Richland Hills Insurance Agent Sarah Fuhrmann

Sarah Fuhrmann

Agent

Texas Insurance License # 2281981.

Sarah Fuhrmann is a true Texan, born and raised. She has lived in the Dallas / Fort Worth area most of her life and currently resides in Keller, Texas. 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.

Medicare Isn’t Free

Most people are surprised to learn that Medicare isn’t free. Medicare is a federal program for which beneficiaries pay taxes while working in exchange for participation when they become eligible. Yet, despite the taxes, you pay over the years Original Medicare (Part A and Part B) comes with cost-sharing. This cost-sharing includes copays, coinsurance, deductibles, and premiums.

Once you meet your deductibles, Original Medicare covers 80% of your health care expenses. Thus, you’re responsible for paying the remaining 20%.

To be eligible for premium-free Part A (inpatient coverage), you or your spouse must work at least 40 quarters (10 years), paying Medicare taxes. Individuals who don’t meet those requirements will be subject to pay at least partial monthly premiums. If you don’t qualify to receive this coverage premium-free or for a reduced premium, you’ll need to pay the full Part A premium each month.

Additionally, having a basic understanding of Part A benefit periods can help save money and time. Although Medicare runs on a calendar year, you’ll need to meet your Part A deductible for each of your stays at a hospital or skilled nursing facility before Medicare pays.

Similar to Part A, the remaining parts of Medicare – Part B (outpatient services), Part C (Medicare Advantage), and Part D (prescription drug coverage) are also not free.