Medicare Coverage Starts Here, in Texas and Nationwide
No Call Centers! No Scripts! Just a Direct Line to Me!
Whether you're turning 65, newly Medicare-eligible, or already enrolled and wondering if there's a better plan out there, you've found the right place. Insurance Girl is licensed to help clients nationwide, and April's guidance costs you nothing.
Available Monday through Friday, 9 AM–5 PM CT – speak directly with April.
Medicare Is a Decision With Real Deadlines
Insurance Girl is a licensed, independent insurance agent who has been helping Medicare-eligible individuals find the right coverage across the United States since 2017. Medicare is federal health insurance designed to take care of you—covering hospital care (Part A), outpatient medical services (Part B), and prescription drugs (Part D). You're eligible at 65 if you're a U.S. citizen or permanent resident who has paid into Social Security or earlier with a qualifying disability.
When you turn 65, you have a 7-month enrollment window. Missing it matters—late enrollment in Part B carries a permanent 10% surcharge for every year you were eligible but didn't sign up.
That's where April comes in. She's not tied to any one carrier, takes the time to compare every option available in your area, and stays with you even after you're enrolled. When you call, you get a real person who genuinely cares about getting it right for you.
Medicare Plan Types Explained in Plain Terms
Choosing the wrong plan type affects every doctor visit and every prescription for the next year. There's no universal right answer, because the right plan depends on which doctors you see, which medications you take, and how often you actually use your coverage. April walks every client through each option so the decision is based on how you use healthcare, not on what looks cheapest on a comparison chart.
Original Medicare Covers Hospital and Medical Care
Medicare Part A is hospital insurance, covering inpatient hospital stays, skilled nursing facility care, and hospice. Part B is medical insurance, covering outpatient care, doctor visits, preventive services, and durable medical equipment. Original Medicare has no annual out-of-pocket maximum, which means your costs can add up quickly without a supplemental plan alongside it.
Medicare Supplement Fills the Gaps Original Medicare Leaves
Medicare Supplement, also called Medigap, is a private insurance policy that pays the costs Original Medicare doesn't cover, including copays (the fixed dollar amount you pay per visit), coinsurance (the percentage of costs you share after your deductible), and hospital deductibles. You keep your Original Medicare and add Medigap on top of it. Any provider that accepts Medicare accepts Medigap, so you keep broad provider access nationwide.
Medicare Advantage Bundles Coverage Into One Plan
Medicare Advantage (Part C) is an alternative to Original Medicare, a private insurance plan that must cover everything Original Medicare covers and often adds dental, vision, and prescription drug coverage. These plans typically require you to use a provider network. Monthly premiums, the amount paid each month for coverage separate from any deductible, are often low or even zero, but network restrictions can limit which providers you can see.
Part D Covers Prescription Drugs Regardless of Plan Type
Medicare Part D is standalone prescription drug coverage available to anyone on Original Medicare. Medicare Advantage plans frequently include Part D built in. Each Part D plan maintains a formulary, the list of drugs the plan covers and at what cost tier. Before choosing a plan, compare formularies against your actual medication list. The lowest-premium plan is not always the lowest-cost plan once your specific drugs are factored in.
Don't rely on a website calculator or a carrier hotline to make this decision. Get your free Medicare comparison from April and talk through your actual situation with someone who has no stake in which plan you pick.
Medicare Enrollment Timing Determines Your Lifetime Cost
Initial Enrollment Period (IEP): Your IEP is a 7-month window that starts 3 months before the month you turn 65, includes your birthday month, and runs 3 months after. Enrolling during that first three-month stretch means your coverage starts on the first day of your birthday month. Waiting until the final months of your IEP delays your coverage start date and can create a gap in coverage you didn't plan for.
Special Enrollment Period (SEP): If you're still covered by employer-sponsored group health insurance when you turn 65, you can delay Medicare enrollment without a penalty. When that employer coverage ends, a Special Enrollment Period opens, typically an 8-month window to enroll in Medicare Part B with no late penalty. This only applies to current, active group coverage through an employer, not COBRA or individual market coverage.
Annual Enrollment Period (AEP): The AEP runs October 15 through December 7 every year. If you're already on Medicare, this is your window to switch from Original Medicare to Medicare Advantage, change your Medicare Advantage plan, update your Part D drug plan, or return to Original Medicare. Any changes you make during the AEP take effect January 1 of the following year.
IRMAA: IRMAA, or Income-Related Monthly Adjustment Amount, is a surcharge added to your Medicare Part B and Part D premiums if your income from two years ago exceeded a certain threshold. It's based on your prior tax return, which means a higher-earning year can raise your Medicare costs before you realize it. If your income has dropped since then due to retirement or another life event, you may be able to request a review and have the surcharge reduced. Many clients don't discover IRMAA until they see their first Medicare bill.
Every one of these windows has a deadline that affects what you pay for the rest of your Medicare enrollment. April tracks enrollment windows for every client she works with and reaches out before the critical dates, not after they've already passed.
Medicare Questions April Hears Every Day
What is the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement (Medigap) works alongside Original Medicare. You keep your Medicare and add a private policy that covers your share of the costs. Medicare Advantage replaces Original Medicare with a private plan that bundles hospital, medical, and usually drug coverage into one. Both have real trade-offs, and the right choice depends on which providers you see, what medications you take, and how often you use care.
Can I switch Medicare plans after I enroll?
Yes. The Annual Enrollment Period (October 15 through December 7) lets you switch between Original Medicare and Medicare Advantage, change Advantage plans, or update your Part D drug coverage. There are also special circumstances, like moving or losing other coverage, that open a Special Enrollment Period. April can confirm which window applies to your specific situation.
What is IRMAA and does it apply to me?
IRMAA stands for Income-Related Monthly Adjustment Amount. It's a surcharge added to your Medicare Part B and Part D premiums if your income reported two years ago exceeded a certain threshold. If your income has dropped since then due to retirement or another life change, you can appeal. April can help you determine whether IRMAA applies to your situation and whether an appeal makes sense.
Does working with April cost me anything for Medicare guidance?
Nothing. April is compensated directly by the insurance carrier when she places a client in a Medicare plan. You pay only the plan's premium, the same amount you would pay if you enrolled on your own. The difference is that April shops every plan available in your area and explains the real-world cost difference between them before you decide.
What happens if I miss my Medicare enrollment window?
Missing the Initial Enrollment Period without qualifying for a Special Enrollment Period triggers a late enrollment penalty on Medicare Part B, 10% for each 12-month period you were eligible but did not enroll. That penalty is added to your premium permanently. The Part D late penalty works similarly. April tracks enrollment windows and alerts clients before the deadlines, not after they've passed.
Talk to April Before You Enroll – Not After
April is a real person, not a call center. She's Licensed nationwide and has been placing clients in the right Medicare coverage since 2017. Her help costs nothing, because carriers pay her fee directly.
Available Monday–Friday, 9 AM–5 PM CT. No scripts. No hold music.
