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Ashford Insurance

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

North Richland Hills Medicare Plans

Ashford

Insurance

Medicare Insurance Made Easy

North Richland Hills Medicare Plans

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 brief overview of each:

  1. Medicare Part A: Part A is often referred to as hospital insurance. It covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. 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 often referred to as medical insurance. It 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. Some 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. It’s offered by private insurance companies approved by Medicare and helps cover the cost of prescription medications. There is a monthly premium for Part D, and the amount varies depending on the plan you choose and your income.

Medicare offers four main types of coverage: Parts A and B (Original Medicare), Part C (Medicare Advantage), and Part D (prescription drug coverage). It’s important to understand the differences between these options so that you can choose the coverage that best meets your needs.

Types of Medicare Insurance

Medicare Advantage and Medigap plans are two diverse types of insurance plans that can help people with Medicare cover healthcare costs that are not covered by Original Medicare (Parts A and B). Here’s an explanation of each:

  1. Medicare Advantage: Medicare Advantage (MA) is a type of health insurance plan offered by private insurance companies approved by Medicare. MA Plans combine all the benefits of Original Medicare (Parts A and B) into one plan and often include additional benefits like prescription drug coverage, vision, and dental care. MA plans have an annual limit on out-of-pocket costs, which means that once you reach the limit, the plan pays for all covered services for the rest of the year. However, MA plans typically have a restricted network of providers, and you may need a referral to see a specialist.

  2. Medigap: Medigap, also known as Medicare Supplement Insurance, is a type of private health insurance that helps pay for some of the costs that Original Medicare (Parts A and B) does not cover, such as deductibles, copayments, and coinsurance. Medigap plans are sold by private insurance companies and work alongside Original Medicare. Unlike MA plans, Medigap plans don’t have a restricted network of providers, and you don’t need a referral to see a specialist. Medigap plans generally have higher monthly premiums than MA plans but can offer more flexibility and predictability in healthcare costs.

In summary, Medicare Advantage (MA) plans and Medigap plans are two different types of insurance plans that can help people with Medicare cover healthcare costs that are not covered by Original Medicare. MA Plans combine all the benefits of Original Medicare into one plan and often include additional benefits, while Medigap plans work alongside Original Medicare to cover some of the out-of-pocket costs. It’s important to understand the differences between these two plans to choose the coverage that best meets your healthcare needs and budget.

Need help? Call us for an appointment at (817) 952-3153

Ashford Insurance is an independent health insurance agency specializing in Texas Medicare insurance and has been helping seniors since 2005.  Ashford Insurance is here to help you understand Medicare and health insurance in simple, plain terms that anyone can grasp.  We specialize in assisting folks who are Medicare eligible to learn about the coverage options available through the Medicare Health Insurance Program. 

Ashford Insurance Agents

Our Products

Here is a partial list of the products offered by Ashford Insurance

Medigap Insurance

Medicare Supplements

Dual Medicare Plans

Got Medicare & Medicaid?

Chronic Needs

Special Need Plans

Prescriptions

Prescription Drug coverage

Dental Insurance

Dental Insurance Plans

Life Insurance

Life Insurance Plans

Funeral Insurance

Burial Insurance

Short Term Medical

Temporary Insurance Coverage

Health Insurance

ACA FFM Exchange

Notary Services

Notary Public

Contact Form

(817) 952-3153

M-T 9:00 – 4:00
F 9:00- 12:00

Weekends & Evenings by Appointment

Address

 1245 Southridge Court Suite 101, Hurst, TX, 76053

* A licensed sales agent may call or e-mail as a result of completing the information to discuss Medicare Advantage, Prescription Drug Plans or Medicare Supplement Insurance.

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Unveiling the Factors Behind the Costs of Original Medicare

Medicare, a vital federal health insurance program for seniors, plays a crucial role in providing healthcare coverage to millions of Americans aged 65 and older. While Original Medicare (Medicare Part A and Part B) offers comprehensive coverage, many beneficiaries wonder why the program can be associated with substantial costs. In this blog post, we will delve into the factors that contribute to the expenses associated with straight Medicare and shed light on the complexities of healthcare pricing within the system.

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