FREQUENTLY ASKED QUESTIONS

How Do You Make Money?

MY SERVICES ARE ALL FOR ABSOLUTELY ZERO COST TO YOU! If you decide to allow us to assist you and you enroll you in a plan, that insurance company will pay us a commission for our service in helping you by educate seniors on Medicare and enrolling them in a Medicare plan that best fits your needs.  This allows us to feed our families and continue to be a free resource within the local community.

Is It More Expensive to Buy Insurance Through You?

Absolutely not and we work for you, not the insurance carriers. You pay the same whether you enroll through us, a telemarketer or if you call the insurance company directly or Medicare directly. The difference is by enrolling through us, you have a dedicated person you can call directly to assist with plan questions, benefit questions, doctor lookup... you personal concierge.  

How Are You Different From All The Other Companies?

We take the legwork and frustrations from you calling multiple companies for plan details.  We work for you not the insurance companies to ensure you select a plan that best fits your financial and health needs. One Call, Shop and Compare Concierge Service! 

Medicare Basics

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Who is eligible for Medicare?

Generally, individuals 65 and older who have worked in Medicare-covered employment for at least 10 years (40 quarters) or their spouse, or people under 65 with certain disabilities or end-stage renal disease (ESRD).

When should I enroll in Medicare?

You can usually enroll during your Initial Enrollment Period, which starts three months before your 65th birthday and ends three months after.  If you are already receiving Social Security benefits prior to 65, you will automatically receive your Medicare card 3 months prior to turning 65. There may be additional considerations for people who have employer coverage.

What are the different parts of Medicare?

 It has different parts, including Part A (hospital insurance), Part B (medical insurance), and Part D (prescription drug coverage). Medicare Advantage plans (Part C) are also an option, offering bundled coverage of Parts A, B, and often Part D, plus extra benefits like vision, hearing, and dental. 

How do I choose between Original Medicare and Medicare Advantage?

Everyone situation is different and we advise completion of intake form so we can do a Benefits Review to advise of you of pros and cons for each so you can make an informed and educated decision between Original Medicare and Medicare Advantage.

What is the cost of Medicare?

Medicare costs vary depending on the specific parts of the program and individual circumstances. Generally, most people don't pay a premium for Medicare Part A (hospital insurance), but they may have a deductible for each benefit period. The standard Part B (medical insurance) premium is $185 per month for most beneficiaries in 2025, with some higher earners paying more. Part C (Medicare Advantage) and Part D (prescription drug coverage) costs vary significantly based on the specific plan chosen

What does Medicare cover?

Medicare primarily covers medically necessary services and supplies in hospitals, doctors' offices, and other healthcare settings.

Medicaid

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What’s the difference between Medicare and Medicaid?

Medicare is federal health insurance for people 65 or older, and some people under 65 with certain disabilities or conditions. Because it’s a federal program, Medicare has set standards for costs and coverage. This means a person’s Medicare coverage will be the same no matter what state they live in.

Medicaid is a joint federal and state program that helps cover medical costs for some people with limited income and resources. The federal government has general rules that all state Medicaid programs must follow, but each state runs its own program. This means eligibility requirements and benefits can vary from state to state.

What are the different types of Texas Medicaid programs?

STAR+PLUS: A managed care program that provides healthcare and long-term services and supports to adults with disabilities and elderly individuals.Medicaid Waivers: These programs allow individuals to receive certain long-term care services in their homes instead of a nursing facility.Texas Medicaid for Breast and Cervical Cancer: A program for women with breast and cervical cancer.Traditional Medicaid: Provides healthcare and long-term services to those who qualify for Medicaid. 

How do I apply for Texas Medicaid?

You contact your County Health and Human Services Office and learn about eligibility and apply through your local HHSC office. You can also apply online through YourTexasBenefits.com.  We offer assistance for our clients needing help applying or reapplying annually.

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This is an Advertisement. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. The Agent does not represent The Government, Medicare or Medicaid and may be compensated based on your enrollment. The agent is licensed and contracted to enroll Medicare Beneficiaries into Medicare Advantage Plans, Prescription Drug Plans and/or Medicare Supplements currently appointed by. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. © 2025 Concierge Insurance Services - All Rights Reserved