Friday, December 2, 2016

Medicare Open Enrollment is ending on the 7th


Don’t procrastinate. If you want a Medicare Advantage plan or would like to change plans, you only have until December 7th.

This is true for folks with a Part D Prescription Drug Plan as well. You can browse plans, pricing and your prescription costs on Medicare.gov.


Call Sonia for an appointment before time runs out.

Sonia Ashford is an Independent Insurance Agent in the Medicare field and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

817-689-3536

Monday, October 17, 2016

Are You Getting The Most From Your Medicare Coverage?

Attend one of Sonia's Local Meetings
Sonia Ashford is an Independent Insurance Agent in the Medicare field and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.




Thursday, October 13, 2016

Attend one of Sonia's Local Meetings


Sonia Ashford is an Independent Insurance Agent in the Medicare field and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.


Monday, October 10, 2016

Attend One of Sonias Meetings

Sonia's Meetings are ONLY at the IHOP in Euless TX and the Denny's in Euless TX.



Sonia Ashford is an Independent Insurance Agent in the Medicare field and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Tuesday, October 4, 2016

Meet Sonia at the 8TH ANNUAL EMPOWERING SENIORS Health and Lifestyle EXPO for Boomers & Seniors

8TH ANNUAL EMPOWERING SENIORS 

Bedford * FBCE Campus West. October 7th, 9:00 a.m. - 2:00 p.m.

Meet Sonia Ashford at the Care 'N Care Booth!

Visit over 140 exhibitors, attend informative workshops, get professional health screenings, plus free Flu shots with your Medicare card. FREE food, entertainment, door prizes and more!


Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Saturday, October 1, 2016

Make another INFORMED DECISION!


This is your 2017 annual enrollment letter from your local agent, Sonia Ashford! Hopefully you continue to be in the RightFit with your Medicare Advantage Plan (Part C), or Medicare Supplement Insurance Plan (Medigap Plan) &/or Prescription Drug Plan (Part D) for the incoming year. Please note there may be updates to your plan effective January 1, 2017. While many will find they want to let their plan renew automatically, those who choose to enroll in a different plan have from October 15 through December 7, 2016 to do so.

How might you determine YOUR RightFit for 2017 ?!? **

1.READ your 2017 Annual Notice of Change (ANOC) upon receipt. You’ll find:
a.Formulary – list of prescription drugs & their tiers.
b.Changes to benefits and costs.
c.Provider participation which is addressed in general. See #3 below, please.

2.CONFIRM that your prescription medications will continue to be covered.
a.Look up your drugs & their tier levels (formulary, on-line, customer service)
b.Insurance companies may delete &/or add prescription medications.
c.Insurance companies may change the cost share, up or down.

3.TALK with your providers & pharmacists regarding their 2017 plan participation.Many of you will already be in the RightFit for 2017 and no further action is required for your plan to renew automatically. If, however, there are concerns, please reach out. Many of you prefer using email and that is one of the most efficient methods to receive service. However you choose to reach out, please remember to state your concern so that I may prepare before we connect.

For those of you who have complimented my work with referrals, thanks again!!! Your partnership with and support of your local, independent business owner is appreciated!
Wishing health and peace for all,













Sonia Ashford

SeniorHealthTX@gmail.com

http://www.rightfitplans.com/sonia-ashford

http://ashfordinsuranceservices.com/

** 2017 Part C and Part D plan benefits & costs must be available by October 1, 2016.
Agents are refrained from calling current enrollees to encourage plan switching as per
marketing rules with Centers for Medicare & Medicaid Services (CMS).

Friday, September 23, 2016

Medicare Annual Open Enrollment Period is Coming!


Medicare Annual Enrollment Period runs Oct 15-Dec 7
Call Sonia for an appointment now 817-689-3536

Monday, September 12, 2016

Use The Force

Call Sonia 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 Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Thursday, September 8, 2016

Call Sonia & Git 'Er Done!

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 Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Thursday, September 1, 2016

Don't Be A Fool!

817-689-35366
Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency Website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Monday, August 29, 2016

Don’t Get Divorced over Medicare Advantage Vs Supplement!


Different people have different health needs. It is not uncommon for one spouse to have Medicare Advantage and one to take a Medicare Supplement. In Texas call Sonia to intervene and help you with your Medicare decisions, 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 Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Thursday, August 25, 2016

Confused about Medicare in Texas?

