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Independent Medicare agency · Houston, TX

Licensed Insurance Agent in Houston, TX: Medicare plans explained plainly.

Compare Medicare Advantage, Medigap and Part D with the licensed agents at Houston Senior Insurance. Houston is a big metro with big health systems, and every plan network draws its own lines. We check your doctors against those networks, run your prescriptions, and price your real yearly cost before any plan gets recommended. Reviews happen by phone, so you skip the trip across town.

Call us: 713-651-3098 Get a free plan review
  • Licensed Texas insurance agents
  • Independent, not tied to one carrier
  • No cost for our help

Serving Greater Houston, including Katy, Sugar Land, Pearland, The Woodlands and more.

An older woman and her adult daughter reviewing Medicare papers together on a living room couch

Have an agent call me

Takes under a minute.

Free

By submitting, you agree a licensed agent may call you about Medicare or final expense options. No obligation to enroll.

Licensed agents available Mon-Fri, 8:30am-5:30pm CT.

Independent, Texas-licensed agency. We compare the options from the Medicare carriers we represent and explain which ones fit your doctors, prescriptions and budget. We do not offer every plan available 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.

Reviewed by the licensed Texas agents at Houston Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.

Medicare tools

Three tools that answer a real question

These are the questions that actually decide which plan fits, not which brochure looks best. Pick one and start.

Find your Medicare enrollment window

Enter your date of birth and we'll map out your Initial Enrollment Period, the month to apply, and when coverage could start.

Annual Enrollment runs Oct 15 to Dec 7

Networks, drug lists and premiums shift every year across Greater Houston. A free review shows whether your plan still fits.

See what to review

Turning 65 in the next six months?

Your Initial Enrollment Period opens three months before your birthday month. Miss it and a Part B penalty can follow you for as long as you have Part B.

Find my enrollment dates

Coverage

Medicare coverage we help Houston residents choose

We're independent, so no single carrier employs us. We put the options we can offer on the table, explain the trade-offs in plain language, and let the numbers decide.

A smiling older couple looking at a tablet together at a kitchen table with coffee mugs
Part C

Medicare Advantage

All-in-one plans that bundle drug coverage and often dental and vision, tied to a network. In a metro this big, the network decides which hospitals and medical groups you can use. Before you sign anything, we check whether your family doctor and specialists are in the networks of the plans we can offer in your ZIP code.

  • Network checked against your own doctors
  • Yearly out-of-pocket maximum
Check My Network Options How Medicare Advantage works in Houston →

Medicare Supplement

  • No network restrictions
  • Rate history reviewed, not just year one
Medigap

Medicare Supplement

Predictable costs and the freedom to see any provider in the country that accepts Medicare. That matters if you travel to see family out of state or want a specialist outside your local network. We compare Plan G and Plan N side by side so you see the real trade-off.

Compare Medigap Options How Plan G and Plan N differ →

Prescription Drug Plans

  • Yearly cost, not monthly headline
  • Preferred pharmacy comparison
Part D

Prescription Drug Plans

We run your exact medication list against the drug lists of the plans we represent and show the real yearly cost, not the headline premium, including which pharmacy near you prices lowest.

Get My Drug Cost Estimate How Part D pricing works →

Already on Medicare?

  • Honest 'keep what you have' answers
  • Switch windows explained plainly
Second opinion

Already on Medicare?

A fresh look at what you already have. If your current plan is the best of what we can offer, we say so, leave it alone, and check it again next October instead of pushing a switch.

Review My Current Plan When you're allowed to switch plans →

Your first Medicare decision

  • Penalty-free timing mapped out
  • Employer coverage checked first
Turning 65

Your first Medicare decision

Your seven-month Initial Enrollment Period, your one-time Medigap open enrollment window, and what happens if you're still working past 65. Get the dates right once and you avoid a late-enrollment penalty.

Map Out My Enrollment Dates The turning-65 timeline for Houston →

Why choose us

Straight answers from a licensed local agency.

Houston Senior Insurance is an independent agency. You talk with a licensed agent, and you get the reasoning behind every recommendation.

  • A licensed agent, not a script

    You talk with a licensed Texas agent who knows Medicare, not a call center reading from a script.

  • Doctors checked before plans

    We check your providers and run your medication list against the plans we can offer before recommending anything.

  • Nothing costs you a dollar

    We're paid by the carriers we represent, not by you, and your premium is identical either way.

  • Local to Greater Houston

    We know the questions that come up here, from Kelsey-Seybold and Memorial Hermann networks to Texas Medical Center specialists, and we confirm your doctors are in network instead of guessing.

  • One readable page

    Your options land as a single side-by-side comparison with real yearly numbers, not a stack of carrier brochures.

  • A yearly re-check

    Plans change every January. We re-run your numbers each fall and only suggest a move if the math says so.

Call us: 713-651-3098

We do not offer every plan available 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.

