Medicare In A Nutshell

Most people let their Medicare plan auto-renew without a second thought. But every year we sit down with Houston clients who are overpaying, have lost coverage for their doctors, or are paying too much for prescriptions — simply because they never reviewed their plan. Here's why this year should be different.

Medicare's Annual Enrollment Period opens October 15 and closes December 7 — and it's the one time each year when you can make changes to your Medicare coverage without a qualifying life event. Here's the complete guide to AEP 2026, including what you can change, the full fall calendar, and your AEP checklist.

Medicare Part D covers prescription drugs, but it's one of the most confusing parts of the whole Medicare system. Plans vary widely, the same drug can cost dramatically different amounts depending on which plan you choose, and skipping it carries a perman parts of the whole Medicare system. Plans vary widely, drug costs can differ dramatically between plans, and missing your enrollment window carries a permanent penalty. Here's everything you need to know about Part D

If your income is above a certain threshold, Medicare will charge you more for your Part B and Part D premiums. This extra charge is called IRMAA — and many people don't find out about it until their first Medicare bill arrives. Here's what it is, who it affects, and what you can do about it.

It's the question we hear most at every Medicare workshop: Should I get a Supplement or an Advantage plan? Both are legitimate options — but they work very differently. Here's a plain-language comparison to help you decide which path is right for you.

When you turn 65, Medicare gives you a 7-month window to enroll. Miss it — and you could face a permanent penalty added to your premium for the rest of your life. Here's what the Initial Enrollment Period is, why it matters, and what to do before your window closes.