Welcome! We Know Medicare is Confusing! Let Us Help! Ashford Insurance is an independent insurance agency specializing in the Medicare market. As an independent agency, we have the freedom to offer any Supplement or Medicare Prescription Drug product from any company. After reviewing all of your doctors and prescriptions, we can give you a true and unbiased opinion.

Medicare is a federal program that provides individuals 65 years or older healthcare coverage at a small cost. Original Medicare coverage is broken into two parts—Part A and Part B—and is accepted by nearly every doctor and hospital in the country. Medicare Part A covers inpatient or hospital stays while Part B covers outpatient or medical care.

Together, Part A and B cover about 80% of the typical healthcare costs seniors face—leaving a few significant gaps in coverage. Medicare Supplement (Medigap) plans are supplemental policies designed to help extend coverage, lessen costs, and ultimately give beneficiaries peace of mind at all times.

What Are Medicare Insurance Agents and Brokers?

A Medicare insurance agent is a licensed expert that helps you review and evaluate Medicare plans and their benefits, and guides you in choosing a suitable one.

There are two kinds of Medicare insurance agents. The first is the independent Medicare insurance agent. This type of Medicare insurance agent works with many different insurance companies and can enroll you in health plans from any of them.

The second kind is the captive Medicare insurance agent. Unlike independent agents, captive agents partner with only one insurance company and are limited to plans from that particular insurer when assisting Medicare beneficiaries.

A Medicare insurance broker is quite similar to an independent Medicare insurance agent. They’re not bound to just one insurer. They can educate you about and enroll you in plans from different insurance companies.