Medicare Advice Center

Your Medicare Recommendation

Answer a few simple questions and we’ll build a health care profile to show you which Medicare solutions best fit your needs. .
Call us for a quote or questions regarding Medicare Supplement Plans at 713-369-0997

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Before we start

This tool will help build a personalized profile of your Medicare health care needs. The questions in the tool are designed to understand what’s most important to you. Before you begin, know that:

There are only 7 questions and your profile should only take a few minutes to complete.
There are no wrong answers
Our questions will cover 7 different aspects of Medicare coverage and we’ll ask you to rate their importance to you
We’ll make a plan recommendation based on your profile; you can compare your profile with other plans as well.

Questions

Doctor Choice - Question 1 of 7

Your Medicare Recommendation Question 1 of 7

Answer a few simple questions and we'll build a health care profile to show you which Medicare solutions best fit your needs.

Note: Most Medicare Advantage plans are affiliated with specific health provider networks, you will be limited to doctors and providers in these plans.
Note: Medicare supplement plans let you go to any doctor or provider that accepts Medicare patients.

How important is it to you that you get to choose your own Doctors? *

I live in an area where Medicare Advantage networks are limited, I need a plan with no network limitations.

It's important to me. I like choosing my own doctors.

I’m pretty flexible, choice would be nice but if the network is large enough I wouldn’t mind choosing from a network.

If it means a lower monthly premium, I am ok with network restrictions.

Managed Care Question 2 of 7

Do you mind getting a referral for a specialist if it means a lower monthly premium? *

I like to be in control. I want to see the type of doctor I want when I want without the complexity of getting a referral.

Either way is fine. This isn't important to me.

I don't mind getting a referral first.

Domestic Travel Question 3 of 7

Notes About Domestic Travel Options

-Because most Medicare Advantage plans revolve around a provider network, you may not be covered for routine visits while traveling domestically.
-Medicare Supplement insurance plans don’t have networks allowing you to see doctors around the country as long as they accept Medicare.
- Both plans have protection for urgent and emergency care.

How important is it to have access to non-emergency, out-of-state care while traveling within the United States? *

This is very important. I travel often or have a second home.

Slightly important. I visit family and friends on a regular basis and for longer periods of time and would like the peace of mind knowing I can see a doctor if need be.

I'm indifferent. I travel fairly regularly, but not for long periods of time where I feel I would need to see a doctor.

Non-emergency out-of-state care is not important to me at all. I very rarely travel far.

Yearly Maximums Question 4 of 7

Notes on yearly Maximums

- Which plan you choose and how often you use it will determine the amount and timing of premium payments and out of pocket expenses.
- Medicare Advantage plans have low or no monthly premiums, but higher out-of-pocket costs when you see doctors or have hospital stays (the average out-of-pocket limit for Medicare Advantage is $7,550 in 2021**).
- Medicare supplement insurance plans have higher monthly premiums, with lower out-of-pocket costs when you see doctors or have hospital stays (the average Medicare supplement insurance premium in 2020 was $1,408*).

How often do you plan to use your plan benefits? *

I prefer paying up front. I take comfort in having a predictable, set monthly premium amount with little out-of-pocket expenses for services, helping to eliminate surprise costs throughout the year.

I would like lower monthly premiums but would like to be prepared in case a costly medical service is needed

I prefer paying for services as I go and feel comfortable with paying for things out-of-pocket until I reach my plan’s maximum out-of-pocket limit.

Monthly Premiums Question 5 of 7

Premiums are the price you pay each month for coverage.

Generally, the higher premium you pay each month for Medicare coverage, the less you pay for out-of-pocket costs such as copays, coinsurance and deductibles.
Some people enjoy the predictability that comes from paying for coverage up front and not having to worry about surprise out-of-pocket expenses.
Others prefer to pay little or no premium each month but know that they may incur out-of-pocket expenses depending on what health care needs they have.
Some plans keep your premium and copays low by keeping you in network to save on costs. This can sometimes mean higher coinsurance, deductibles and yearly maximums.

What's your preference on the tradeoff between plan premiums and out-of-pocket costs? *

I prefer paying a higher premium for more complete coverage to have as few out-of-pocket costs as possible.

I'm happy to pay a modest premium and don't mind paying some cost as I go.

I don't mind "safety net" coverage that has a high deductible and very low premiums with a lot of flexibility on where I can use my coverage.

I prefer little to no premiums as possible and don't mind paying copays, coinsurance or deductibles as I utilize my coverage.

Prescription Drug Plans Question 6 of 7

Prescription Drug Plans (PDP),

Most Medicare Advantage plans have built-in benefits, beyond basic health coverage like dental and vision, that set them apart. Many customers prefer this low cost, all-in-one approach.
Medicare supplement insurance plans have standardized health benefits and pair well with additional policies, allowing you to to customize the benefits that are most important to you.

What Prescription Drug Plan (Part D) coverage do you need? *

I'm not interested in prescription drug coverage at this time. (Note: if you're not covered by a creditable plan you may have to pay a late enrollment fee when you do enroll.)

I need to have some coverage for my prescriptions and would like to understand what options are available.

Dental, Vision and Other Benefits Question 7 of 7

Different plans offer different features.

Most Medicare Advantage plans have built-in benefits, beyond basic health coverage like dental and vision, that set them apart. Many customers prefer this low cost, all-in-one approach.
Medicare supplement insurance plans have standardized health benefits and pair well with additional policies, allowing you to to customize the benefits that are most important to you.

What benefits beyond basic Medicare health coverage would be important to you? (Choose all that apply.)

Preventive dental coverage like cleanings and x-rays

Comprehensive dental coverage like root canals and crowns

Hearing aid allowances

Discounts on eye exams, glasses or contacts

Gym membership discounts

A little personal information to give you an accurate recommendation.

Sex *

Male

Female

Other

Age *

Years (Numbers only)

Zip Code *

5 digit zip code of residence Call (713) -369-0997 if you need assistance

Do you reside with a spouse or civil union/domestic partner? Or do you currently reside with an adult age 60 or older and have resided with that person for at least one year?

Yes

Name *

Email *

Phone Number

* This information is Required for a Quote

Explore the Medicare Advantage Plans in your county

Your open enrollment period starts when you turn 65 or when you first sign up for Part B. It lasts for 6 months. This is the best time to sign up, because you’ll get the best possible rate and can’t be denied for a pre-existing condition. After this 6-month window closes, you can still apply but the insurance company may use medical underwriting. There is also the possibility that you could be denied.

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The ABC's of Medicare

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