Medicare in Houston: decide calmly, not under pressure
Parts A, B, C, D, Medigap. We sort out your options, compare plans available in your county, and support you through enrollment and every renewal. Bilingual English/Spanish service available.
or call us: +1 (281) 815-5895
Advantage vs. Medigap, no bias
We show you the real difference in cost, doctor freedom, and travel coverage, so you can decide with confidence.
Part D reviewed against your prescriptions
We compare the annual cost of your medications, not just the plan's monthly premium.
Enrollment on time
We help you avoid late-enrollment penalties and take advantage of special periods when they apply.
When should I enroll in Medicare?
Your initial enrollment period spans three months before you turn 65, your birthday month, and three months after. If you're still working with employer coverage, it may be better to wait — we review this with you so you avoid penalties.
- Initial enrollment period when you turn 65
- Special enrollment period if you leave employer coverage
- Annual open enrollment: October 15 to December 7
- Medicare Advantage change period: January 1 to March 31
What we review in your consultation
A 20-minute call is usually enough to get clarity.
- Your current doctors and whether they're in the plan's network
- Your medications and their tier in the formulary
- How much you travel or spend time outside Texas
- Your monthly budget and tolerance for unexpected costs
What clients ask us most
Is Medicare free?
Part A usually has no premium if you worked 40 quarters, but Part B has a standard monthly premium. Advantage, Medigap, and Part D plans carry additional costs that we review with you.
Can I have Medicare and Medicaid at the same time?
Yes. If you qualify for both (dual eligibility), special plans with extra benefits are available. We check your eligibility and explain your options.
Do you serve me in English or Spanish?
Both. The entire Agency RL INSURANCE team serves clients in English and Spanish, by phone, WhatsApp, or at our Katy office.
We work with the leading insurance carriers
As an independent agency, we compare plans from 19+ carriers to find your best option.
- Aetna
- Ambetter
Blue Cross Blue Shield of Texas- Cigna
Community Health Choice- CHRISTUS Health Plan
- Devoted Health
Humana- KelseyCare
Molina Healthcare
Oscar Health- UnitedHealthcare
Wellpoint
Ameritas- Mutual of Omaha
F&G Annuities & Life
Quility
GEICO
Progressive
Tell us what you need and an advisor will call you
Free, no obligation. We reply within 24 business hours.
Want to review it together this week?
Message us on WhatsApp and in a few minutes you'll know your options. Free, no obligation, in English or Spanish.