Trusted Medicare Agent in Richardson
for Personalized Insurance Guidance
Medicare has a lot of moving parts (A, B, C, D… plus supplements). As licensed independent insurance agents, we help you understand your choices and compare coverage — so you can enroll with confidence and avoid costly lifetime penalties.
David Morris
Licensed Insurance Agent / Partner
Richardson, Texas • Collin & Dallas County
“My priority is helping you cut through the confusion of Medicare. We look at your exact doctor network and medications to find the coverage that genuinely fits your life and pocketbook.”
Approaching 65 or Reviewing Your Current Medicare?
Download our free 2025/2026 Medicare Options & Enrollment Guide.
We'll Help You Compare Your Medicare Choices
Understanding the alphabet soup of Medicare is the foundation of making the right choice for your health and retirement savings.
Original Medicare
Part A (Hospital) & Part B (Medical)
Hospital + medical coverage basics administered directly by the federal government. Includes doctor visits, inpatient stays, and standard outpatient services. Leaves 20% coinsurance gaps with no annual out-of-pocket maximum.
Medicare Advantage
Part C Private Plans
A private-plan alternative approved by Medicare that bundles Part A + Part B, and usually Part D drug coverage. Often includes dental, vision, hearing, and gym benefits, utilizing local HMO/PPO provider network rules.
Medicare Supplement
Medigap Plans (G, N, etc.)
Helps cover out-of-pocket gaps (deductibles, copayments, coinsurance) in Original Medicare. You can see any doctor or specialist in the country who accepts Medicare with zero network referrals required.
Prescription Drugs
Part D Coverage
How drug formularies, pharmacy networks, copays, and lifetime late enrollment penalties are determined. We input your exact medications into Medicare's portal to find the lowest total yearly cost.
Timing Matters (and we'll walk you through it)
Enrolling in Medicare is strictly governed by federal timelines. Missing a deadline can result in lifelong penalties and delayed coverage.
Initial Enrollment Period (IEP)
7-Month Window Around Your 65th Birthday
Begins 3 months before your 65th birthday month, includes your birth month, and ends 3 months after. This is your primary golden window to enroll in Part A, Part B, and your choice of supplement or Advantage plan.
Special Enrollment Periods (SEP)
Retiring or Losing Group Employer Coverage
If you or your spouse continue working past 65 and have creditable employer group health coverage, you may delay Medicare without penalty and enroll during an 8-month SEP when you retire.
Avoiding Lifetime Penalties
Part B & Part D Late Penalties
Delaying Part B without creditable coverage adds a 10% penalty for every 12-month period delayed—for the rest of your life! Part D late penalties also accumulate month-by-month. We protect you from these mistakes.
Confused About Medicare Enrollment?
Our Licensed Guidance is Available to You at NO Cost.
You never pay a penny for our consultation, plan comparisons, or ongoing customer service. We represent the nation's leading carriers, bringing clear, honest guidance right to your neighborhood in Richardson, Texas.
Trusted Medicare Agents in Richardson, TX
Choosing the right Medicare coverage can feel overwhelming, especially with so many plan options, benefits, and enrollment rules to consider. At True Health Insurance Group (formerly 12 Stones Financial Services), we provide trusted Medicare guidance for individuals and families in Richardson who want to better understand their Medicare options and make confident decisions about their healthcare coverage.
As experienced Medicare agents in Richardson, we help clients navigate Medicare plans, compare available options, and find solutions that align with their healthcare needs, budget, and lifestyle. Our goal is to simplify the Medicare process and provide personalized support every step of the way. Based in Richardson, TX, we also serve clients nationwide.
Medicare Insurance Solutions in Richardson
Medicare decisions are important because the right plan can impact your healthcare coverage, costs, and benefits. At True Health Insurance Group, we help Richardson residents understand their Medicare choices and select coverage options that fit their unique circumstances.
Whether you are new to Medicare or reviewing your current coverage, our team provides clear information and guidance to help you make informed choices.
Experienced Medicare Insurance Agents in Richardson
Finding the right Medicare plan requires more than simply choosing an option from a list. A knowledgeable Medicare insurance agent can help you understand plan details, benefits, costs, and coverage differences.
We focus on providing personalized service rather than a one-size-fits-all approach.
At True Health Insurance Group, our agents take the time to evaluate options based on factors that matter to you:
Helping Richardson Residents Navigate Medicare Options
Medicare can be complex, but you do not have to navigate the process alone. Our team at True Health Insurance Group helps Richardson residents understand important Medicare decisions, including enrollment timelines, plan differences, and coverage options.
We work with individuals who are:
- Preparing to enroll in Medicare for the first time
- Reviewing existing Medicare coverage during Annual Enrollment
- Exploring Medicare Advantage vs. Supplement choices
- Comparing available insurance solutions across top carriers
Medicare Guidance for Those Approaching Retirement
Planning ahead is an important part of preparing for Medicare. Many individuals begin researching their options around age 64 so they have enough time to understand their choices and avoid last-minute rush decisions or gaps in coverage.
At True Health Insurance Group, we help Richardson residents prepare for Medicare by explaining enrollment periods, coordinating with retiree health benefits or COBRA, and clarifying important factors to consider when selecting a plan.
Why Choose True Health Insurance Group?
Choosing the right Medicare agent in Richardson means working with someone who understands your needs and provides reliable guidance. At True Health Insurance Group, we are committed to helping clients make informed insurance decisions with confidence.
Every client's doctors and prescription list are evaluated individually to find the ideal match.
Licensed in Texas and nationwide, with deep familiarity with North Texas hospital and doctor networks.
No confusing insurance jargon. We break down deductibles, copays, and rules simply.
We assist through paperwork, online submission, and confirm your ID cards arrive on time.
Zero pressure, zero quotas. Our obligation is 100% to your healthcare outcome and budget.
When formularies change or you have billing questions, you call us directly—not an overseas 1-800 line.
Personalized Medicare Support You Can Trust
Every person has different healthcare needs, which is why Medicare planning should be personalized. Our team takes the time to understand your situation and provide recommendations based on your goals. Whether you are enrolling in Medicare for the first time or reviewing your current coverage, True Health Insurance Group is here to provide trusted guidance and support.
Meet Your Richardson Insurance Advisors
Personal, one-on-one service from licensed agents you can trust and reach whenever you have questions.
David Morris
Licensed Insurance Agent / Partner
Specializing in Turning 65 Medicare transitions, Medicare Supplement comparisons, and Advantage plan optimization across Dallas and Collin counties.
Scott Stanwix
Licensed Insurance Agent / Partner
Dedicated to guiding individuals and families through comprehensive life and Medicare health solutions with personalized, attentive care.
Frequently Asked Questions
Have questions about your coverage or eligibility? Here are the most common questions we answer for Richardson residents.
Still have a specific question about your doctor, prescriptions, or timeline?
Contact a Medicare Agent in Richardson Today
If you are looking for a knowledgeable Medicare insurance agent in Richardson, True Health Insurance Group is ready to help. Contact our team today to discuss your Medicare options and receive personalized guidance designed around your healthcare needs.