Introduction: Simplified Security for Your Health
Turning 65 marks a huge milestone—and the start of Medicare eligibility. While Medicare is vital for helping you Retire Happy, the system can feel like an intimidating maze of letters and deadlines.
As your local experts, Poplars Insurance Agency is here in Houston, Texas, to simplify the process. We will help you navigate the “Core Four” of Medicare and ensure you have the coverage needed to live well in your golden years.
The Core Four: A Simple Breakdown
Medicare is structured into four main parts:
| Part | What It Covers | Key Cost Note |
| Part A (Hospital) | Hospital stays, skilled nursing, hospice care. | Generally premium-free if you paid Medicare taxes for 10+ years. |
| Part B (Medical) | Doctor visits, outpatient care, durable medical equipment. | Requires a monthly premium (deducted from Social Security). |
| Part C (Medicare Advantage) | All-in-one plans offered by private companies that replace A & B coverage and often include D (Prescriptions). | Often includes extra benefits like dental/vision. |
| Part D (Prescriptions) | Coverage for prescription drugs. | Requires a separate premium unless included in Part C. |
When to Enroll: Avoid Penalties!
Timing is crucial. If you miss your initial enrollment window, you could face lifelong premium penalties.
- Initial Enrollment Period (IEP): This seven-month period starts three months before your 65th birthday, includes your birth month, and ends three months after your birth month. Do not miss this.
- Annual Enrollment Period (AEP): Runs from October 15 to December 7 every year. This is the time to switch between Original Medicare and Medicare Advantage or change your drug plan.
Why Choose a Local Agent to Simplify Medicare?
National call centers handle thousands of clients, but they don’t know the specifics of the Houston or Texas medical networks.
- Local Knowledge: We know which Medicare Advantage plans offer the best network coverage with the hospitals and specialists in your area.
- Personalized Review: We take the time to review your specific medications and health needs to ensure you have the most cost-effective Part D or Part C plan.
- No Cost to You: Our services cost you nothing, as we are paid by the carriers. You receive expert, local advice without the cost or stress.
Don’t Let Confusion Cost You Coverage
Medicare may be confusing, but securing the right plan doesn’t have to be. Let a certified Poplars agent simplify it for you.
