Plain-language guide to what we can help you with.
Descriptions below are general education. The details of any specific plan, including costs, networks, and drug coverage, come from that plan's official materials. We represent a limited set of carriers and plans.
Three ways to cover the gaps in Original Medicare.
Original Medicare (Parts A and B) covers a lot but leaves you responsible for the rest. These are the main ways people fill that in.
Medicare Advantage
Private plans that bundle hospital and medical coverage, usually with drug coverage and often with extras like dental, vision, or hearing. Premiums are often low, and there is an annual out-of-pocket maximum.
Good fit when
- Your doctors are in the plan's network
- You want one card and one plan
- Extras like dental matter to you
Check first
- Network and service area
- Your prescriptions on the formulary
- Referral and prior-authorization rules
Medicare Supplement
Plans that work alongside Original Medicare and help pay the share of costs Medicare leaves to you. Any provider that accepts Medicare accepts a Medigap plan. Pairs with a separate Part D drug plan.
Good fit when
- You travel or split time between states
- You want predictable costs
- You prefer no networks or referrals
Check first
- Monthly premium and how it rises
- Your Medigap open-enrollment window
- You will still need Part D
Prescription drug plans
Standalone drug coverage for people on Original Medicare, with or without a Medigap plan. The right plan depends almost entirely on your specific prescription list and pharmacy.
Good fit when
- You have Original Medicare or Medigap
- You take regular prescriptions
- You want to avoid a late-enrollment penalty
Check first
- Each drug's tier and cost
- Preferred pharmacies
- Whether it re-prices next year
When you can enroll matters as much as what you choose.
These are the windows most people run into. Special circumstances (leaving employer coverage, moving, losing a plan) open others. An agent can tell you exactly which apply to you.
Starts 3 months before your birthday month and ends 3 months after. Your first chance to enroll in Medicare and choose coverage.
Once, at 65 or older, you can buy any Medigap plan sold in Texas without health questions. After this, carriers can ask.
Each year, join, switch, or drop a Medicare Advantage or Part D plan for coverage starting January 1.
If you are already on a Medicare Advantage plan, one chance to switch plans or go back to Original Medicare.
Health coverage when you buy your own.
For the self-employed, people between jobs, early retirees, and anyone without employer coverage.
Marketplace and individual plans
Plans on the ACA marketplace and, where appropriate, off-marketplace options. Depending on household income, premium subsidies can substantially lower the monthly cost, so we start by checking whether you qualify.
Good fit when
- You have no employer coverage
- Income may qualify you for subsidies
- You need coverage for a family
Check first
- Open enrollment starts November 1; special windows apply after job loss or a move
- Deductible versus premium trade-off
- Your doctors in the network
Sized to what your family would actually need.
Life insurance is easy to over-buy and easy to skip. We start from your obligations, not a sales target.
Two kinds, two jobs
Term covers a defined period, such as the years of a mortgage or until children are grown, at the lowest cost per dollar of coverage. Permanent lasts a lifetime and builds cash value, at a higher premium. Many families use term for the big years and a small permanent policy for final expenses.
Good fit when
- Someone depends on your income
- You have a mortgage or debts
- You want final expenses covered
Check first
- How much and for how long
- Health questions or an exam
- Whether work coverage ends with the job
Not sure which of these applies to you?
That is the normal starting point. Tell us your situation and a licensed agent will narrow it down.
No cost, no obligation. Monday to Friday, 8am to 6pm CT.