Insurance Services for Texans
Clear Options for Seniors, Families, and Individuals
At Texas Power Insurance Agency, we know that choosing the right healthcare coverage can feel overwhelming, especially with so many Medicare and health insurance options available. That’s why our team is dedicated to simplifying the process for Texans across Katy, Humble, Montgomery, and the greater Houston area.
Medicare Services
Original Medicare (Parts A & B)
Covers hospital stays, doctor visits, preventive care, and outpatient services. We’ll help you understand what’s included, what’s not, and how to supplement your coverage.
Insurance isn’t a one-time decision. From plan changes and claims to questions about benefits, our team provides support all year long.
Medicare Advantage
(Part C)
All-in-one plans from private insurers that combine Parts A & B, often with extras like:
Dental & Vision
Hearing
Fitness memberships
Over-the-Counter allowances
Transportation benefits
We compare options to match your doctors, prescriptions, and budget.
Medicare Supplement Plans (Medigap)
Helps cover deductibles, copays, and coinsurance not paid by Original Medicare. Popular options like Plan G or Plan N give seniors predictable costs and peace of mind. Medigap also lets you see any provider nationwide that accepts Medicare. This flexibility makes it a strong choice for those who travel frequently or want broader access to doctors and specialists. By reducing out-of-pocket surprises, Medigap ensures your healthcare remains both reliable and affordable.
Prescription Drug Plans (Part D)
Stand-alone coverage that helps pay for medications. We analyze your prescriptions, preferred pharmacies, and formulary tiers to ensure you get the most affordable plan.
Individual & Family Health Insurance (Under 65)
Not eligible for Medicare yet? We compare private health insurance options for individuals and families, balancing premiums, deductibles, and out-of-pocket costs to fit your household’s needs and budget.
Dental & Vision Coverage
Standalone dental and vision plans can protect your overall health and reduce out-of-pocket expenses. Many Medicare Advantage plans also include these benefits — we’ll show you the best fit.
Whether you are turning 65 and enrolling in Medicare for the first time, reviewing Medicare Advantage or Medigap options, exploring family and individual health insurance, or comparing stand-alone prescription drug plans, we provide clear, personalized guidance every step of the way. Our mission is to make sure you understand your choices, avoid unnecessary costs, and feel confident knowing your coverage is the right fit for your needs and budget.
IMPORTANT MEDICARE INFORMATION
I AM TURNING 65! WHAT NEXT?
Medicare provides a 7-month Initial Enrollment Period around your 65th birthday. This window begins three months before you turn 65, includes the month of your 65th birthday, and extends three months after. Enrolling during this period ensures you avoid late penalties and gain timely access to your Medicare benefits, whether you’re choosing Original Medicare or a Medicare Advantage plan.
WHAT ARE THE 4 PARTS OF MEDICARE?
Medicare is divided into four main parts that work together to provide comprehensive coverage. Part A (Hospital Insurance) helps cover inpatient hospital stays, skilled nursing facilities, hospice, and some home health care. Part B (Medical Insurance) covers doctor visits, outpatient services, preventive care, durable medical equipment, and more.
Part C (Medicare Advantage Plans) are offered by private insurance companies and combine Parts A and B, usually with extra benefits such as dental, vision, hearing, fitness, and often prescription drug coverage. Finally, Part D (Prescription Drug Plans) helps pay for medications and protects against unexpected high prescription costs. Together, these parts give seniors and qualifying Texans the flexibility to choose coverage that fits their healthcare needs and budget.
HOW DOES MEDICARE ADVANTAGE WORK?
Medicare starts with two main paths: Original Medicare (Part A & Part B): Hospital and medical insurance. You can add: Part D for prescription drug coverage and Medicare Supplement (Medigap) for extra cost protection. Medicare Advantage (Part C): Combines Part A and Part B, and usually includes drug coverage (Part D). If not, you may add a Part D plan. Medigap policies cannot be used with Advantage plans.
ANY IMPORTANT DATES I NEED TO KNOW?
Yes—Medicare runs on deadlines. Your Initial Enrollment Period is a 7-month window around your 65th birthday (3 months before, your birth month, and 3 months after). Each fall, the Annual Enrollment Period (Oct 15–Dec 7) lets you change Medicare Advantage and Part D plans for coverage starting Jan 1.
If you’re already on an Advantage plan, the Open Enrollment Period (Jan 1–Mar 31) allows one switch to another Advantage plan or a return to Original Medicare. For Medigap, your best time to buy is the 6 months after your Part B starts (typically no health underwriting). Qualifying life events (moving, losing coverage, etc.) can trigger Special Enrollment Periods.
HOW IT WORKS
Annual Enrollment Period
October 15th – December 7th
Members can change Medicare Advantage Plan and Part D Drug plan enrollment. All changes will be effective January 1st of the following year.
Open Enrollment Period
January 1st – March 31st
Members can change to a different Medicare Advantage Plan or disenroll and return to their Original Medicare.
