Ashford Insurance


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

Medicare and Me DFW

Ashford Insurance

Medicare Insurance Made Easy


Medicare and Me DFW

Medicare is a federal health insurance program for people 65 and older, people with certain disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). Medicare has four parts:

  • Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
  • Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
  • Part C (Medicare Advantage) is a private health insurance plan that provides all or most of your Medicare Part A and Part B benefits.
  • Part D (Medicare Prescription Drug Coverage) helps pay for prescription drugs.

Medicare does not cover all health care costs. You may have to pay a monthly premium, deductible, copayments, and coinsurance. There are also some services that Medicare does not cover at all.

There are a number of insurance plans available to help mitigate the costs of Medicare. These plans include:

  • Medigap (Medicare Supplement) plans are private insurance plans that can help pay for some of the out-of-pocket costs of Original Medicare, such as deductibles, copayments, and coinsurance.
  • Medicare Advantage Prescription Drug Plans are Medicare Part D plans that are offered through Medicare Advantage plans.
  • Dual-eligible Special Needs Plans (DSNPs) are Medicare and Medicaid plans that are designed for people who are eligible for both programs.
  • Cost-sharing assistance programs are government programs that can help pay for some of the out-of-pocket costs of Medicare.

The best way to find out what type of insurance is right for you is to talk to a licensed insurance agent. They can help you compare plans and find one that fits your needs and budget.

Here are some additional things to keep in mind about Medicare:

  • You can sign up for Medicare during your Initial Enrollment Period (IEP), which is the seven-month period that begins three months before the month you turn 65. You can also sign up during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year.
  • If you miss your IEP or AEP, you may still be able to sign up for Medicare, but you may have to pay a late enrollment penalty.
  • Medicare is a vital resource for many people, but it is important to understand how it works and what types of insurance are available to help you mitigate the costs. By talking to a licensed insurance agent, you can find the right plan for your needs and budget.