Reach a person, not a portal. 

Very often, no. Group plans renew on their own anniversary date rather than 1 January, Medicare has multiple election periods through the year, and qualifying life events — marriage, a new baby, losing employer coverage, moving — open a special enrollment window. This is the single most common misconception we correct, and it costs Texans real money every year.

Nothing. Insurance carriers pay licensed agents a commission that is already built into the premium whether you use an agent or not. Buying direct from the carrier does not make the policy cheaper — it just means nobody is in your corner when there is a claim problem.

Smaller than most owners expect. We specialise in the small to mid-sized market and regularly build plans for groups in the low single digits of enrolled employees, including family partnerships and newly formed LLCs relocating to Texas.

A Medicare Supplement (Medigap) sits alongside Original Medicare and pays the copays, coinsurance and deductibles Medicare leaves behind. Medicare Advantage replaces the way you receive Medicare — a private plan that must cover everything Original Medicare does, usually with a network, and often with drug, dental and vision extras. Neither is universally better; it depends on your doctors, your prescriptions and your travel.

Yes, and we do it regularly. Out-of-state owners forming a Texas entity have specific carrier requirements around eligibility and participation. We have taken LLCs from out-of-state to fully enrolled Texas group coverage without a gap in care.

No. Any request made through this website is not considered legally bound unless you receive a confirmation from our agency or directly from your insurance carrier.