Frequently asked questions |

Q: My plan denied something. Can that be fixed?

Often, and usually without waiting for the fall. I have Medicare now, but I need help →

We thought about building one of these.

The trouble is that most of the real questions have answers that change — premiums, brackets, deadlines, what a particular plan covers next year. A page like this goes stale within months, and a stale answer is worse than no answer, because you’d have no way of knowing which one you were reading.

So instead: here’s what people actually ask us. The questions don’t change. The answers do.

What people call about

Am I going to be penalized?

Usually the fear is worse than the facts. Whether it applies to you depends on what coverage you’ve had, not on your age.

Do I have to sign up at 65?

Not always. It depends on whether a job is still covering you.

I’m retiring — what do I do first, and when?

There’s a sequence, and some of it can only be done before your last day.

I’m past 65 and still working. Should I do anything?

Often no. But a few things change quietly, and they’re worth rechecking.

Supplement or Advantage — which is better?

Neither. They’re different trade-offs, and the right one depends on how you want to receive care.

My plan denied something. Can that be fixed?

Often, and usually without waiting for the fall.

Can I afford this?

There are programs a lot of people qualify for and never apply to. Worth asking.

What does it cost to work with you?

Nothing. We’re paid by the insurance companies, not by you, and that’s true whichever plan you end up with.

And the rest

Everything else is specific to you — your doctors, your prescriptions, your employer, your income, your household. Those aren’t frequently asked questions. They’re your questions, and they deserve an actual answer rather than a general one.

Call us at 281-894-7540. If we don’t know, we’ll tell you that, and then we’ll find out.

Not connected with or endorsed by the United States government or the federal Medicare program.

Real Clients. Real Help.

Linda L.- Magnolia, Texas

“Just wanted to let everyone know how great you were I needed to change my Medicare health insurance and he went the extra mile for me I would highly recommend him.”

Mark H.- Magnolia, Texas

“Justin is genuinely committed to doing the right thing. He’s honest and has proposed what makes sense for me and my business partner. ”

B.F.- Houston, Texas

“Justin cares for his clients. He took the time to find out my needs & concerns. As a result found exactly what I wanted. I would recommend him to anyone.”

Call Us 281-894-7540

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Frequently asked questions