
Lone Star State Medicare Guidance
Independent Medicare broker helping Texas residents avoid costly mistakes and find the right coverage.
Medicare Doesn't Have to Be Overwhelming
Turning 65 or retiring soon? You're not alone in feeling confused about Medicare. With Parts A, B, C, D, Medigap, and Medicare Advantage options, plus enrollment deadlines and penalty risks, it's easy to feel lost.
As licensed, independent Medicare brokers, we specialize in making Medicare simple for Texas residents. We'll help you understand your options, avoid penalties, and choose coverage that fits your health needs, budget, and preferred doctors.
Your Local Medicare Experts
Independent & Unbiased - We work with major insurance companies to find YOU the best fit
No Cost to You - Our services are completely free to Texas residents
Licensed Professionals - Certified Medicare brokers with 3+ years of experience
Penalty Prevention - We'll help you avoid costly late enrollment penalties
Doctor & Medication Focus - Plans based on YOUR preferred providers and prescriptions
When Should You Start Planning?
We recommend starting your Medicare preparations at least 3 months before you turn 65, but it's never too early. Early planning helps you:
Address income levels that may trigger higher Medicare premiums
Coordinate with employer coverage or HSAs
Avoid rushed decisions that could limit your options
Prevent lifetime penalties that stick with you forever
Whether you're planning ahead, retiring soon, or reviewing your current coverage, we'll guide you every step of the way.

Ready to Get Started?
If you understand your benefits, you will maximize your care.
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Get Answers to Your Medicare Questions
Still have questions? Our Medicare Knowledge Base features detailed articles with videos covering the most common Medicare questions!
Browse Topics Like:
Medicare enrollment deadlines and penalties
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And 8 more essential Medicare topics