Medicare Guidance
Medicare, made clear.
Whether you are turning 65, leaving an employer plan, or wondering if your current plan still fits, you do not have to figure this out alone. A licensed TMI advisor will sit down with you, compare your options side by side, and help you choose with confidence.
No cost to compare. No pressure to enroll.
Where are you today?
Wherever you are with Medicare, we will meet you there.
Every client starts in a different place. We take the time to understand yours before we ever recommend a plan.
New to Medicare
Turning 65 or coming off employer coverage? We walk you through Parts A, B, C, and D in plain language, explain your enrollment window, and help you avoid late penalties.
Already on Medicare
Plans change every year, and so do your needs. We review your doctors, prescriptions, and costs to make sure your plan still fits, or find one that fits better.
Medicare and Medicaid
If you qualify for both, you may be eligible for a Dual Special Needs Plan with extra benefits and lower costs. We will help you understand what is available to you.
Your coverage options
The plans we help you compare
Medicare Advantage
Part C plans that bundle hospital, medical, and often drug coverage, many with dental, vision, and hearing extras.
Medicare Supplement
Medigap plans that help pay what Original Medicare does not, with the freedom to see any doctor who accepts Medicare.
Part D Drug Plans
Prescription drug coverage matched to the medications you take and the pharmacies you use.
Dental, Vision & Hearing
Standalone coverage for the care Original Medicare leaves out, so you can keep smiling and seeing clearly.
Carriers we work with
One advisor. Many trusted carriers.
As an independent agency, we are not tied to one company. That means we can lay your options out side by side and recommend what is right for you.
Plan availability varies by county.
Choosing a plan
5 things to compare in any Medicare plan
- 1Your doctors and hospitals.
Make sure the providers you trust are in the plan's network.
- 2Your prescriptions.
Check that your medications are covered, what tier they fall in, and which pharmacies cost less.
- 3Your total yearly cost.
Look past the premium to deductibles, copays, and the out-of-pocket maximum.
- 4Extra benefits you will actually use.
Dental, vision, hearing, over-the-counter allowances, and fitness programs vary from plan to plan.
- 5Flexibility and travel.
HMO, PPO, or Supplement? Think about referrals, out-of-network care, and time spent away from home.
Choosing an advisor
5 things to look for in a Medicare agent
- 1Licensed and certified.
Your agent should hold a state health license and complete Medicare certifications every year.
- 2Independent, with multiple carriers.
More choices means a recommendation built around you, not one company.
- 3Listens before recommending.
A good agent asks about your health, your budget, and your doctors first.
- 4Stays with you after enrollment.
Look for yearly plan reviews and help when questions or claims come up.
- 5Local and easy to reach.
A real person with a real office who answers the phone when you call.
Your Medicare advisors
Real people, ready to help.
Our licensed life and health advisors are here for you before, during, and long after enrollment.
Founder & Principal Agent
Medicare Specialist · Hablo español
Licensed Life & Health Insurance Agent
Licensed Life & Health Insurance Agent
Call (832) 608-4856 or email info@tmiagency.net
Let's find the plan that fits you.
One conversation can bring a lot of peace of mind. We will answer your questions, compare your options, and help you enroll when you are ready.
We do not offer every plan available in your area. Currently we represent 10 organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
TMI Agency LLC is not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, benefits, and costs vary by county and carrier.