Call Sonia @ 8147-689-3536

Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website: http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Thursday, August 11, 2016

Sonia Hobbs Ashford

Sonia Ashford

Sonia Hobbs Ashford was first influenced to pursue a career in the insurance industry by a close family friend who was an agent working in the Medicare insurance field. She went to work for a Property & Casualty company for a short time. Sonia was drawn back to the Medicare insurance field when her Grandmother needed help with her Medicare insurance. She found it was a rewarding experience just how much she was able to help her grandmother with her healthcare. Sonia has since had the joy of helping many clients with their Medicare insurance healthcare needs, and looks forward to being able to partner with you.

Sonia has been helping seniors in Texas with their Medicare Insurance now since 2005. She has been married to John Ashford since 1982 and they reside in Bedford Texas. They belong to Gateway Churches’ Southlake Campus. They have six children together, the youngest of which just graduated from Trinity High School in Euless, Texas. They also have nine grandchildren that they love to spoil. In Sonia’s limited spare time she enjoys quilting and crafting. They have several pets at home including freshwater fish along with two dogs, a Brussels Griffon named Tuxedo and a Havanese Shih Tzu named Precious.

Sonia Ashford is considered an Independent Insurance Agent, being able to offer Medicare insurance plans from multiple insurance carriers. She has delivered hundreds of speeches to senior citizens about turning 65, Medicare Advantage and Medicare Supplement Insurance Plans. Sonia has spoken at local small group meetings and to individual consumers in Tarrant, Dallas and surrounding counties. She is a respected and trustworthy agent within the Medicare Insurance industry.


Sonia Ashford is a Founding Member of Ashford Insurance Services, LLC, "Your Local Independent Medicare Insurance Agency". They specialize in Texas Medicare Insurance for seniors including Medicare Advantage Plans and Medicare Supplement Insurance Plans, (sometimes called Medigap or Med-Sup Plans) from some of the top carriers in Texas. They also offer, Life, Cancer, Accident, Hospital Indemnity, Dental, Vision and Final Expense, (Burial) Insurance plans. They are centrally located in Bedford Texas, Tarrant County in the heart of the Dallas / Fort Worth Metroplex also known as the Mid Cities or HEB. Visit Sonia's agency website at http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare insurance decisions. She would love to come visit with you.

Monday, August 8, 2016

You Could Be Auto-Enrolled in a Medicare Advantage Plan?

Yes, you can. Section 1851(c)(3)(A)(ii) of the Social Security Act sets forth a provision of the law where a private Medicare Advantage plan can enroll a person even if the person has not requested such coverage, so long as the person had previously been insured by the plan in either a commercial policy, or a Medicaid plan before they turned 65 or otherwise became eligible to enroll in Medicare. Please be aware of this and contact us to ensure you get enrolled in a plan the is right for you and not auto-enrolled in a plan without your knowledge.

This message brought to you by Sonia Ashford. Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website:http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.




Thursday, August 4, 2016

Medicare ID Numbers will be changing in 2018


Social Security and Medicare beneficiaries have been told NEVER to carry their Social Security card with them to protect themselves from identity theft. But then they are told to ALWAYS carry their Medicare ID card which has their social security number on it? Go figure.

To better protect Medicare beneficiaries, CMS (Centers for Medicare & Medicaid Services) has started an initiative to remove all Social Security numbers from Medicare ID cards and replace it with a Medicare Beneficiary ID (MBI). The new MBI will be randomly generated and contain no personally identifiable information.


New Medicare ID cards with the MBI will be issued to all Medicare beneficiaries beginning early 2018. The switch to a unique ID number will help to reduce Medicare fraud and protect beneficiaries from identity theft.

This message brought to you by Sonia Ashford. Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website:http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Monday, August 1, 2016

Social Security is adding a new step to protect your privacy

Starting in August 2016, Social Security is adding a new step to protect your privacy as a my Social Security user.  This new requirement is the result of an executive order for federal agencies to provide more secure authentication for their online services. Any agency that provides online access to a customer’s personal information must use multifactor authentication.

When you sign in at ssa.gov/myaccount with your username and password, we will ask you to add your text-enabled cell phone number.  The purpose of providing your cell phone number is that, each time you log in to your account with your username and password, we will send you a one-time security code you must also enter to log in successfully to your account.
Each time you sign into your account, you will complete two steps:
  • Step 1:  Enter your username and password.
  • Step 2:  Enter the security code we text to your cell phone (cell phone provider's text message and data rates may apply).
The process of using a one-time security code in addition to a username and password is one form of “multifactor authentication,” which means we are using more than one method to make sure you are the actual owner of your account. 