The process

How a free Medicare checkup works

Four steps, no pressure, and a clear exit at any point.

Start step one

  1. A short conversation

    Call or send the short form. We ask about your doctors, medications, budget, and what didn't work with your last plan.

  2. A side-by-side comparison

    We price the plans we can offer in your ZIP code and build a one-page comparison you can read.

  3. Enrollment done with you

    We complete the application together on the phone or electronically and confirm your start date.

  4. A yearly checkup

    Plans change every January. We re-run your numbers each fall and only suggest a move if the math says so.

Service area

Medicare help across Houston and Harris County

Medicare networks are local, and Greater Houston has a lot of them to sort through. Houston Methodist, Memorial Hermann, St. Luke's Health and HCA Houston Healthcare run hospitals across the metro, and many Medicare Advantage networks are built around specific medical groups like Kelsey-Seybold. Those networks can change from one year to the next, so we confirm your own doctors are in network before anything is recommended.

We help residents of Harris, Fort Bend, Montgomery and Brazoria counties by phone, from Katy and Cypress to Kingwood and Pearland. A specialist in the Texas Medical Center can be a long trip in traffic from the suburbs, so we also look at where your in-network doctors and urgent care actually sit. Before hurricane season, we suggest keeping a printed list of your doctors, drugs and plan details in case power or phones go down.

  • Houston Methodist
  • Memorial Hermann
  • St. Luke's Health (Baylor St. Luke's Medical Center)
  • HCA Houston Healthcare
  • Kelsey-Seybold Clinic
  • MD Anderson Cancer Center
Downtown Houston skyline at dusk above Buffalo Bayou
Serving Harris, Fort Bend, Montgomery and Brazoria counties.

Find Medicare help near you

Free review · no obligation

Ready whenever you are.

Start with one call. If your current plan is already the best fit of what we can offer, we'll tell you that and leave it alone.

  • No fee. The carriers we represent pay us, not you
  • Licensed Texas insurance agents
  • Your doctors and prescriptions checked first
  • We'll tell you to keep your plan if it's already the best fit
713-651-3098

Mon-Fri, 8:30am-5:30pm CT · Houston, TX

Reviewed by the licensed Texas agents at Houston Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.

Request a free Medicare review

Takes under a minute.

Free

By submitting, you agree a licensed agent may call you about Medicare or final expense options. No obligation to enroll.

FAQ

Medicare questions we hear in Houston

Still stuck? Call us at 713-651-3098 or read the full Medicare FAQ.

When can I enroll in Medicare in Houston, TX?

Your Initial Enrollment Period covers the three months before your 65th birthday month, that month, and the three months after. Annual Enrollment runs October 15 through December 7 every year. Special Enrollment Periods can open after a move, a retirement, or the loss of employer coverage.

Does it cost anything to work with your agency?

No. Houston Senior Insurance is paid by the insurance carriers we represent. Your premium is the same whether you enroll through us or go straight to the carrier.

Medicare Advantage or a Medicare Supplement, which is better for me?

It depends on your doctors, how often you travel, your prescriptions and your budget. We price both, using the carriers we represent, before we suggest either one. Our side-by-side comparison walks through the trade-offs.

Can you check whether my doctor is in network?

Yes. Before we recommend anything, we check your providers against the plan networks we can offer, whether you see a doctor at Houston Methodist, Memorial Hermann, Kelsey-Seybold, St. Luke's Health or an independent clinic in Harris County. We also run your medication list against each plan's drug list.

Does a Houston Medicare Advantage plan cover me at the Texas Medical Center?

It depends on the plan. Many Medicare Advantage networks in Greater Houston are built around certain hospital systems or medical groups, so one plan may include your Texas Medical Center specialist and another may not. Confirm your doctor is in network for next year before you enroll. A Medicare Supplement works with any provider in the country that accepts Medicare, with no network.

How should I prepare my Medicare coverage for hurricane season?

Keep a printed list of your doctors, your prescriptions with doses, your plan name and member ID, and your pharmacy, plus copies of your Medicare and plan cards. After Hurricane Harvey's flooding and the long outages after Hurricane Beryl, many Houston families learned that phones and portals are not always available. Your plan's member services number on that sheet helps if you have to use a different pharmacy or doctor during an emergency.

How do appointments work?

Most reviews happen over the phone, so you never have to fight Houston traffic to see us. Call us or send the short form, and a licensed agent will set a time that works for you during business hours, Monday through Friday, Central time.

Where can I get free, unbiased Medicare counseling in Texas?

Texas HICAP (Health Information, Counseling and Advocacy Program) is the state's free Medicare counseling program. Call 1-800-252-9240. In Harris County, the Area Agency on Aging, run by the Houston Health Department, also offers benefits counseling at 832-393-4301. We're happy to work alongside HICAP if you've already talked with them.

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