New to Medicare?
If you're approaching 65 or wondering when to start Medicare, we can help you understand your enrollment options, including whether you should enroll or delay your coverage based on your specific situation.
Leaving Employer Coverage?
If you're over 65 and transitioning from employer coverage, we'll guide you through the process of starting Medicare Parts A and B. We provide a clear roadmap for enrollment and detailed cost estimates for your Medicare options to ensure a smooth transition without gaps in your healthcare coverage.
Medicare 101 Education
We offer a comprehensive Medicare 101 presentation that covers everything you need to know about Medicare, including how to sign up, when to enroll, and the different coverage options available to you.
Personalized Guidance
We review your doctors and medications to help you find Medicare options that work for your specific healthcare needs and budget, ensuring you have the right coverage in place.
Our Medicare Services
Medicare Enrollment Assistance
We guide you through the Medicare enrollment process, helping you understand when and how to sign up to avoid penalties. Whether you're retiring, turning 65, or have special circumstances, we'll ensure you're on the right track.
Medicare Supplement Plans
Also known as Medigap, these plans work alongside Original Medicare to help cover costs like deductibles, copayments, and coinsurance. We'll help you compare options from different insurance carriers.
Prescription Drug Plans (Part D)
We analyze your medication needs to find the most cost-effective prescription drug coverage, ensuring your essential medications are covered at the best possible price.
Medicare Advantage Plans
These all-in-one alternatives to Original Medicare often include prescription drug coverage and extra benefits. We help you explore options that maintain access to your preferred doctors and hospitals.
Annual Coverage Reviews
Healthcare needs change, and so do Medicare plans. We offer annual reviews to ensure your coverage continues to meet your needs as both your health situation and available plans evolve.
Cost Comparison Analysis
We provide clear, transparent information about premiums, out-of-pocket costs, and total expected expenses for each option, helping you make financially informed decisions.
Our Medicare Consultation Process
- Initial Consultation. We begin with a personalized consultation to understand your healthcare needs, preferences, current doctors, and medications.
- Medicare 101 Education. We provide our educational Medicare 101 presentation to ensure you understand all aspects of Medicare coverage and how it works.
- Options Analysis. We review your Medicare Supplement with Prescription Drug Plan options and Medicare Advantage Plan options, analyzing coverage and costs for each.
- Provider & Medication Check. We verify that your preferred doctors, hospitals, and medications are covered under the plans we recommend.
- Premium Transparency. We clearly explain the premiums for each option, ensuring you understand the costs associated with your coverage choices.
- Enrollment Assistance. Once you've selected a plan, we help you with the enrollment process, ensuring all paperwork is completed correctly and submitted on time.
- Ongoing Support. Our relationship doesn't end with enrollment. We provide continued support and annual reviews to ensure your coverage remains optimal for your needs.
Frequently Asked Questions
When should I enroll in Medicare?
Most people should enroll in Medicare during their Initial Enrollment Period (IEP), which begins 3 months before their 65th birthday, includes their birth month, and ends 3 months after. However, if you're still working and covered by employer insurance, you might be eligible to delay enrollment without penalties. We can help determine the best timing for your specific situation.
What if I'm leaving employer coverage after age 65?
If you've delayed Medicare because you had employer coverage and are now retiring or losing that coverage, you qualify for a Special Enrollment Period. We'll guide you through the process of enrolling in Medicare Parts A and B through Social Security, help you understand your timeline to avoid coverage gaps, and provide personalized estimates for supplemental coverage options. Our step-by-step approach ensures you have all the coverage you need at the right time.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplements (Medigap) work alongside Original Medicare, helping cover costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare, often bundling hospital, medical, and prescription drug coverage into one plan, sometimes with additional benefits like dental and vision. Each approach has different costs, benefits, and networks that we can help you navigate.
Will Medicare cover all my healthcare costs?
Original Medicare (Parts A & B) covers many healthcare services but doesn't cover everything. There are deductibles, copayments, and coinsurance, plus some services like dental, vision, and prescription drugs require additional coverage. We'll help you understand what's covered and recommend appropriate additional coverage for your needs.
How do I ensure my medications are covered?
Prescription drug coverage comes through Medicare Part D plans or as part of Medicare Advantage plans. Each plan has its own formulary (list of covered drugs) and cost structure. We'll analyze your specific medications against available plans to find the most cost-effective coverage for your prescription needs.
Can I keep my current doctors with Medicare?
With Original Medicare plus a Supplement, you can see any doctor that accepts Medicare patients. Medicare Advantage plans typically have provider networks that may limit which doctors you can see. We'll check whether your preferred doctors accept the Medicare options we recommend.
What Our Clients Say
Ready to Simplify Your Medicare Journey?
Schedule your free Medicare consultation today. We'll help you understand your options and find the coverage that's right for you.
Phone: (512) 807-9594
Email: Team@rfimasters.com
Address: 7710 N FM 620
Building 13-D, Suite 109
Austin, Texas, 78726
Important Information
Medicare Disclaimer
We do not offer every Medicare plan available in your area. Currently we represent 10 organizations which offer 48 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options.
No Cost to You
There is no cost to work with our agents/brokers. Our services are provided at no charge to you, as we are compensated by the insurance companies when you enroll in a plan through us.