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Ashford Insurance

North Texas Medicare Insurance Agent: Sarah Fuhrmann

North Texas Medicare Insurance Agent: Sarah Fuhrmann

What Is a Medicare Insurance Advisor?

Medicare insurance advisors can be independent insurance sales agents representing one or multiple different Medicare plan providers (insurance companies), or they can be insurance brokers who work on behalf of a Medicare beneficiary.

Medicare insurance advisors may also work for agencies that provide free counseling and assistance to Medicare beneficiaries. These types of Medicare insurance advisors are typically non-profit organizations that offer their services for free.

How Is an Insurance Agent a Medicare Insurance Advisor?

A Medicare insurance agent can do so much more than just simply selling you a policy. A good agent will gather Medicare plans from several different carriers that sell insurance in your area, and they’ll go over the details of each one with you. The agent can help you understand the costs associated with each plan and review the benefits.

If you have a health condition that requires specific treatments, an agent can help you find a plan that is well-catered to those needs. Or they may help you find a plan that is accepted by your closest pharmacy and favorite doctors.

An agent can also help you determine which type of Medicare plan is best for your needs. For example, would you be more likely to benefit from a Medicare Advantage (Medicare Part C) plan or a Medicare Supplement Insurance (Medigap) plan? And if the answer is Medicare Advantage, would you prefer an HMO, PPO or some other plan structure?

There’s a lot to learn about Medicare, and it’s typical for new beneficiaries to have a lot of questions about what Medicare covers and how it all works. A valuable agent will take the time to answer your questions, help you better understand Medicare and offer professional advice.

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 is married and has four children, 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 a desire to help individuals & group employers with finding the plans that fit their needs and budgets.

 

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Are You Eligible for Medicare?

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement
  • Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.