Thursday, November 2, 2017

The Medicare Alphabet Explained

The different Parts such as A, B, C, and D are the different parts of Medicare. 

Plans such as Plan F, G, and N are Medicare Supplements also known as Medigap. Policies which help those on Medicare pick up out of pocket costs.

Original Medicare has four different Parts; A, B, C, & D.

Medicare Part A is your Hospital Insurance and it covers inpatient hospital stays, skilled nursing stay, home health, and hospice. A Medicare Supplement helps pick up the out of pocket costs.

Medicare Part B is your Medical Insurance which will cover doctor services, outpatient care and surgery, durable medical equipment as well preventative services. A Medicare Supplement will help pick up out of pocket costs.

Medicare Part C, also known as a Medicare Advantage Plan, is not a Medicare Supplement. There are different types of Medicare Advantage Plans including HMO, PPO, PFFS (Private Fee for Service), and SNP (Special Needs Plans).

A Medicare Part D is a Medicare prescription drug coverage which is administered by private insurance companies. If you don't enroll in prescription drug coverage at the right time, you may be subject to a Part D Late Enrollment Penalty.

Here is how Medicare Supplements and Medicare Advantage Plans are different:

Medicare Supplement Plans A, B, C, D, F, G, K, L, M, N work directly with "Original Medicare". Medicare pays its share of the Medicare-approved amount for Medicare-covered health care costs. Then your Medicare supplement will pay its share. With a Medicare Supplement, you have the freedom to choose whichever hospital, doctor or medical provider you want as long as they accept Medicare. Your monthly premiums may increase every year. Medigap Plans do not cover prescriptions so you must enroll and pay separately for a "Stand alone" Medicare (Part D) Prescription drug plan.

To qualify for Part C, Medicare Advantage Plans HMO, PPO, PFFS, or SNP. You must be enrolled in both Medicare Parts A & Part B, meaning you have to keep paying for part B. You must live in the area six months a year. Lastly, you must not have End Stage Renal Disease (the last stages of kidney failure and you would be on kidney dialysis).

Medicare pays the Medicare Advantage insurance company a certain amount every month for your care while you are on the plan. Your Part B must always be in effect. You use your plans Medicare Advantage insurance card, not your Medicare red, white and blue card. The Plans must provide your Part A and Part B benefits and some Medicare Advantage Plans have Part D prescription drug plans included.

You may have a zero to low dollar premium with various co-pays, deductibles and a maximum out of pocket cap. Many of these plans offer extra benefits such as gym memberships, dental benefits, transportation and other additional benefits. Many of these plans require you to use their network of Doctors, Providers and Hospitals and the ones with out-of-network benefits will often cost more to use.

For assistance please contact Sonia Ashford at 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 to learn more about how she can help you with your Medicare decisions.

Sunday, October 15, 2017

2018 Medicare Plans Now Available - Compare & Enroll Today!

Compare Texas 2018 Medicare Plans Online

Agents Legacy Group, LLC is a leading Medicare Plan insurance agency in Texas with an online 2018 Medicare Plan enrollment platform for clients and agents. Since 2007, ALG has helped thousands of seniors find the “RightFit” Medicare Advantage Plan.

We are Agents Legacy Group. Our Agents are different because they make a difference. Prospective members need a knowledgeable and trustworthy agent to help them make these decisions.
Our unrivaled knowledge and experience give our Texas agents an advantage to help individuals, families, and employers make informed and confident healthcare decisions.

When it's time for a Texas Medicare Advantage Plan, get the coverage you need, look to the team at Agents Legacy Group. We've got you covered with over 100 years of Medicare Advantage Plan experience. We offer both 2018 Texas Medicare Advantage Plans and Texas Medigap (Supplements) as well.

Corporate or captive Texas insurance agents typically represent the interests of an exclusive company and push a single "brand" of insurance. The Agents Legacy Group is able to offer clients various options to best suit their individual Texas plan needs, the “RightFit”. This is because we represent a variety of trusted Texas Medicare Plan companies. By providing our clients with a selection of choices, we help them select Medicare Plan policies and coverages that best serve their specific needs.

