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Review Your Insurance Options

I'll help you find the right plan for your needs.

I'VE GOT YOU COVERED!

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Let me be the resource that you depend on

year after year for help with your insurance needs.

 

Specializing in Medicare Education and Enrollment for the Permian Basin and all of Texas.

 

NOT A GOVERNMENT WEBSITE.

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Medicare Supplements

A Medicare Supplement (Medigap) plan is private insurance that provides coverage above what is paid by Medicare A and B. A Supplement covers expenses such as copayments, coinsurance, and deductibles.

 

Medicare Supplement plans provide an insured with the flexibility of obtaining care from any U.S. provider that accepts Medicare. Some Supplement plans even cover excess charges (amount billed above Medicare assignment). 

 

A Part D plan must be added to provide prescription coverage.

 

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Medicare Advantage

An Advantage plan (Medicare Part C) is private insurance that replaces original Medicare A and B. It  provides coverage and benefits beyond what is offered by original Medicare, generally with little or no additional cost above Part B premium. Part D prescription drug coverage, as well as dental, vision, and other perks, are generally included.

 

Medicare Advantage plans utilize networks (list of providers) that must be used to minimize your out-of-pocket cost. Check to confirm that your providers and prescription drugs are covered prior to enrolling in a plan.

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Medicare Part D

Part D is Medicare's prescription drug program. This coverage is obtained from a private insurance plan that conforms to Medicare guidelines. Part D covers both brand-name and generic prescription drugs utilizing a formulary (designated list of prescription drugs covered under the plan).

 

Prior to enrolling in a Part D plan, it is important to review the plan's formulary to ensure that your prescriptions are covered. Unless a doctor's appeal is approved by the Part D plan, you may have to pay the entire cost for non-formulary drugs.

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Dental and Vision Insurance

Dental and vision insurance can help reduce out-of-pocket expenses. Click on the button below to learn more about Ameritas Dental and Vision coverage.

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Individual and Family Health Insurance

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

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Term Life Insurance

Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.

 

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Medicare Education

Click here to watch a 5 part video series on all you need to know about Medicare.  My partner Ron Hunn will explain what is Medicare, When and How to Enroll, and your choices when it comes to chosing a plan.

COMPARE YOUR
MEDICARE PLAN COSTS

Not a government website.

 

ABOUT ME

Your Trusted Insurance Professional

When it comes to insurance, I know that making the right choices for you and your family can be daunting. To help you make the right decision I take a common sense approach – I ask questions, listen to your answers and recommend the type of policies that will fit your particular needs.

 

I specialize in Medicare education and enrollment for Midland, Odessa, and surrounding areas. However, as a Texas licensed agent, I can serve anyone in the state with answers for their Medicare needs.

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Any Questions?

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