Ashford Insurance Services, LLC specialize in Texas Medicare Insurance for Seniors. We offer Medicare Supplement (Medigap or Medsup), Medicare Advantage, Life, Cancer, Short Term medical, Hospital Indemnity Accident, and Funeral Expense Insurance Plans.
Medicare Advantage plans are very popular because they have low premiums and low co-pays for doctor visits. However, hospital costs could add up fast. In the last few years we’ve seen hospital co-pays rise dramatically. In D/FW the advantage plans average hospital co-pays are $250 per day, so a week in the hospital would cost you as much as $1,734.
With that in mind, I’m offering the GTL Hospital Indemnity plan. The purpose of this plan is to pay your hospital co-pays should you be admitted to the hospital. With this plan, a hospital stay of any length won’t cost you a penny!
The GTL plan is not guaranteed issue and not subject to any Medicare enrollment restrictions. You can enroll any time, but there are some medical questions you must be able to answer “no.” For example, if you’ve been in the hospital recently, you must have been out for 12 months or more. If you know you are going in the hospital soon, they won’t accept you, so you must purchase this plan before you need it. There is a one-time $20 application fee (one per couple) and premiums can only be made monthly by drafting your checking account.
The premiums for this plan usually range from $25 to $40 per month, based on your age.