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Serving the Greater Houston area
Houston Senior InsuranceCall now
Houston Senior Insurance

Medicare made simple for Houston seniors.

Our licensed Texas agents check your doctors, your prescriptions and your real annual cost before recommending a single plan. We cover Houston, Katy, Sugar Land, Pearland and the rest of Harris County.

Get my free consultation(713) 651-3098
  • Licensed in Texas since 2009
  • No cost, ever
  • Greater Houston & Harris County

Written and reviewed by the licensed Medicare team at Houston Senior Insurance, Licensed Texas insurance agency. Last reviewed: August 2026.

Retired Houston couple comparing Medicare plan options at their kitchen table

Free consultation

Takes about 20 seconds. No obligation to enroll.

A licensed Houston agent calls you back. Never an out-of-state call center.

4.9 average rating

Houston clients we have enrolled

Social proof

Houston families, in their own words

Google reviewsVerified clients

  • Turning 65

    “I was turning 65 and had no idea which forms came first. We went through my dates on one call, and I had my Part B start date and a plan picked out before my birthday month.”

    Marlene H.

    Pearland, TX

    Verified customer · March 2026

  • Doctor networks

    “My cardiologist at the Texas Medical Center was the whole issue. She checked the network before I signed anything and told me plainly which of the plans kept my doctor.”

    Ronald P.

    Katy, TX

    Verified customer · January 2026

  • Prescription costs

    “She ran my six medications through the drug lists instead of just quoting me a premium. My yearly cost dropped and I'm still using the same pharmacy on Westheimer.”

    Gwen S.

    Sugar Land, TX

    Verified customer · November 2025

  • Final expense

    “We wanted something small so the kids would not be stuck with the bill. No exam, no pressure, and the whole thing was done at our kitchen table in Cypress.”

    Daniel L.

    Cypress, TX

    Verified customer · September 2025

Placeholder content: the quotes above are examples supplied during site build. Replace them with verbatim client reviews and links to the public review profile, or remove this section, before publishing.

Medicare tools

Three tools that answer a real question

These are the questions that actually decide which plan fits a Houston household. Brochures do not decide it.

Tool 01 · TimingFree

When can I enroll?

Enter your birthday and we'll map your Initial Enrollment Period, the date coverage can start, and the deadline that avoids a lifetime Part B penalty.

Tool 02 · Network checkFree

Check my Houston doctors

Tell us the doctor, clinic or hospital you want to keep: Houston Methodist, Memorial Hermann, Kelsey-Seybold. Our licensed team checks it against the plans available in your ZIP code and calls you back, usually the same or next business day.

Which doctor should we check?

Takes about 20 seconds. No obligation to enroll.

A licensed Houston agent calls you back. Never an out-of-state call center.

Tool 03 · Drug cost reviewFree

Review my prescription costs

Premiums hide the real number. We price your medications against the drug lists of the plans we represent across Harris County, including your pharmacy, and give you the total annual cost instead of the monthly headline.

What are you taking?

Takes about 20 seconds. No obligation to enroll.

A licensed Houston agent calls you back. Never an out-of-state call center.

Annual Enrollment runs Oct 15 – Dec 7

Plan networks, drug tiers and premiums change every year. A free review takes about 15 minutes.

See what to review

Turning 65 in the next six months?

Your Initial Enrollment Period opens three months before your birthday month. Missing it can mean lifelong Part B penalties.

Find my enrollment dates

Coverage & services

What we place for Houston households

We're independent, so we're not employed by one company. We put the options we can offer on the table, explain the trade-offs, and let the numbers decide.

Part C

Medicare Advantage

All-in-one plans with dental, vision and prescription extras, plus a network. We confirm your primary care doctor and your Texas Medical Center specialists are contracted before you sign anything.

  • Network checks against Houston Methodist, Memorial Hermann and Kelsey-Seybold
  • Out-of-pocket maximums compared side by side
  • Extras priced honestly, not sold as headlines
How Medicare Advantage works in Houstonor call (713) 651-3098
Houston retiree going over Medicare Advantage paperwork with her daughter
Medigap

Medicare Supplement

Steady costs and any provider in the country that takes Medicare. Handy if you split the year between Houston and a place up north.

  • Plan G and Plan N priced across every carrier we represent
  • No networks and no referrals
  • Rate-increase history explained before you enroll
Learn how Plan G and Plan N differor call (713) 651-3098
Buffalo Bayou path with the Downtown Houston skyline behind it at dusk
Part D & reviews

Drug plans and second opinions

We run your exact medication list against the drug lists of the plans we represent and show your real annual cost. Already enrolled? We'll tell you plainly if your current plan is still the right one.

  • Pharmacy-specific pricing across Harris County
  • Total annual cost, not the monthly headline
  • Switching windows explained clearly
How Part D pricing actually worksor call (713) 651-3098
Texas Medical Center towers and Houston rooftops at golden hour
Final expense

Final expense & life coverage

Simple whole-life coverage that keeps funeral costs off your family, with options that require no medical exam. Most Houston families we help settle this in a single phone call.

