Do you meet with Houston clients in person?

Our only office is in Austin, so Houston-area appointments are handled by phone or video. Everything from a first review to enrollment can be completed remotely.

Which is better in Houston, Medicare Advantage or a Medigap policy?

Neither is better as a rule. Medigap generally offers wider provider access with a higher monthly premium; Medicare Advantage typically has network rules with lower premiums and cost sharing when you use care. The fit depends on your providers and budget.

Medicare plans in Houston, Texas

Houston stretches across Harris County and into Fort Bend and Montgomery counties, and traffic often decides where people actually receive care. Medicare Advantage networks and Part D pharmacy pricing are built around geography, so the practical question in Houston is usually which plan works for the clinics, specialists, and pharmacies you can realistically reach. RGI Group is a licensed independent Texas insurance agency helping Houston-area beneficiaries compare their options by phone or virtual appointment, in English or Spanish.

A very large metro with very different corners

A beneficiary in west Houston, one in Pasadena, and one near The Woodlands may all describe themselves as Houston residents while living in different counties and different plan service areas. Start by confirming your county, then compare only the plans that actually serve it.

Distance and referrals are part of the decision

Houston has a deep concentration of specialty care, but reaching it can mean a long drive. If a plan requires referrals or in-network specialists, the combination of network rules and Houston distances can change how easy it is to get an appointment. That is worth thinking through before enrollment rather than during a health event.

Hurricane season and continuity of care

Gulf Coast households sometimes relocate temporarily during storm season. Ask how a plan handles care received outside its service area and what documentation you would need, since rules for temporary absences and emergencies are not identical across plan types.

Questions to ask before choosing a plan

Is my address in Harris, Fort Bend, or Montgomery County for plan purposes?
Are my specialists and preferred hospital in the plan's network for the coming year?
Does the plan require referrals, and how long do those typically take?
How would this plan cover care if I temporarily relocate during storm season?

Frequently asked questions

Do you meet with Houston clients in person? Our only office is in Austin, so Houston-area appointments are handled by phone or video. Everything from a first review to enrollment can be completed remotely.
Which is better in Houston, Medicare Advantage or a Medigap policy? Neither is better as a rule. Medigap generally offers wider provider access with a higher monthly premium; Medicare Advantage typically has network rules with lower premiums and cost sharing when you use care. The fit depends on your providers and budget.

Important notice

Plan availability, benefits, and any Part B premium reduction vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday.
We do not offer every plan available in your area. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program. Any information we provide is limited to the plans we offer in your area. To find all of your options, contact Medicare.gov, 1-800-MEDICARE, or the Texas Health Information, Counseling and Advocacy Program (HICAP).

Talk with a licensed Texas agent

Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.