Three States. One Agent Who Knows Each One.
Medicare rules differ by state — available plans, enrollment windows, and pricing all vary. I'm licensed in Texas, California, and Indiana so your review is specific to where you actually live.
State-by-State Plan Landscape
Texas
California
Indiana
Texas follows federal Medigap rules with no additional state protections. Medicare Advantage network options vary widely by county — urban and rural coverage gaps are real and worth mapping before you choose.
California has state-specific Medigap protections, including an annual birthday rule that lets you switch plans each year. Knowing that window can directly affect your out-of-pocket costs going forward.
Indiana's Medicare Advantage market is competitive with multiple carriers, but plan networks can differ sharply between metro and rural areas. Confirming your doctors are in-network before enrollment prevents surprises.
Same Agent. Your State. Your Actual Situation.
No matter which of the three states you're in, you get one-to-one attention from a licensed agent who knows your local plan landscape — not a call center reading from a script.