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Clarity and Confidence for Your Medicare Journey

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Turning 65 should be exciting, but navigating the complexities of Medicare can be overwhelming. With countless plans, confusing rules, and the risk of lifelong penalties, it's easy to feel lost. You don't have to do it alone.

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As Your Unbiased Local Guide, We Help You

  • Understand Your Options:
    Original Medicare (Parts A & B) covers hospital and medical care; many people add a Medigap (Supplement) policy to fill gaps (deductibles, coinsurance) and keep broader provider choice. A Medicare Advantage plan (Part C) bundles Part A/B and usually Part D into a single plan with network rules, often lower out-of-pocket costs but more limited provider choice—so it’s a tradeoff between flexibility and convenience/cost.
  • Avoid Penalties:
    Enrolling on time in Part B and Part D prevents late-enrollment penalties and gaps in coverage. We track each client’s enrollment windows, notify them of deadlines, help with paperwork and special-enrollment exceptions, and confirm enrollment so they never miss a critical date.
  • Find the Right Fit:
    We run a personalized plan match—checking your current doctors, hospital preferences, and full prescription list against available plans, reviewing formularies and networks, then presenting options that balance coverage, convenience, and cost so the chosen plan truly fits your medical needs and budget.

Enroll in Medicare with Confidence

Our ultimate checklist breaks down the entire enrollment process into simple, manageable steps. Download your free copy and ensure a stress-free transition.
Download the Free Medicare Checklist
Schedule Your Free Medicare Review
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Medicare Supplement Insurance (Medigap)

Medigap helps cover costs that Original Medicare doesn’t, such as deductibles and co-pays. It requires a monthly premium and is available only to those enrolled in Original Medicare.
Coverage varies by state, but each must meet a state-approved minimum standard. Prime Life Financial guides you through Texas-specific options to help you choose the right plan.
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Medicare Prescription Drug Plan (Part D)

Part D Prescription Drug Plans help cover the cost of medications not included in Original Medicare or Medigap plans. You can purchase this coverage as a standalone plan or opt for a Medicare Advantage plan that includes it.
Since each plan varies in cost and the medications it covers, Prime Life Financial’s licensed insurance advisors are here to help you find a Medicare-approved plan that fits your specific needs.
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Medicare Advantage Plan

Medicare Advantage offers the same hospital and medical benefits as Original Medicare (Parts A and B), plus extra perks like dental, vision, hearing, and often prescription drug coverage. Hospice care is the one exception—it’s still covered by Original Medicare.
There are several plan types available, including HMOs, PPOs, SNPs, and PFFS plans. Because plans vary by location and provider, Prime Life Financial’s licensed agents are here to simplify your choices and help you pick the one that works best for you.

Navigating Medicare

Original
Medicare Plan

Explaining Part A (Hospital) and Part B (Medical).

Medicare
Advantage (Part C)

Exploring off-exchange options where applicable.

Prescription Drug
Plans (Part D)

Standalone or included in Advantage plans.

Medicare Supplements
(Medigap)

Plans that help cover Original Medicare's out-of-pocket costs.

How We Help

Reviewing individual needs, comparing plans (costs, networks, coverage), explaining enrollment periods, and providing enrollment assistance.

No Cost for Our Guidance

Our services are typically compensated by the insurance carrier, not the client.
Request a Free Medicare Review
Schedule a Medicare Consultation

Get Your Free Medicare Checklist & Review

By submitting this form, you agree to receive the requested guide and to be contacted by a licensed agent from Prime Life Financial LLC to discuss your Medicare Advantage, Medicare Supplement, and Prescription Drug Plan options at the phone number and email address you provided. This is a solicitation for insurance. There is no cost or obligation to enroll.

Prime Life Financial LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.

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