The Agents Legacy Group is dedicated to providing our Texas clients with the best product, service and customer care available in the Medicare Plan industry. Our team is responsible for making sure your best interests are protected. Unfortunately, we can't predict the future, but we can help protect you from unexpected healthcare expense.

Call Sonia for Details! 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 to learn more about how she can help you with your Medicare decisions.

Friday, September 29, 2017

Fall Thank You from Sonia Ashford

Sonia Ashford of Ashford Insurance Services, LLC here with a short note for you. Fall has finally arrived and as a valued client, I want to take a moment to thank you for your business! You have trusted me to help you find Medicare health insurance that meets your needs and it is my pleasure serving you.

I just wanted to remind you that I am an Independent Insurance Agent. This means I work directly for my clients, (that means you) and allows me to offer several of the prominent/popular Medicare Advantage Plans and Medicare Supplement (Medigap) Insurance Plans in Texas.

Also, just so you know, I offer Life, Dental, Vision, Accident, Cancer, Travel, Hospital Indemnity and Burial Insurance plans.

The 2018 Medicare Open Enrollment season will run from October 15, 2017, through December 7, 2017, and you will soon be receiving your plans Annual Notice Of Change in the mail if you have not already.

Here is what I recommend:
  1. Read your 2018 Annual Notice of Change as soon as you receive it. This tells you what is different for next year.
  2. Confirm that your prescriptions are still available in the 2018 Prescription Drug Formulary. The insurance companies may delete and add drugs or even change the Tiers, cost shares and deductibles from year to year.  
  3. Call your doctors and other providers to confirm that they will continue to accept your current plan in the coming year. If they will not and you wish to continue to see them, ask for a list of plans that they will be taking.
  4. *Call me if you find something that concerns you. Some of my clients will need to call me while most will be fine where they are.

 If you wish to change Medicare Insurance plans for any reason *call me so we can find the right plan for you.

My hope is that all my clients are already in the right plan for next year. It's just not possible to know for sure until the new changes are unveiled in early October.

 As you may have experienced, deciphering Medicare plans can be confusing. You most likely have friends or family who could benefit from learning more about the available Medicare health insurance options.

I would be honored to assist anyone you refer to me and I will ensure they also obtain health care coverage that meets their needs. As always, I offer these services at no cost or obligation, the insurance carriers compensate me when someone signs up on a plan.

If you know someone who is retiring or turning 65 and would be interested in receiving more information or who might need assistance navigating Medicare health insurance options, please have them *call me.

Check our website or social media for a list of places I will be having Medicare Plan Meetings and bring a friend.

**Please note I will be out of the office from Oct 4-10th and will be ready to assist you with your Medicare needs.

I'm glad to have you as my client.

Please forward this to anyone that could use my help.


Sonia Ashford
(817) 689-3536

Try This Great Fall Twist on Alfredo:


prep 5 mins
cook 15 mins
total 20 mins
yield 4 servings


  • 1 pound fettuccine (reserve 1 cup of pasta water)
  • 6 tablespoons butter
  • 2 cloves garlic, minced
  • 1 cup pumpkin puree (not pie filling)
  • 1/8 teaspoon nutmeg
  • 2/3 cup half & half
  • 1/2 cup freshly grated Parmesan cheese
  • 1 tablespoon fresh chopped parsley


  1. Bring a stockpot of water to a boil over high heat. Add a teaspoon of salt to the boiling water, then add fettuccine. Cook until al dente (check package instructions)
  2. Meanwhile, melt butter over medium-low heat. Stir in garlic and cook for about a minute, careful not to burn. Stir in half & half, Parmesan, pumpkin, and nutmeg. Stir until sauce is heated through and cheese is melted. Stir in pasta water, about 1/4 cup at a time, until sauce is desired consistency (I used about 1/2 a cup, and it was thick and creamy. For a thinner sauce, use more water).
  3. Add pasta and cook over medium-high heat until sauce is smooth and pasta is well coated; about 1-2 minutes.
  4. Divide into bowls and garnish with fresh chopped parsley and fresh grated Parmesan, if desired.
Recipe by Yellow Bliss Road at