Texas Senior Insurance

Your Texas Senior Medicare Insurance Advisors.

Welcome to Ashford Insurance of Texas, your Independent, Authorized, Independent Medicare Insurance Agency.

Since 2005, we’ve been helping Texas seniors and families get the most out of Medicare Health Insurance Plans. With our friendly staff of seasoned experts, we’re ready to help. Whether you just need some information, some advice, or just a few good Medicare tips – it won’t cost you a dime.

Your trusted Medicare Senior insurance advisors.

At Ashford Insurance, everyone deserves access to reliable, accurate information on Medicare insurance. As your trusted advisors, we make it our number one goal to provide the resources and information you need to make an informed decision.

Whether you’re new to Medicare or already a recipient, we can help you sort your options to understand Medicare Supplement Insurance Plans, Medicare Advantage Plans, and Medicare Part D Prescription Drug Plans. With all the right information handy, and a helpful guide to lead the way, you’ll easily find a Medicare solution tailored to you.

Ashford Insurance is your premier resource, for everything Medicare.

Medicare is complex and understanding the ins and outs of coverage can be overwhelming. We’ve assembled information-packed blog articles, and valuable information to help you navigate Medicare and the choices you’ll face while choosing from a variety of options. If you have questions, we have answers, whether you’re just researching or ready to pick a plan.

Expertise you can count on, from our family of Medicare Insurance Advisors to yours.

Our website was built with you in mind. You will find it informative, user-friendly, and comprehensive. We hope you find it a valued resource for trusted information on senior Medicare insurance. We are a small, family-run company dedicated to serving our community and all Texas Medicare eligible. We take immense pride in helping seniors make informed decisions. Please look around, read some articles, and review our ever-growing showcase of Medicare Frequently Asked Question.

Explore Your Options

Whether you were born and raised in Texas or moved there later in life, Texas is a place that many call home. In fact, Texas has the second-largest population in the United States. Like most states, once you become eligible for Medicare in Texas you can purchase a Medicare Supplement Plan (also known as Medigap), Prescription Drug Plan, or a Medicare Advantage Plan. Within these three plan types, there are multiple options; luckily, a specialist at Ashford Insurance can help you with questions and help you pick a plan that best fits your needs.

Medicare Supplements Plans (Medigap) are standardized by the government. This type of plan allows you to see any doctor that accepts Medicare without a referral. This plan typically has higher premiums with lower out-of-pocket costs. These plans are statewide and allow you to use their benefits nationwide. Medicare Supplement Plans do not include prescription drug coverage so you may need to purchase a separate policy for your prescriptions.

This leads us to your Prescription Drug Plan (PDP) options. Similarly, these are state-wide policies obtained through private carriers. Each carrier’s drug coverage differs and is organized into different tier levels. Tier levels and covered prescriptions are found in the plan’s formulary. Not taking any prescriptions? Most people still enroll in a Prescription Drug Plan to avoid getting the Part D penalty. To learn more about the penalty click here. Another reason that it is important to have a Prescription Drug Plan is to ensure you are covered should you need prescriptions in the future. If you need Extra Help paying for your prescriptions, please visit https://www.ssa.gov/medicare/part-d-extra-help

Medicare Advantage Plans are also available. These plans are county specific. One county may have several options where others only offer one or two. This plan will provide your Medicare Part A and B benefits through private carriers. Medicare Advantage Plans decide annually whether to renew their contract with Medicare, therefore it’s important to get a yearly analysis of your plan options. Texas offers HMOs, PPOs, and PFFSs. The difference between these plan types is significant so please reach out to a specialist at MySeniorHealthPlan.com for further explanation.

Some of Texas’ Medicare-eligible population also receives benefits through Indian Health Services. The relationship between the federal government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare and Medicaid healthcare services accessible to all Native Americans who are eligible. For more information visit http://www.ihs.gov

There are also resources to see if you qualify for programs to help you pay for your Medicare costs. The Texas Medicare Saving Program offers special savings to beneficiaries with low income. 

From our family to yours—the Ashford Insurance Texas team looks forward to serving you!