ASHIL INSURANCE                           (817) 642-9883

Affordable Health and Visitor Medical Insurance

Medicare Supplement Insurance for Seniors

Medicare is a federal health insurance program. It pays for much of your health care but not all of it; such costs could be prescription drugs, deductibles, and coinsurance.
Ashil Insurance is not connected with or endorsed by the United States Government or the federal Medicare program.

Medicare Supplemental Insurance (Medigap) is a health insurance policy sold by private heath insurance companies to fill the "gaps" in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn't cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay their shares of covered healthcare costs.

Insurance companies can only sell you a standardized Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily.

You may be able to choose from several different standardized Medigap policies. Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as Medicare Supplement Insurance.

It is important to compare Medigap policies because costs can vary. The basic benefits in any Medigap Plan A through D, F, G, K, L, M, and N are the same for any insurance company. Each plan has a different set of extra benefits. Each insurance company decides which Medigap policies it wants to sell.

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.

You and your spouse must each buy separate Medigap policies. Your Medigap policy will not cover any health care costs for your spouse.

For additional information on Medicare Supplement policies, including why you would want to buy one and what they cover, please visit Medicare's website at

For more information, please contact us.