Keller Medicare Plans

Keller Medicare Plans

Are you living in Keller Texas and close to turning 65? If you or your family is hitting this milestone age soon, then it’s time to look at Medicare. Do you know what it covers? Where are the gaps in coverage? When are you eligible to sign up? Enrolling in Medicare can be an overwhelming and confusing experience. Benefits may be different from those you had while you were under a private policy.

Medicare is a federal health insurance program in the United States that provides coverage to people who are 65 years or older, certain younger people with disabilities, and those with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). Medicare offers four main types of coverage, known as Parts A, B, C, and D. Here’s a more detailed explanation of each:

1. Medicare Part A: Part A is hospital insurance that covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care services. Most people who have worked and paid Medicare taxes for at least 10 years will not have to pay a premium for Part A.

2. Medicare Part B: Part B is medical insurance that covers doctor visits, outpatient care, medical equipment, and preventive services like flu shots and cancer screenings. There is a monthly premium for Part B, and the amount varies depending on your income.

3. Medicare Part C: Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A and B). It’s offered by private insurance companies approved by Medicare and includes all the benefits of Parts A and B, plus additional benefits like vision, dental, and prescription drug coverage. Medicare Advantage plans may have lower out-of-pocket costs than Original Medicare but may also have more restrictions on which doctors and hospitals you can use.

4. Medicare Part D: Part D is prescription drug coverage that helps cover the cost of prescription medications. It’s offered by private insurance companies approved by Medicare, and there is a monthly premium for Part D. The amount varies depending on the plan you choose and your income.

In summary, Medicare offers hospital insurance (Part A), medical insurance (Part B), Medicare Advantage (Part C), and prescription drug coverage (Part D). It’s important to understand the differences between these options so that you can choose the coverage that best meets your healthcare needs and budget.

Confused? Many People Are. It can seem overwhelming when trying to plan your future coverage and sort through the many options, especially since the choices you make can have a significant effect on your health care and your financial well-being.

Whether an “all-in-one” Medicare Advantage plan or a standalone Part D plan suits you, Ashford Insurance can help. Get a quote for prescription drug plans online now at no cost to you. Or, let one of our licensed agents review your options and find the best drug insurance plan for your unique needs. Just give us a call today at 817-952-3153.

Here at Ashford Insurance, we represent several of the major carriers for Keller Medicare Supplement plans (aka Medigap policies) and Medicare Part D drug plans. We will help you find the plan that suits your health care needs, and your financial budget as well.

Our goal here at Ashford Insurance is to ensure you understand your options in the Medicare marketplace. We know that this can be a very tedious endeavor and every individual is different; having access to major carriers is the only way to determine what level of coverage will best suit your needs.