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ACA · Medicare · Supplemental · Dental

Health coverage, handled with care.

Licensed local agents who compare plans for you — at no cost. Clear answers, honest advice, and support long after you enroll.

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The right plan for every stage of life.

Under 65

ACA Marketplace

Find out if you qualify for subsidies that can lower your monthly premium — sometimes to $0.

  • ✓Subsidy & tax credit checks
  • ✓Individual & family plans
  • ✓Special enrollment help
65 & over

Medicare Advantage

All-in-one plans that may include dental, vision, hearing, and prescription coverage.

  • ✓HMO, D-SNP & C-SNP options
  • ✓Extra benefits compared
  • ✓Doctor & drug network checks
65 & over

Supplement & Part D

Fill the gaps in Original Medicare and keep your prescriptions affordable.

  • ✓Medigap plan comparison
  • ✓Part D drug plan reviews
  • ✓Annual plan check-ups
All ages

Hospital Indemnity

Cash benefits paid directly to you when you're admitted to the hospital.

  • ✓Daily hospital stay benefits
  • ✓Helps cover deductibles & copays
  • ✓Use the money however you need
All ages

Critical Illness

A lump-sum payment if you're diagnosed with a covered illness like cancer, heart attack, or stroke.

  • ✓Lump-sum cash benefit
  • ✓Covers major diagnoses
  • ✓Protects your savings
All ages

Dental

Affordable dental coverage for cleanings, fillings, and major work.

  • ✓Preventive care covered
  • ✓Fillings, crowns & dentures
  • ✓Large dentist networks

Mark your calendar

Key enrollment periods.

Medicare
Oct 15 – Dec 7

Annual Enrollment Period (AEP)

Join, switch, or drop Medicare Advantage and Part D plans. Coverage starts Jan 1.

Medicare
Jan 1 – Mar 31

Medicare Advantage Open Enrollment

Already in Medicare Advantage? Switch plans once or return to Original Medicare.

Medicare
7-month window

Initial Enrollment Period (IEP)

Starts 3 months before the month you turn 65 and ends 3 months after.

Medicare
Jan 1 – Mar 31

General Enrollment Period

Missed your first chance at Part A or B? Sign up now; coverage starts the next month.

ACA
Nov 1 – Jan 15

Open Enrollment Period

Enroll in or change Marketplace plans. Sign up by Dec 15 for coverage starting Jan 1.

ACA
60 days after a life event

Special Enrollment Period (SEP)

Moving, marriage, a new baby, or losing coverage can let you enroll outside open enrollment.

Dates shown are federal standards; some states with their own Marketplace have different deadlines.

Simple, from start to finish.

01

Tell us about you

A short call about your doctors, prescriptions, and budget.

02

We compare plans

We review options from multiple carriers side by side.

03

You choose & enroll

We handle the paperwork and stay with you year after year.

Talk to a licensed agent today.

No pressure, no obligation. We'll reach out to schedule a free plan review.

(281) 858-3270

States we serve

Arizona, California, Delaware, Florida, Indiana, Iowa, Kansas, Louisiana, Maryland, Michigan, Mississippi, Nevada, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin

Request for Future Contact

I grant permission for licensed insurance agent Otha Howse to contact me to discuss my health insurance and/or Medicare coverage options.

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