  • No-exam options available
  • Benefit amounts sized to real Houston funeral costs
  • Beneficiaries walked through the claim process
Final expense coverage explainedor call (713) 651-3098
Three generations of a Missouri City family on their front porch

Why choose us

The difference is who answers the phone in year three.

Houston Senior Insurance is a small local agency. You will not be handed to a script reader in another state.

  • The same person every year

    Not a rotating call center. The same Houston office enrolls you, and the same office picks up in January when a claim looks wrong.

  • Doctors and drugs checked first

    Before any plan is recommended, we verify your providers and run your prescription list against the plans we can offer. That's where most Houston seniors get burned.

  • Nothing costs you a dollar

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

  • We show up locally

    Home and in-person appointments from Bellaire to The Woodlands, plus phone and video when that's easier.

  • Independent, not captive

    Multiple carriers on the table so the comparison is real, with the trade-offs said out loud.

  • Plain English, always

    No jargon, no pressure, no scare tactics. If your current plan wins, we say so and leave it alone.

Call our Houston office: (713) 651-3098Request a free review

The honest comparison

Why call us instead of a national Medicare hotline?

Both are worth using, and they do different jobs. A hotline can tell you about every plan available in your area. We work with a smaller set of carriers and do the personal legwork on your Houston doctors, medications and budget.

Recommended

Houston Senior Insurance

A named, licensed local adviser in Houston.

  • One named local adviser you can reach again
  • We check your specific doctors and prescriptions before recommending anything
  • Same person after enrollment, including at claim time
  • Options compared from the carriers we represent in your ZIP code
  • In-person, home and phone appointments across Harris County
Call (713) 651-3098
Generic Medicare hotline

1-800 call centers

Useful for general information and full plan lists.

  • A general assistance line staffed by different representatives
  • General Medicare information and plan lookups
  • A different representative may answer each time you call
  • Information about every plan available in your area
  • Primarily phone-based, plus Medicare.gov self-service tools

We do not offer every plan available in your area. To review all of your options, contact Medicare.gov, 1-800-MEDICARE, or the Texas State Health Insurance Assistance Program (SHIP).

Enrollment process

How a free plan review works

  1. Step 1

    A 15-minute conversation

    Call or send the short form. We ask about your doctors, medications, budget, and what went wrong with your last plan.

  2. Step 2

    A side-by-side comparison

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

  3. Step 3

    Enrollment done with you

    We finish the application together, in person, by phone, or online. Most take under 30 minutes.

  4. Step 4

    A yearly checkup

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

Local Houston expertise

Senior insurance help throughout Houston & Harris County

Medicare networks are local. A plan that's excellent in Dallas can be a poor fit in Houston if your cardiologist at Houston Methodist or Memorial Hermann isn't contracted. We check the networks of the plans we represent against your own provider list before anything is recommended.

We meet clients across Greater Houston for Medicare and final expense coverage, and we handle Annual Enrollment (Oct 15 – Dec 7) here every single year.

Communities served

Downtown Houston skyline seen from Buffalo Bayou Park
Based in Houston, TX 77003. Home visits available across Harris County and the surrounding suburbs.

Free, no obligation

Ready when you are. No obligation to enroll

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

(713) 651-3098

Mon–Fri, 8:30am–5:30pm · Houston, TX

  • No fee. The carriers we represent pay us, never you
  • Licensed in Texas and Medicare-certified annually
  • The same advisor next year and the year after
  • Home visits across Katy, Sugar Land, Pearland and Cypress

Written and reviewed by the licensed Medicare team at Houston Senior Insurance, Licensed Texas insurance agency. Last reviewed: August 2026.

Request a free Medicare review

Takes about 20 seconds. No obligation to enroll.

A licensed Houston agent calls you back. Never an out-of-state call center.

FAQ

Medicare questions we hear in Houston

When can I enroll in Medicare in Houston, TX?
Your Initial Enrollment Period runs three months before through three months after your 65th birthday month. Annual Enrollment runs October 15 through December 7, and Special Enrollment Periods apply after a move, retirement, or 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, and your premium is the same whether you enroll with us or on your own.
Medicare Advantage or a Medicare Supplement: which one wins?
It depends on your doctors, travel, prescriptions, and budget. We price both, from the carriers we represent, for your exact situation before recommending either.
Can you check whether my doctor is in network?
Yes. Before we recommend anything, we check your providers against the plans we can offer, including Houston Methodist, Memorial Hermann, and independent Harris County clinics, and we run your medication list against each plan formulary.
Do you meet in person?
We do home visits across Houston, Katy, Sugar Land, Pearland, Cypress and the surrounding communities, and we also handle everything by phone if that's easier.

Still have a question? Call our Houston office at (713) 651-3098 or browse every FAQ.

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