Ashford Insurance


Ashford Insurance is an Independent Marketing Organization working with United HealthCare Medicare Solutions.

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Get Medicare Health Insurance Plans & Quotes

Ashford Insurance

Medicare Insurance Made Easy


Get Medicare Health Insurance Plans & Quotes

Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement
  • Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

Medicare Coverage Options

Medicare can be a confusing topic. That is why Medicare Solutions is here to help, free of charge. Medicare Health Insurance is offered uniformly throughout the country. We offer our service throughout the United States and have the experience to help you make an informed decision about Medicare Health Insurance. Here is a quick overview of your options. To get things started and further go into depth about your options, give us a call today.

The Medicare Alphabet

  • Part A
    • Hospital-Original Medicare
    • No Premium for most people
    • Annual deductible
  • Part B
    • Medical-Original Medicare
    • Monthly Premium
    • Annual deductible and you pay 20%
  • Part C
    • Medicare Advantage Plans
    • Through health plan carriers
    • Advantages (additional benefits)
  • Part D
    • Prescription Coverage
    • Through prescription carriers

You Have Two Options for Additional Coverage

First Option
Medicare Advantage Plans (Part C)

  1. Covers Part A, Part B, and Part D of Medicare
  2. All plans approved by Medicare
  3. Premiums per month
  4. Advantages (annual physical, vision, gyms)
  5. Available through national/regional carriers
  6. Most plans include prescription coverage

Second Option
Supplement or Medigap plans

  1. Covers Part A and B only-Need to buy Part D
  2. Plans are standardized by Medicare
  3. Premiums start at about $110 per month
  4. Available through insurance companies

Medicare Prescription Coverage (Part D)

  1. Available through RX plan and Medicare Advantage
  2. Different plans and co-pay levels
  3. Plans may have deductibles
  4. Plans may cover generics in the gap
  5. Available at pharmacies or through the mail order