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No one can predict the future but we can protect it.
We are here when you need us.
Your health is your wealth.
Health Insurance is our business.
Guiding you safely there.
Security for the Unexpected.
Giving you options and security.
Your journey Our Care.
Life is not predictable but insurance can be.
Advocacy and Affordability.
No one can predict the future but we can protect it.
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seniors to find and enroll in the best health plan for their needs.
Licensed Brokers
We are licensed health insurance brokers. We are the best insurance you can find with peace of mind.
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We help individuals and families, self- employed & seniors find and enroll in best health plan for their needs.
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We offer a free consultation via phone, skype or face to face. We always try our best to ease out our clients.
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We service individual health and medicare clients Wood- lands, Conroe, Magnolia, Waller, surrounding counties.
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Frequently Asked Questions
How much do you charge to help me?
Do I have to take Medicare Part B and pay the premium?
I don’t take any medications and don’t need the coverage. Do I really need to sign up for Part D? What happens if I don’t?
work acceptable to Medicare, you will face a Late Enrollment Penalty when you finally do sign up later.The good news is that there are usually relatively inexpensive plans available for situations like this.Another way to satisfy this need is to find a Medicare Advantage plan (that your DR accepts) that includes Part D coverage within the plan structure.
My income is low and I cannot afford Part B of Medicare. What do I do?
If you are having trouble paying your Part B premium, you might consider checking with your state’s Medicaid program to see if you qualify for additional support.
I am turning 65 next month, am covered by an ACA policy, and am being treated for several conditions. Will I be covered?
Note: One item you do want to pay close attention to is the type of coverage you choose. There are generally two options: Medicare supplement and Medicare Advantage. It is important you understand fully how each works so you can choose the right type of plan for you.
How much does Part A cost?
My 65th birthday is coming up but I am planning to work a few more years. Do I have to sign up for Medicare or can I just stay on the company plan?
I am turning 65 next month, am covered by an ACA policy, and am being treated for several conditions. Will I be covered?
Absolutely nothing! There is never a charge or any obligation to use our services. They are free.
How much does Part A cost?
Absolutely nothing! There is never a charge or any obligation to use our services. They are free.
Will I have to change Doctors?
How can a Medicare Advantage plan premium be $0 and be any good?
Medicare Advantage plans are very popular and offer excellent coverage. They are not free...even the $0 versions! The taxes you paid all those years helped to fund these programs. In addition to payments from the federal government, your Part B premium is paid to the carrier providing your plan. So, while the plan may be $0 (or a low amount) to you, they are not free!
Can I travel with my plan?
How do I get drug coverage?
add or adjust Medicare Part D drug coverage is when you first turn 65 (or otherwise become eligible for Medicare), during the Annual Election Period that occurs each year from October 15- December 7th, and at certain other times during the year when you qualify for a Special Election Period (SEP). Contact us with additional questions or a free assessment.
I take very expensive medications and it really eats into my monthly budget. What can I do?
I heard I can get my $144 Part B premium back. What is that about?
Absolutely nothing! There is never a charge or any obligation to use our services. They are free.
I heard Medicare covers Long Term Care, is this true?
I am a veteran and use the VA, but I also have Medicare. Do I have additional options?
I have heard you can be fined by Medicare if you don’t sign up right away. Is this true?
So, as long as you are covered by a creditable plan, it is perfectly fine to delay PartsB and/or D of Medicare until you are either dropped from the Employer plan or decide to retire.When assessed, The Part B premium is 10% of the premium for each year you did not have Part B and were not otherwise covered. The Part D penalty is 1% of a benchmark premium for every month you did not have coverage without creditable coverage. These penalties remain in place for as long as you are in the program.