Medicare Advantage Annual Enrollment Period
Medicare Advantage Annual Enrollment Period (AEP) is a time set by Medicare to review and make changes to your existing plan, if needed.What changes can you make?
- Change current Advantage Plan to new Advantage Plan
- Change current Advantage Plan to Original Medicare
Making a change: January 1 to March 31
If you feel that your current Advantage Plan is not meeting your needs, then you may want us to help you find a new plan that you will be happy with. In order for us to do proper research for a new plan, we would need a current list of your doctors and drugs. You can get us that list in two ways:
- Use our online secure form
- Send a complete list with Doctor name and specialty, drug name, dose and frequency along with Preferred Pharmacy to Texas Power Insurance Agency so we can assist with the request.
Health and Medicare Insurance Services Across Houston, Katy & Beyond
Where We Provide Medicare & Health Insurance in Texas
Medicare & Health Insurance Agents in Austin TX
Texas Power Insurance Agency proudly serves individuals, families, and seniors in Austin, TX, with trusted Medicare and health insurance guidance. From Medicare Advantage and Medigap plans to individual and family health coverage, our team makes navigating healthcare options simple and stress-free. With 38+ years of combined experience, we provide personalized support to ensure Austin residents find coverage that fits their needs and budget.
Brookshire TX Medicare & Health Insurance Services
Texas Power Insurance Agency offers expert Medicare and health insurance services for residents of Brookshire, TX. We help seniors compare Medicare Advantage, Medigap, and Prescription Drug Plans, while also guiding families and individuals under 65 with affordable health coverage options. Our personalized approach ensures Brookshire residents receive clear guidance, year-round support, and insurance solutions tailored to their needs.
Medicare & Health Insurance Services in Brownsville TX
Whether you need help choosing a Medicare Advantage or Medigap plan, reviewing prescription drug coverage, or exploring family and individual health insurance, our team is here to simplify the process. With decades of combined experience, we offer Brownsville seniors and families personalized support to find affordable, reliable healthcare solutions.
Houston TX Medicare & Health Insurance Experts
Our team helps seniors explore Medicare Advantage, Medigap, and Part D drug coverage while also supporting individuals and families with private health insurance plans. Houston residents trust us for straightforward advice, personalized service, and coverage options designed to fit their healthcare needs and budget.
Medicare & Health Insurance Agents Serving Humble TX
Residents of Humble, TX can count on Texas Power Insurance Agency for clear and dependable health insurance guidance. We simplify Medicare by helping you compare Advantage, Medigap, and Prescription Drug Plans, while also offering affordable options for individual and family health coverage. Our goal is to make insurance stress-free for Humble seniors and families through year-round support and personalized solutions.
Medicare & Health Insurance Services in Katy TX
From Medicare Advantage and Medigap plans to prescription drug coverage and family health insurance, our team tailors solutions to fit your needs. With decades of combined experience, we provide Katy seniors and families with trusted guidance and year-round support for their healthcare coverage.
Trusted Medicare & Health Insurance Plans in McAllen TX
Texas Power Insurance Agency supports McAllen, TX residents with expert Medicare and health insurance solutions. We guide seniors through Medicare Advantage, Medigap, and Prescription Drug Plans while also helping families and individuals under 65 find affordable healthcare coverage. Our personalized service ensures McAllen clients receive the right plan, clear explanations, and dependable year-round support.
Medicare & Health Insurance Help for Montgomery TX Residents
At Texas Power Insurance Agency, we make Medicare and health insurance simple for Montgomery residents. Whether you’re comparing Medicare Advantage, Medigap, or Prescription Drug Plans, or looking for individual and family coverage, our team provides clear, personalized guidance. Montgomery seniors and families trust us for affordable options, reliable advice, and ongoing support throughout the year.
San Antonio TX Medicare & Health Insurance Services
From Medicare Advantage and Medigap to Prescription Drug Plans and family health insurance, we simplify the process so you can make confident choices. Our experienced team is dedicated to helping San Antonio residents find affordable coverage that fits their needs and lifestyle.
Medicare & Health Insurance Experts in Waller TX
At Texas Power Insurance Agency, we provide Waller residents with trusted guidance on Medicare and health insurance options. Whether you need help reviewing Medicare Advantage, Medigap, or Prescription Drug Plans, or exploring affordable family and individual health coverage, our team is here to assist. With personalized support and decades of experience, we make healthcare coverage simple and stress-free for Waller seniors and families.
Texas Power Insurance Agency provides Medicare Advantage, Medigap, Prescription Drug Plans, and health insurance services for individuals and families across Katy, Humble, Montgomery, Houston, and surrounding Texas communities with trusted guidance and support.
Guiding You to Healthier Coverage, Every Step of the Way.
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We do not represent every plan available in your area. At this time, we work with 8 organizations that offer 24 plans locally. For a complete list of your coverage options, please visit Medicare.gov, call 1-800-MEDICARE, or contact your State Health Insurance Assistance Program (SHIP).