact us today for personalized guidance and support.