Northlake Medicare Plans

Northlake Medicare Plans

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.

Our goal here at Ashford Insurance is to ensure you understand your options in the Medicare marketplace. We know that this can be a very tedious endeavor and every individual is different; having access to major carriers is the only way to determine what level of coverage will best suit your needs.

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 more detailed explanation of each:

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

In summary, Medicare offers hospital insurance (Part A), medical insurance (Part B), Medicare Advantage (Part C), and prescription drug coverage (Part D). It’s important to understand the differences between these options so that you can choose the coverage that best meets your healthcare needs and budget.

When it comes to deciding on your Northlake Medicare options, you can spend hours doing your own research or you can speak to a local, licensed Texas agent with Ashford Insurance. Your agent will compare your options to find the coverage that’s tailored to you and at a price that fits into your budget. We do this all at no cost and no obligation to you. With an Ashford Insurance agent, you get the benefit of great counsel, experience, and great choices.