Texas Medicare Broker — Licensed, Independent, and Here to Help

We're licensed to serve Medicare and health insurance clients across Texas, and we work with residents in Houston, Dallas, Austin, San Antonio, and everywhere in between. Every appointment is held by Zoom, so you get the same careful, unhurried guidance no matter where in Texas you're located.

What It Means to Work with an Independent Broker in Texas

Texas has one of the largest Medicare populations in the country, and the plan options available here reflect that. Medicare Advantage plans in Texas vary significantly by county, network, and benefit structure. Medicare Supplement plans follow federal standardization but carry different premiums and underwriting rules depending on the carrier and your health history. Navigating that on your own takes time most people don't have — and mistakes made during enrollment periods can be difficult to undo.

As an independent broker, we're appointed with multiple carriers. That means we compare plans across the market and recommend the one that fits your situation — not the one that pays us the most. If your current coverage is already the right fit, we'll tell you that too.

Medicare Plans Available to Texas Residents

Texas residents approaching 65, already enrolled in Medicare, or qualifying through disability have access to the full range of Medicare coverage options. Here's what we help with:

• Medicare Advantage(Part C): All-in-one plans that bundle hospital, medical, and often prescription drug coverage. Plan availability and networks vary by county across Texas.
• Medicare Supplement(Medigap): Standardized plans that cover costs Original Medicare leaves behind — deductibles, coinsurance, and copays. Premiums differ by carrier and location.
• Medicare Part D: Standalone prescription drug plans for those in Original Medicare or a drug-free Advantage plan. Formularies vary, so matching your medications to the right plan matters.
• New-to-Medicare enrollment guidance: If you're turning 65 or recently became eligible through disability, we walk you through your Initial Enrollment Period, what to sign up for, and when.

A Closer Look at Texas Medicare Supplement Rules

Texas follows federal Medigap guidelines for guaranteed-issue rights — meaning there are specific windows when carriers must accept your application regardless of health history. Outside of those windows, most carriers in Texas use medical underwriting, which means your health history can affect your eligibility or premium. Knowing when you have guaranteed-issue protection and when you don't is one of the most important things to understand before you apply.

Medigap Underwriting in Texas

Texas follows federal Medigap guidelines for guaranteed-issue rights — meaning there are specific windows when carriers must accept your application regardless of health history. Outside of those windows, most carriers in Texas use medical underwriting, which means your health history can affect your eligibility or premium. Knowing when you have guaranteed-issue protection and when you don't is one of the most important things to understand before you apply.

Medicare Supplement Under 65 in Texas

Texas is one of a smaller group of states that requires carriers to offer at least some Medigap plans to Medicare beneficiaries under 65 who qualify through disability. The options are more limited than what's available at 65, and premiums are typically higher — but coverage exists, and it's worth reviewing what's available to you. If you're under 65 and on Medicare in Texas, we can help you understand what you qualify for and what it would cost.

Texas Medicare Advantage — What to Know Before You Enroll

If you spend time in both Texas and another state — or if you're considering a move — network coverage becomes an important factor. Most Medicare Advantage plans are built around local or regional networks, which can affect your access to care when you're away from home. We help you think through how your travel habits or relocation plans should factor into your plan choice.

Plan Availability Varies by County

Texas is a large state with significant variation in Medicare Advantage plan availability from one county to the next. Urban areas like Houston, Dallas, and Austin typically have more plan options and broader networks. Rural counties may have fewer plans and more limited provider access. We look at what's actually available where you live — not just what's available statewide — before making any recommendation.

Networks and Out-of-State Coverage

If you spend time in both Texas and another state — or if you're considering a move — network coverage becomes an important factor. Most Medicare Advantage plans are built around local or regional networks, which can affect your access to care when you're away from home. We help you think through how your travel habits or relocation plans should factor into your plan choice.

Prescription Drug Coverage in Texas Plans

Many Medicare Advantage plans in Texas include Part D drug coverage built in. But "included" doesn't mean "right for you." Formularies — the list of covered drugs — vary from plan to plan, and the tier your medications fall on affects what you'll pay at the pharmacy. We check your specific prescriptions against each plan's formulary before recommending anything.

Moving Between Texas and Arizona

If you're relocating from Texas to Arizona, or splitting time between both states, your Medicare coverage may need to change. Medicare Supplement plans travel with you anywhere in the country that accepts Medicare, so those typically require less adjustment. Medicare Advantage plans, however, are tied to your plan's service area — and a permanent move to Arizona usually triggers a Special Enrollment Period that lets you switch plans.

We're licensed in both Texas and Arizona, which means we can help you think through the coverage implications of your move before it happens — not after you've already lost access to your doctors.