Thursday, June 23, 2016

Tip - How to Recognize Heat Stroke

Tip - How to Recognize Heat Stroke


It's almost July! Time for fun in the sun, however, it may not be fun for everyone. Older adults are more susceptible to heat stroke.

Heat stroke is the most serious heat-related illness. It occurs when the body becomes unable to control its temperature. Heat stroke can cause death or permanent disability if emergency treatment is not provided.

Older adults are more prone to heat stroke because they are more likely to have a chronic medication condition that changes their body's response to heat and are more likely to be taking medications that impair the body's ability to regulate normal body temperature.
Heat stroke signs include:
  • Sweating
  • Paleness
  • Cramps
  • Tiredness
  • Weakness
  • Dizziness
  • Headache
  • Nausea/vomiting
  • Fainting
  • Cool moist skin
  • Fast or weak pulse and/or breath
So please take care of yourselves by drinking plenty of water, resting appropriately, remaining indoors during the heat of the day, and wearing lightweight clothing. As agents, we suggest carrying bottles of water with you for your more senior clients as well as being able to recognize the signs of heat stroke. If you are experiencing signs of heat stroke or see someone who is immediately get the person to a shady cool area and cool the person quickly by any means possible at your immediate disposal. 

Tuesday, June 7, 2016

Question: Why do I get so much mail when approaching age 65?

Good question. Medicare marketing rules do not allow insurance agents to make cold calls, go door to door, or to even approach you. So, the only way to get in touch with seniors turning 65 is by direct mail or advertising.

So, if you mail in a reply card from someone’s mailer, you might be bombarded with phone calls and mail. They may sell your information to agents call centers to set appointments.

Tips to avoid some of the overflow:

Request removal from the Direct Mail Association. Go to www.dmachoice.org to be removed.

Register for the “National Do Not Call List” to avoid unwanted phone calls. Go to www.donotcall.gov or call toll-free at 1-888-382-1222 (TTY 1-866-290-4236).

Also, Register for Texas "No Call Lists" at www.texasnocall.com or by calling 1-866-TXNOCAL(L) (1-866-896-6225). 

You will need to call or give written permission for me to contact you. Remember, I charge you no fees, we are paid by the carrier you sign up with. Because I am an Independent Insurance Agent I can offer you many of the top carriers in Texas. 

So, call today! 817-689-3536.












Sonia Ashford is an independent insurance agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage and Medicare supplement insurance to consumers in Tarrant County. A respected agent within the Medicare insurance industry, she is the owner of Ashford Insurance Services. Visit Sonia's agency website http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.


Wednesday, June 1, 2016

Question: How Do I Choose Medicare Insurance Based On My Doctors?

There are two main types of supplemental coverage for Medicare: Medigap, (Medicare Supplement Insurance) or Medicare Advantage, (Part C of Medicare). One way you can begin to narrow down your Medicare Insurance options is to find out which plans your doctors accept.

You will start by contacting each doctor's offices and ask them a few questions:
First, do you participate in original Medicare? If yes, you will be able to enroll in any Medigap plan and be able to see your doctor. The majority of doctors participate in Medicare.

If they take original Medicare, ask if they accept Assignment. If they accept Assignment you will not have to worry about the extra, (up to 15% more), they can charge if they do not accept Assignment.

Secondly ask, do you take any Medicare Advantage plans? If so, which plans are you in the network with? You will want to write these down, and be sure and ask about each one if it’s an HMO or PPO network.

If your doctors answers no to the second question, then Medicare Advantage will not be a good option for you unless you’re willing to change that doctor.

For some seniors their Primary Care Physician is the most important to them. For others, Specialists may be the most important, because they may not see their PCP very often during the year. If you are willing to change all doctors than these questions don’t even matter.

This is just the start of the process to choose which type plan will be the plan for you. Feel free to call me and let me help you through this process.











Sonia Ashford is an independent insurance agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage and Medicare supplement insurance to consumers in Tarrant County. A respected agent within the Medicare insurance industry, she is the owner of Ashford Insurance Services. Visit Sonia's agency website at http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.