If you do not have a text-enabled cell phone or you do not wish to provide your cell phone number, you will not be able to access your my Social Security account. 

If you are unable or choose not to use my Social Security, there are other ways you can contact us.  To learn more, please review the Frequently Asked Questions found here.

This message brought to you by Sonia Ashford. Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website :http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Friday, July 22, 2016

Medicare Explained - by Sonia Ashford


The Basics

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). If you or your spouse have worked full time for 10 or more years over a lifetime, you are probably eligible to receive Medicare Part A for free.
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. What Medicare covers is based upon, Federal and state laws, National coverage decisions made by Medicare about whether something is covered, local coverage decisions made by companies in each state that process claims for Medicare. These companies decide whether something is medically necessary and should be covered in their area.
Medicare Part B is available at a monthly rate set annually by Congress ($121.80 in 2016 for incomes $85000.00 or less for an individual). Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services. Some seniors are eligible to receive the medical insurance portion (Part B) free as well, depending on their income and asset levels. For more information, inquire about the Qualified Medicare Beneficiary (QMB), Special Low Income Medicare Beneficiary (SLMB), and Qualifying Individual programs through your county social services office. Remember, in most cases, if you don't sign up for Part B when you are first eligible, you will have to pay a late enrollment penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B, and coverage will start July 1 of that year. Usually, you don't pay a late enrollment penalty if you meet certain conditions that allow you to sign up for Part B during a Special Enrollment Period.
Medicare Part C (Medicare Advantage Plans) are a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMO's), Preferred Provider Organizations (PPO's), Private Fee-for-Service Plans (PFFS's), Special Needs Plans (SNP's), and Medicare Medical Savings Account Plans (MSA's). If you're enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and are not paid for under Original Medicare. Most Medicare Advantage Plans have prescription drug coverage included.
Medicare Part D (prescription drug coverage) adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare.
Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans. Keep in mind, you may owe a late enrollment penalty if you go without a Medicare Prescription Drug Plan (Part D), or without a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage, or without creditable prescription drug coverage for any continuous period of 63 days or more after your Initial Enrollment Period is over.

How Medicare Works

Original Medicare is coverage managed by the federal government. Generally, there is a cost for each service. In most cases, you can go to any doctor, other health care provider, hospital, or other facility that is enrolled in Medicare and is accepting new Medicare patients. With a few exceptions, most prescriptions are not covered in Original Medicare. However, you can add drug coverage by joining a Medicare Prescription Drug Plan (Part D). With Original Medicare you don not need to choose a primary care doctor. In most cases, with Original Medicare, you don't need a referral to see a specialist, but the specialist must be enrolled in Medicare. You may already have employer or union coverage that may pay costs that Original Medicare does not. If not, you may want to buy a Medicare Supplement Insurance (Medigap) policy.

How to sign up for Medicare

If you are receiving Social Security benefits before turning 65, you should automatically receive notification of your enrollment in Medicare shortly before your 65th birthday or your 25th month of disability. Other individuals must apply by calling or visiting their Social Security office to receive Medicare. If you are not yet receiving Social Security or if you have not received a Medicare enrollment notice, you should contact the nearest Social Security office for information. Applications for Medicare can be made during a seven-month period beginning three months prior to the month of your 65th birthday.
It is best to apply during the three months prior to the month of your 65th birthday. If an application is made during that time, your coverage will begin on the first day of your birth month. Applying later will delay the start of your benefits. You may also apply for Medicare during the General Enrollment Period from January 1 through March 31 every year after your 65th birthday. Your coverage then starts July 1 of the year you signed up and you will pay a 10 percent surcharge on the Part B premium for each 12 months you were eligible but not enrolled. If you have limited income and resources, your state may help you pay for Part A, and/or Part B. You may also qualify for Extra Help to pay for your Medicare prescription drug coverage.
If you continue to work after age 65 or your spouse is working and you are covered by an employer group health plan (EGHP), you may want to delay enrollment in Part B of Medicare. Enrolling in Medicare Part B will trigger your open enrollment for Medicare supplement insurance at a time when you do not need supplemental coverage. The penalty for late enrollment in Part B does not apply if you are covered by an EGHP because of your or your spouse's current employment. If you do work after age 65, you may apply for Medicare Part B at any time prior to retirement, but you must apply no later than eight months (the Special Enrollment Period) after your formal retirement in order to avoid paying a premium penalty. Even if your employer offers a retirement health plan, you will want to sign up for Medicare Part A and probably for Medicare Part B when you retire. Most retirement plans assume you are covered under Medicare and will not pay for services that Medicare would have covered. Veterans may be eligible for special medical programs. However, eligibility and benefits are very restrictive and are subject to change. The Department of Veterans Affairs advises veterans to apply for both Parts A and B of Medicare to ensure adequate medical coverage.

