Medicare Insurance Agents in Fort Worth, TX
Turning 65, new to Medicare or reviewing your plan for 2027? Our licensed agents explain your options, compare plans from the carriers we represent and help you enroll, at no cost to you.
What Medicare is
Medicare is federal health insurance for people 65 or older, people under 65 with certain disabilities, and people with end-stage renal disease. It has several parts, and private insurers offer Medicare-approved plans that add to or replace Original Medicare. Choosing between them is where a local agent helps.
The parts of Medicare
Original Medicare is Part A and Part B. The other options are offered by private insurance companies approved by Medicare.
Hospital insurance
Inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
Medical insurance
Doctor visits, outpatient care, lab tests, X-rays, preventive services and vaccines.
Medicare Advantage
Private plans that include Part A and Part B benefits, and often drug coverage, dental and vision.
Learn more →Prescription drug coverage
Most Medicare Advantage plans include it. With Original Medicare you add a stand-alone Part D plan.
Learn more →Medicare Supplement
Private plans that help pay deductibles, copays and coinsurance left by Original Medicare.
Learn more →When you can enroll or make changes
Swipe the table sideways to see it all →
| Enrollment period | When | What you can do |
|---|---|---|
| Initial Enrollment Period | 7 months: starts 3 months before the month you turn 65 | Sign up for Medicare for the first time |
| Annual Enrollment Period | October 15 – December 7 each year | Join, switch or drop a Medicare Advantage or Part D plan for the next year |
| Medicare Advantage Open Enrollment | January 1 – March 31 | Switch to another Medicare Advantage plan, or return to Original Medicare |
| General Enrollment Period | January 1 – March 31 | Sign up if you missed your first chance. Late penalties may apply |
| Special Enrollment Period | After certain life events | Make changes after a move, losing other coverage or qualifying for help |
What Original Medicare costs in 2026
These are the standard amounts set by CMS for 2026. CMS announces the 2027 amounts each fall.
Part A (hospital)
| Premium | $0 for most people. $311 or $565 a month if you or your spouse worked less than 10 years paying Medicare taxes |
| Deductible | $1,736 per benefit period |
| Days 1–60 | $0 after the deductible |
| Days 61–90 | $434 a day |
| Days 91–150 | $868 a day (lifetime reserve days) |
| After day 150 | You pay all costs |
Part B (medical)
| Premium | $202.90 a month (standard; higher incomes pay more) |
| Deductible | $283 a year |
| After the deductible | Usually 20% of the Medicare-approved amount |
| Late enrollment | 10% added to your premium for each full year you could have had Part B but didn’t |
Part D drug plans have a yearly out-of-pocket cap: $2,100 in 2026, rising to $2,400 in 2027.
How to choose a plan
The right plan depends on your health, your budget and how you like to get care. We look at:
Not sure where to start?
Bring your list of doctors and prescriptions. We’ll compare your options side by side and explain the trade-offs in plain language.
Help paying for Medicare
If your income and savings are limited, these programs can lower what you pay:
- Extra HelpAlso called the Part D Low-Income Subsidy. Lowers Part D premiums, deductibles and copays.
- Medicare Savings ProgramsQMB, SLMB, QI and QDWI help pay Part A or Part B premiums and, for QMB, deductibles and coinsurance. Run by Texas Health and Human Services.
- MedicaidA joint federal and state program that can help with premiums and cost-sharing if you meet income and asset limits.
We can help you check whether you might qualify and point you to the right office to apply.
How we help
- ListenYour doctors, prescriptions, health and budget.
- CompareMedicare Advantage, Supplement and Part D options from the carriers we represent.
- EnrollWe help you apply and explain what happens next.
- Stay in touchHere for questions, claims help and yearly plan reviews.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- We represent 10 organizations offering 55 Medicare products in our area
- No cost to you for our help. Premiums are the same as buying directly
- Help in English or Spanish
- Medicare plus auto, home, life and business insurance under one roof
Carolina Cox on our team can review your Medicare options with you in Spanish.
Medicare questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
When can I first sign up for Medicare?
Your Initial Enrollment Period lasts 7 months. It starts 3 months before the month you turn 65, includes that month, and ends 3 months after.
What can I change during Open Enrollment (October 15 – December 7)?
You can join, switch or drop a Medicare Advantage plan or a Part D drug plan. Changes take effect January 1.
Can I change my Medicare Advantage plan after January 1?
Yes. From January 1 to March 31 you can switch to another Medicare Advantage plan or go back to Original Medicare, once.
What is the difference between Medicare Advantage and a Medicare Supplement?
Medicare Advantage replaces Original Medicare with a private plan, usually with a provider network and often with drug coverage included. A Medicare Supplement works alongside Original Medicare, lets you see any provider that accepts Medicare, and is usually paired with a separate Part D drug plan.
Do I have to sign up for Part B if I am still working at 65?
Not always. If you have group health coverage through your own or your spouse’s current employer, you may be able to delay Part B without a late penalty. The rules depend on your employer’s size and coverage, so talk with us before you decide.
Will my Medicare plan change next year?
It can. Plans can change premiums, drug lists, networks and benefits each year. Your plan sends an Annual Notice of Change in the fall, and the Annual Enrollment Period is your chance to switch.
Does it cost anything to use a Medicare agent?
No. There is no charge for our help. Plan premiums are set by the insurance companies and are the same whether you enroll through us or directly.
Do you offer Medicare help in Spanish?
Yes. Hablamos español. Carolina Cox on our team can review your Medicare options with you in Spanish.
Serving Tarrant County and the Dallas–Fort Worth area
From our Fort Worth office we help Medicare clients in person, by phone and online.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Talk to a Medicare agent in Fort Worth
We’ll explain your options in plain language and compare plans from the carriers we represent. No cost, no obligation.