Medicare Advantage Agent Sarah Fuhrmann
Sarah Fuhrmann
Agent
Sarah Fuhrmann is a true Texan, born and raised. She has lived in the Dallas / Fort Worth area most of her life and currently is a Keller, Texas resident. Sarah graduated from Faith Christian School in 2000, the first year the campus opened. Currently, she is an active member of a Church in Keller. She has four adorable children, and enjoys taking long naps, Cocoa Krispies, the mountains, and, of course, sweet tea.
She began working in the healthcare industry in 2001, where she worked for many years with elderly Alzheimer and Dementia patients. From there, she worked as a Group Benefits Administrator with a local healthcare company in the Human Resource Department for a period of 10 years. Since then, Sarah has decided to work in the insurance industry full-time and has joined the family business, Ashford Insurance, as a Medicare Insurance Agent.
Sarah brings her strong knowledge of health and life insurance, along with great organizational and administrative skills. She has the desire to help individuals & group employers with finding the plans that fit their needs and budgets.
About to turn 65? It’s time to start thinking Medicare
If you are turning 65 in the next few months, now is a good time to start thinking about Medicare coverage.
You can sign up for Medicare three months before your birth month or three months after. So, including your birth month, that is a seven-month window. If you wait beyond that period, you can still sign up, but there is a penalty.
Medicare is easy to sign up for and a lot of help is available.
You can get started at www.medicare.gov. This site explains what Medicare is, what it covers and how much it costs.
There are also agents Like Sarah Fuhrmann who represents health insurance companies providing Medicare coverage. You can meet with one of them in person to get Medicare questions answered and figure out what coverage is best for you, as well as the costs and benefits of additional coverage to fill the gaps in what Medicare pays. An agent or broker can also help you figure out if the services provided by your doctor, dentist and other providers are covered under a particular plan.
The four parts of Medicare
Medicare is divided into four parts: A, B, C and D.
- Part A covers hospital, skilled nursing and hospice services, lab tests, surgery and home health care. It is free of charge.
- Part B covers services provided by doctors and other health care provers, outpatient care, medical equipment, home health care and some preventative services. It costs $170 a month. Medicare pays 80 percent of costs under parts A and B, and the patient pays 20 percent.
- Part C is an alternative called Managed Medicare or Medicare Advantage through which Medicare recipients can choose private health plans in addition to Medicare Part B. There is no to low premium for advantage plans, although there are deductibles and other expenses.
- Part D covers most self-administered prescription drugs. There is a penalty if you don’t have a plan D.