How Medicare Pays

The way Medicare pays is, you generally pay a set amount for your health care (deductible) before Medicare pays its share. Then, Medicare pays its share, and you pay your share (coinsurance / copayment) for covered services and supplies. There is no yearly limit for what you pay out-of-pocket. You usually pay a monthly premium for Part B. You generally don't need to file Medicare claims. The law requires providers (like doctors, hospitals, skilled nursing facilities, and home health agencies) and suppliers to file your claims for the covered services and supplies you get.
Medicare pays for only a portion of your hospital and medical bills. As with many private insurance plans, the government expects beneficiaries to pay a share of their bills. Medicare Parts A and B both have deductibles and coinsurance. The deductibles for 2016 are $1288.00 per Benefit Period, for Part A. A benefit period begins the day you are admitted as an inpatient in a hospital or skilled nursing facility (SNF). The benefit period ends when you have not received any inpatient hospital or SNF care for 60 days in a row. Therefore, it is possible to have multiple Part A hospital deductibles in the same year. The Part B deductible is $166.00 per year. Private insurance is available to cover all or part of these out-of-pocket costs. These insurance plans are called Medicare supplements (also called Medigap or Med Sup plans).

Accepting Assignment

Most doctors, providers, and suppliers accept assignment, but you should always check to make sure. Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services. Participating providers have signed an agreement to accept assignment for all Medicare-covered services.
If your doctor, provider, or supplier accepts assignment, your out-of-pocket costs may be less, they agree to charge you only the Medicare deductible and coinsurance amount and usually wait for Medicare to pay its share before asking you to pay your share, and they have to submit your claim directly to Medicare and cannot charge you for submitting the claim.
If your doctor, provider, or supplier does not accept assignment they are "Non-participating" providers and have not signed an agreement to accept assignment for all Medicare-covered services, but they can still choose to accept assignment for individual services.
If your doctor, provider, or supplier does not accept assignment, you may have to pay the entire charge at the time of service. They can also charge you more than the Medicare-approved amount, called "Excess Charges." Excess Charges have a limit called "the limiting charge." The provider can only charge you up to 15% over the amount that non-participating providers are paid. Non-participating providers are paid 95% of the fee schedule amount. The limiting charge applies only to certain Medicare-covered services and doesn't apply to some supplies and durable medical equipment.
Your doctor, provider, or supplier is supposed to submit a claim to Medicare for any Medicare-covered services they provide to you. They cannot charge you for submitting a claim. If they do not submit the Medicare claim once you ask them to, call 1-800-MEDICARE.
In some cases, you might have to submit your own claim to Medicare using Form CMS-1490S to get reimbursed.

Medicare Supplement Insurance

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 Med Sup 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. Some have a zero dollar monthly premium. 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 plans, you must continue to pay your Part A (if any) and part B Medicare premiums.
Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website :http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

Saturday, July 16, 2016

Some of the Products Ashford Insurance Services Offers


Specializing in Medicare Insurance, here is a list of some of the important insurance products Ashford Insurance Services has to offer:

  •     Medicare Supplemental Insurance Plans

  •     Medicare Advantage Plans

  •     Life Insurance

  •     Cancer Insurance 

  •     Hospital Indemnity Insurance Plans

  •     Dental Insurance

  •     Vision Insurance

  •     And More…


Deciphering Medicare plans can be confusing. You may 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. I will ensure they obtain health care coverage that meets their needs and is the right fit plan for them. As always, I offer these services at no cost or obligation.

If you know someone who is retiring or turning 65 that would be interested in receiving information or who might need assistance navigating Medicare health insurance options, please have them call me at 817-689-3536.

Regards,  
Sonia Ashford
817-689-3536
ashfordinsuranceservices.com














Sonia Ashford is an Independent Insurance Agent in the Medicare field, and has delivered hundreds of speeches about turning 65, Medicare Advantage Plans and Medicare Supplement Insurance Plans to consumers in Tarrant, Dallas & surrounding counties. A respected agent within the Medicare Insurance industry, she is the owner of Ashford Insurance Services, LLC. Visit Sonia's agency website : http://ashfordinsuranceservices.com to learn more about how she can help you with your Medicare decisions.

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.