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.

Here at Ashford Insurance, we represent several of the major carriers for 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.

You have additional Medicare coverage options when you are enrolled in both Part A and Part B. These include Medicare and Medicare-related plans offered through private insurance companies.

If you have both Part A and Part B, you may choose to do one of the following:

1. Add prescription drug coverage (Part D), Medicare supplement insurance, or both to Original Medicare.
2. Receive your Medicare benefits through a Medicare Advantage (Part C) plan. Most plans include drug coverage and additional benefits not offered by Original Medicare.

Ashford Insurance offers a selection of Flower Mound Medicare Supplements from many top carriers. As of January 1, 2020, Medigap plans sold to new people with Medicare aren’t allowed to cover the Part B deductible. Because of this, Plans C and F are not available to people new to Medicare starting on January 1, 2020.

Plan A pays the Medicare hospital and physician coinsurance, the first three pints of blood, and 365 days of hospitalization beyond Medicare. 

Plans B through N provide these benefits and add more benefits such as coverage for Medicare deductibles, excess charges and limited preventive care, and foreign travel. You can only have one Medsup plan. No one should try to sell you an additional Medsup plan unless you decide you need to switch policies.

What are the features of Medicare Supplement plans?

• It Helps cover some out-of-pocket costs that Original Medicare doesn’t pay.
• See any doctor who accepts Medicare patients.
• No referrals are needed to see a specialist.
• Coverage that goes with you anywhere you travel in the U.S.

• Guaranteed coverage for life.^*

  ^*As long as premiums are paid on time and there has been no material misrepresentation on the application.

• Open Enrollment for Texas Medicare Supplement Insurance is at age 65 for all consumers, including those already receiving Medicare due to disability. The Open Enrollment period is a six-month period, beginning when you are both age 65 or older and enrolled in Medicare Part B, companies must sell you any Medicare supplement plan they offer. After this limited open enrollment period, companies can pick and choose whom they will cover and how much they will charge based on your health. If you have an individual or “bank group” insurance policy, becoming Medicare eligible does not require you to cancel it and purchase a Medicare supplement. Doing so may save premium costs but it is important to compare benefits before deciding which will work best.

  If you are eligible for employer retirement insurance, review the plan carefully to understand what benefits are available and how it works with Medicare. Be aware that employer plans are not standardized and are not subject to the requirements governing standardized Medicare supplement policies. Also, it is important to remember, if you leave an employer plan you may not be able to go back on it.

  Depending on the Medicare supplement plan you choose, the plan may provide a benefit for (Benefits and cost vary depending on the plan you choose.):

  • Part A coinsurance (and most plans provide a benefit for the Part A deductible)
  • Some of the out-of-pocket costs not paid by Part B (some plans also cover the Part B deductible)
  • Cost of blood transfusions (first 3 pints)
  • Cost of up to 365 extra hospital days after you’ve used up your Part A benefits
  • Skilled nursing facility coinsurance or co-payment
  • Part A hospice/respite care coinsurance or co-payment

  You pay a monthly premium and some out-of-pocket costs.

  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.