Things to Consider While Shopping for a Medigap Plan

If you are shopping for a Medicare Supplement (Medigap) plan, your Ashford Insurance Agent will be able to share the key differences between the insurance companies offering these plans.

 

Some of the things to compare between Insurance Companies are:

How long the company has been in the Medigap business?

How long the company has been offering plans in your state of residence?

What is the current financial rating (AM Best) for the company?

What does the 3-year history of the company’s Medical loss ratio look like and how does it compare to the national average?

How many enrollees does the company’s Medigap plan(s) have?

What is the history of rate increases for the past 3 years look like?

How is the company’s history of customer complaints?

Do they offer additional non-Medicare covered benefits like a Gym Membership, out of country travel benefits or the ability to change inside the company’s plans from one plan to another without going through Underwriting?

Note: You must still continue to pay for your Medicare Part B premium

As you can see there is more to think about when it comes to Medigap Plans than initial cost or whether you want a Plan F or a Plan G.

For more information click on the image below:

For personalized assistance in choosing which insurance company and plan, please call:

Sonia Ashford
(817) 689-3536

senioerhealthx@gmail.com

What to look for in a Medicare Advantage Plan

If you are shopping for a Medicare Advantage plan, your Ashford Insurance Agent will take the time to review the key differences between each plan available to you so YOU can make an informed decision. 

Here are some of the key differences to look for between plans:

Does your current Doctor and Specialists accept the plan?

The number of Doctors and Hospitals and which ones that are ‘In-Network.’

Do the Doctors have their own Networks within the plans Network?

Will you be required to have a referral from your Primary Physician to see a Specialist?

What are the co-pays for Doctors and Specialist visits?

Is the plan an HMO or PPO and how will that affect how you can get service?

The rules and extra cost you may incur for using providers out of network.

The plan’s premium for both the health and prescription drug part of the plan?

What will the out of pocket costs be for the specific prescription medications you take?

What is the Maximum Out Of Pocket limit for both in-network and in/out of Network services?

What is the daily cost of an Inpatient Hospital stay?

What will the costs be for Skilled Nursing Care?

What is your co-insurance for Durable Medical Equipment?

What is the plan’s Star rating for health and for prescription drug coverage?

Are there any Travel benefits?

Does the plan have any vision or dental benefits?

How hard is it to find an Urgent Care provider?

Check the out of pocket costs for any other key service you may use more than once per plan year.

Do the plans have any non-Medicare covered benefits like a gym membership?

Note: You must still continue to pay for your Medicare Part B premium

These are some of the things to look at when comparing Medicare Advantage plans.

For more information please click the image below to visit:

Sonia Ashford

(817) 689-3536

seniorhealthtx@gmail.com

Sonia Ashford's Medicare Insurance Broker Biography

I'm Sonia Ashford, I was first influenced to pursue a career in insurance by a close family friend who was an agent working in the Medicare field. Unfortunately, he passed away soon after I was licensed. I then went to work for a Property & Casualty company for a short 3-year period. I was drawn back to the Medicare field when my grandmother needed help with her Medicare insurance. It was so rewarding to experience how much I was able to help her with her healthcare. I have since had the joy of helping many clients with their insurance healthcare needs. I look forward to being able to partner with you.

I have been in the Texas Insurance business since 2005. I've been married to John Ashford since 1982. We have six children and nine grandchildren we love to spoil. In my spare time, I enjoy quilting and crafting. 

I can be reached at: 

817-952-3153

sonia@ashfordinsurancegroup.com