A
Part A — Hospital
Inpatient hospital stays, skilled nursing care, hospice. Most people have paid for this through working years, so it usually costs no premium.
Home/Medicare
Medicare · Houston, TX
Every part of Medicare, explained by a real person
From the essential Parts A and B to the options that extend coverage beyond Original Medicare, we cover it all. Turning 65 is a privilege, but it comes with decisions that can affect you years down the road.
No cost to you
No obligation
Hablamos español
Free, no obligation
Book a one-on-one 30 minute Medicare crash course
Thirty minutes on the phone with Nelson or Mario and you will finally understand what you are choosing between. No sales pitch, no cost, and no pressure to switch anything.
Mon–Fri 9am–6pm, Sat 10am–2pm. Leave a message outside those hours and we call you back.
30 minutesis usually all it takes
Independent agents comparing 12 major carriers
The alphabet, decoded
What each part of Medicare actually does
You do not need to memorise this. You just need someone who already has.
B
Part B — Medical
Doctor visits, outpatient care, lab work, preventive services and medical equipment. This one carries a monthly premium.
C
Part C — Medicare Advantage
A private plan that bundles A and B, usually with prescriptions, and often dental or vision. Networks and costs vary a lot between plans, which is where we come in.
D
Part D — Prescriptions
Drug coverage. The right plan depends entirely on the medications you actually take, so bring your list and we will check it against each one.
SUP
Supplement — Medigap
Sits alongside Original Medicare and picks up costs it leaves behind. An alternative route to Advantage, with different trade-offs worth understanding.
Which one is right for me?
That depends on your doctors, your prescriptions and your budget. It is a 10 minute conversation, not a research project.
Ask us directlyWhen to enroll
Your window is seven months long
It opens three months before the month you turn 65, and it closes three months after. We guide you from beginning to end.
−3
Three months before
Your window opens. This is the calmest time to look at your options, while nothing is urgent yet.
65
Your birthday month
We help you solicit Parts A and B from Social Security, then pick the plan that fits your doctors and prescriptions.
+3
Three months after
The window closes. Most plans start on the first of the next possible month, so enrolling early avoids a gap.
Missing your window can cost you. Enrolling late can add a penalty to your premium for as long as you hold the coverage. One phone call now makes sure that does not happen to you.
Integrity Insurance
Why choose us for Medicare?
We are AHIP-certified and work with around 700 Medicare clients. We help you navigate the details with personal care and attention.
Stress-free process
We compare plans for you, saving you time and taking the confusion out of Medicare.
No extra cost
Our services are free to you. We are paid by the insurance companies, never by you.
Family-centered care
With our family-focused approach we are here to guide and support you, just like we would for our own loved ones.
Long-term support
We are here whenever your needs change, providing the care and attention you deserve.
★★★★★“Integrity Insurance are always willing to go above and beyond to help me and my family with any health insurance questions. I totally recommend them 100%.”
Common questions
The things people ask us first
For health insurance we specialize in Medicare Advantage, Medicare Supplement, and ACA Marketplace plans. For life insurance we specialize in all types of life insurance plans as well as end of life insurance.
To enroll in Medicare you have a seven-month window, starting three months before the month of your 65th birthday. We guide you from beginning to end: starting with soliciting Medicare Parts A & B from Social Security, and ending with picking the best plan for your needs.
Never. Our primary goal is to provide information, and all of that information is publicly available. We do earn when you choose us as your agents, because as independent agents we work on a commission basis with the carriers.
We can't guarantee you will always be able to change your policy immediately. Both Medicare plans and ACA plans have specific times of the year to make changes, unless you qualify for a special enrollment period. Just to be safe, always reach out and we can see if you meet any of the requirements.
Most plans start on the first of the next possible month. Sometimes enrollment can be delayed to the first of a later month. Generally, enrollment will not be effective immediately.
Still not sure where to start?
Call and ask one question. There is no cost, no obligation, and you talk to Nelson, Diana or Mario every time.