Sonia Ashford is a licensed Independent Insurance Agent in the Texas Medicare field. Sonia has delivered hundreds of speeches to consumers in the Dallas / Fort Worth area about turning 65, Medicare Advantage and Medicare Supplement insurance. A respected agent within the Medicare insurance industry, she is the owner of Ashford Insurance Services, LLC and a Managing Member of Agents Legacy Group, LLC. To enroll on-line please visit RightFitPlans.com
Medicare Supplements are standardized by the Federal Government. They are labeled A, B, C, D, F, G, K, L, M and N. Each standardized Medigap policy must offer the same basic benefits no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies. Plan A pays the Medicare hospital and physician coinsurance, the first three pints of blood, and 365 days of hospitalization beyond Medicare. Plans B through N provide these benefits and add more benefits such as coverage for Medicare deductibles, excess charges and limited preventive care, and foreign travel. You can only have one Med Sup plan. No one should try to sell you an additional Medsup plan unless you decide you need to switch policies.
Open Enrollment for Medicare Supplement Insurance is at age 65 for all consumers, including those already receiving Medicare due to disability. The Open Enrollment period is a six-month period. For six months beginning when you are both age 65 or older and enrolled in Medicare Part B, companies must sell you any Medicare supplement plan they offer. After this limited open enrollment period, companies can pick and choose whom they will cover and how much they will charge based on your health. If you have an individual or "bank group" insurance policy, becoming Medicare eligible does not require you to cancel it and purchase a Medicare supplement. Doing so may save premium costs but it is important to compare benefits before deciding which will work best.
If you are eligible for employer retirement insurance, review the plan carefully to understand what benefits are available and how it works with Medicare. Be aware that employer plans are not standardized and are not subject to the requirements governing standardized Medicare supplement policies. Also, it is important to remember, if you leave an employer plan you may not be able to go back on it.
Some Texas residents are eligible to enroll in approved Medicare Advantage plans. These plans are offered by private insurance companies. Each year Medicare Advantage companies decide where they will offer their plans, what benefits will be offered, and what the premiums will be. Several include vision, dental, hearing, and wellness programs not covered by original Medicare. As noted earlier many Medicare Advantage Plans also offer prescription drug coverage. There are several Medicare Advantage plans available in Dallas, Tarrant and surrounding counties. Depending on plan choice, a member may be responsible for paying co-payments for certain covered services. Most importantly, with a Medicare Supplements, Medicare Advantage and standalone Part D Prescription Drug Plans, you must continue to pay your Part A (if any) and part B Medicare premiums.
3113 Willow Creek Way
Bedford, TX 76021
Mon - Fri 8:30 - 7:00
Ashford Insurance Services offers insurance to help pay for some of your out‑of‑pocket costs not covered by Medicare.
Ashford Insurance Services, LLC in Bedford Texas is an Independent Insurance Agency specializing in Texas Medicare Insurance for Seniors Online.
Mon - Fri 8:30 - 7:00
* Not connected with or endorsed by the US Government or the Federal Medicare program. Call to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations.
** Calling any of the above numbers will direct you to a Licensed Sales Agent
*** Clicking on Quote or Enroll Button will open our Enrollment Platform Website
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