Turning 65? Medicare doesn't have to be confusing.
You're Not Alone—Most People Are Overwhelmed.
Turning 65 means making critical Medicare decisions in a short window. Choose wrong and you could face penalties, lose your doctors, or pay thousands more than necessary. We've guided Texas seniors through this process for 30+ years—and we'll make it simple for you.
Feeling Confused About Medicare?
- Not sure when to sign up or worried about missing deadlines
- Overwhelmed by Medicare Advantage vs Supplement decision
- Scared of making a mistake that costs you thousands
- Worried about keeping your current doctors
- Getting conflicting advice from friends and family
- Dealing with aggressive sales calls and mail
Expert Help Is Free
One-on-one guidance for your situation
Medicare Advantage, Supplement, Part D
Licensed Texas Medicare specialist
Why Act Now:
- • Avoid late enrollment penalties
- • Don't miss your enrollment window
- • Plans fill up during busy season
- • Get answers before deadline stress
We're paid by insurance companies, not you
Why Medicare is so confusing
Too Many Parts: A, B, C, D, G, N...
Medicare has multiple parts (A, B, C, D), plus Supplement plans (like G and N), plus various Medicare Advantage options. It's alphabet soup designed to confuse you.
Every State Is Different
Plans available in Texas aren't available in other states. Advice from your friend in Florida doesn't apply here. You need Texas-specific guidance.
Short Enrollment Windows
Your Initial Enrollment Period is only 7 months. Miss it and you face late penalties FOREVER. The pressure to decide quickly makes everything worse.
Aggressive Marketing
Sales people bombard you with calls and mail. Everyone claims their plan is "the best." It's impossible to know who to trust or what's actually right for YOU.
The Good News
Once you understand the basics and work with someone you trust, Medicare decisions become straightforward. We simplify everything.
How we make Medicare simple
Our proven 4-step process takes the confusion out of Medicare
Understand Your Situation
We ask about your health, doctors, medications, and budget. No two people are the same—your Medicare plan should match YOUR needs, not a generic recommendation.
What we cover: Your current doctors, prescription medications, health conditions, budget concerns, and what matters most to you.
Explain Your Options in Plain English
We break down Medicare Advantage vs Supplement vs Part D—no jargon, no pressure. You'll understand what each option covers, what it costs, and what fits your lifestyle.
You'll learn: The real differences between plans, what each costs monthly AND annually, which plans include your doctors, and which drugs are covered.
Compare Plans Side-by-Side
We show you 2-3 plans that fit your needs. You'll see exactly what each covers, what you'll pay, and which doctors and drugs are included. We make comparison easy.
No surprises: We calculate total costs (premiums + deductibles + copays) so you know your maximum annual spend for each option.
Enroll You Correctly
Once you choose your plan, we handle all the paperwork. We make sure everything is submitted correctly, on time, and you're protected from day one of your Medicare eligibility.
The 3 key Medicare decisions
1 Medicare Advantage or Medicare Supplement?
Medicare Advantage
- Lower monthly premiums ($0-100/month)
- Often includes dental, vision, hearing
- Network restrictions (HMO/PPO)
- Referrals may be required
Best for: People who want lower premiums and are okay with network restrictions
Medicare Supplement (Medigap)
- See any doctor who accepts Medicare
- No referrals needed
- Higher premiums ($100-300/month)
- Need separate Part D for drugs
Best for: People who want doctor flexibility and predictable costs
2 Which Plan Level?
If you choose Medicare Supplement, you'll pick a lettered plan (G, N, etc.). Each covers different gaps.
| Plan | Monthly Premium | Best For |
|---|---|---|
| Plan G | $150-250 | Maximum coverage, only pay Part B deductible ($240/year) |
| Plan N | $100-180 | Lower premium, small copays at doctor visits |
| High-Deductible G | $50-80 | Lowest premium, $2,800 deductible before coverage kicks in |
We help you calculate which level saves you the most based on your expected medical usage.
3 Which Part D Prescription Drug Plan?
Part D plans vary wildly in which drugs they cover and at what cost. The "wrong" Part D plan can cost you $1,000+ extra per year.
We enter your prescriptions into the Medicare Plan Finder to show you:
- Which plans cover ALL your medications
- Your total annual drug costs for each plan
- Which pharmacies are in-network
- If you'll hit the "donut hole" coverage gap
Your Medicare timeline
Here's when to do what (we'll remind you every step)
Start Learning & Shopping
Your Initial Enrollment Period starts. Contact us to begin your consultation and compare plans.
Finalize Your Decision
Choose your plan. Sign up for Part B through Social Security if you haven't already. Enroll in your chosen Supplement or Advantage plan.
Last Chance Window
Enrollment period ends. After this, you'll face late penalties and wait until Annual Enrollment to get coverage.
Coverage Starts
Your Medicare and supplemental coverage begin. You can start using your benefits.
Don't Wait Until the Last Minute!
Enrollment takes time, and October-December is busy season. Start 3-6 months early for the best selection and no stress.
Let's make your Medicare decision simple
Free consultation, no pressure, just honest guidance from a 30+ year Medicare expert
Licensed Texas Medicare agent Larry Fisackerly has been helping people since before Medicare Part D existed. You're in good hands.
