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Ashford Insurance

Greenville Medicare Supplements

Medicare Supplements Made Easy

Greenville Medicare Supplements

Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Medicare is divided into four parts:

  • Part A (Hospital Insurance)
  • Part B (Medical Insurance)
  • Part C (Medicare Advantage)
  • Part D (Prescription Drug Coverage)

Part A is free for people who have worked and paid Medicare taxes for at least 10 years. Part B has a monthly premium, which is usually deducted from your Social Security check. Part C is offered by private insurance companies and combines Parts A and B, and may include prescription drug coverage. Part D is prescription drug coverage that is offered by private insurance companies.

Medicare helps cover a wide range of health care costs, but there are some things that it does not cover. For example, Medicare does not cover routine dental care, vision care, or hearing aids. It also does not cover long-term care, such as nursing home care.

If you have Medicare, you may want to consider purchasing a Medicare Supplement plan (Medigap) or a Medicare Advantage plan. These plans can help cover some of the costs that Medicare does not cover.

Here are some of the options you have when it comes to Medicare:

  • Original Medicare: This is the basic Medicare program. It includes Part A (hospital insurance) and Part B (medical insurance).
  • Medicare Advantage: This is a type of Medicare plan that is offered by private insurance companies. Medicare Advantage plans combine Parts A and B, and may also include prescription drug coverage.
  • Medicare Part D: This is a prescription drug plan that is offered by private insurance companies.
  • Medigap: This is a type of Medicare supplement insurance that helps pay for some of the costs that Original Medicare does not cover.

It is important to compare plans and costs before making a decision about Medicare insurance. You should also consider your individual needs and preferences when choosing a plan.

Here are some things to consider when choosing a Medicare plan:

  • Your health needs. If you have any chronic health conditions, you will want to make sure that your plan covers the care you need.
  • Your budget. Medicare plans can vary in price, so you will want to find a plan that fits your budget.
  • Your location. Some plans are only available in certain areas, so you will want to make sure that the plan you choose is available in your area.
  • Your lifestyle. If you travel a lot, you will want to make sure that your plan covers out-of-network care.

It is also important to remember that you can always change your Medicare plan if you are not happy with it. You can switch plans during the Annual Enrollment Period, which runs from October 15 to December 7 each year. You can also switch plans if you have a qualifying event, such as moving to a new area or losing your job-based health insurance.

As an independent insurance agency, our options are unlimited when it comes to your coverage. We serve individuals and businesses in D/FW and its surrounding areas in Texas.