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What We Do
We provide personalized guidance to help you choose Medicare Advantage, Medicare Supplement, ACA/Individual, or ancillary coverage options based on eligibility or gaps identified in your coverage.
Because we work with all of the major health carriers, we can offer impartial, client-focus guidance, tailored to meet your unique, independent needs.
LEARN MORE ABOUT US
Navigating Medicare can be challenging, but you don’t have to get through it alone. We are here to help you every step of the way….
New to Medicare?
Are you Turning Age 65 or Disabled or Delayed Part B Enrollment
We’ll walk you through the process and help you understand your options.
Participating in Medicare Advantage?
Experiencing issues utilizing your Benefits?
Are provider or network changes affecting your coverage?
Medicare Supplement/Medigap?
Newly enrolled in Original Medicare?
Considering enrolling in a Medicare Supplement Plan?
Life happens—we’re here beyond your initial Medicare plan selection; we are committed to providing ongoing assistance when challenges arise with your plan.
Whether you are New to Medicare or participating in Medicare for quite some time. We can help, Call us today!
What is ACA Health Insurance?
The Affordable Care Act (ACA) is a law that helps make health insurance more affordable and accessible. It also offers important protections for people with pre-existing conditions and gives more Americans access to coverage.
Eligibility Criteria
- Be a US citizen or lawfully present noncitizen and must be residing in the US.
- Under age 65, or over 65 but not eligible for premium free Medicare Part A – Hospital coverage
Income and Subsidy Considerations
- Example: For 2026 – for a family of four: (Note: these amounts change each year)
- 100% FPL: $31,200 (Minimum to qualify for subsidy)
- 400% FPL: $124,800 (Maximum to qualify for subsidy)
Enrollment (Open Enrollment and Special Enrollment Periods)
- Open Enrollment Period (OEP): Begins each year on November 1st and ends on January 15
- During this period, you can enroll in, renew, or change health insurance plans
- Changes made during this period will be effective the January 1st of the following year. Example: Changes made between 11/1/2026 and 1/15/2027 will be effective 1/1/2027.
- Special Enrollment Period: Allows you to enroll in or change Marketplace health coverage outside the Open Enrollment period if you experience a qualifying life event
- Qualified Life Event that may qualify you to make a change to your current year ACA Healthcare coverages:
- Marriage, divorce, legal separation, death of a family member, birth adoption or foster care, dependent child turning age 26.
- Loss of coverage, due to loss of job, Medicaid, CHIP, other qualifying health insurance or newly eligible for Marketplace subsidies.
- Change of residence, due to moving to a new zip code, moving in or out of the country
- There other Special circumstances, such as Natural disasters, errors in plan information, or other administrative errors.
Whether you’re new to ACA, already enrolled in a plan, or going through a life event and have questions, give us a call. We’re here to help!
If you’ve lost coverage in the last 60 days for one of the reasons we mentioned, you might qualify for a subsidy. Just click the link below — it’ll walk you through a quick check to see if you’re eligible.
Ancillary healthcare coverages are supplemental insurance benefits that go beyond your primary health plan. They’re recommended when there are gaps in your coverage or when you want added protection and value.
Below is a list of some additional products we offer:
Stand-alone Dental and/or Vision plans
Hospital Indemnity
Critical Illness
Long-Term Care Insurance
Life Insurance & Final Expense Coverage
When you need extra protection or added value, we have resources to help you explore your options………..
Mailing Address
539 W. Commerce Street, Suite 4018, Dallas, TX 75208
