Frequently Asked Questions

We serve seniors throughout the Greater Houston area including Crosby, Baytown, Humble, Kingwood, Atascocita, Galveston, Pasadena, League City, Pearland, and Sugar Land. All consultations are available by phone or video, so we also serve clients across all of Texas, North Carolina, Oklahoma, and California — anywhere with a phone signal. There is no travel required and no in-person office visit needed.

Our services are 100% free to you. We are paid directly by the insurance carriers when you enroll in a plan through us. You never pay us a fee, and working with us costs you nothing more than going directly to an insurance company. The plan pricing is identical either way — so you get expert, personalized guidance at zero extra cost.

It depends on the size of your employer:

20 or more employees: Your employer's group health plan is your primary insurance. You can delay enrolling in Part B without penalty as long as you have that coverage. Once you retire or lose that coverage, you have an 8-month Special Enrollment Period to sign up for Part B penalty-free.

Fewer than 20 employees: Medicare becomes your primary insurance at 65, and you should enroll in both Parts A and B on time to avoid gaps in coverage and late penalties.

Not sure which applies to you? Give us a call — this is one of the most common mistakes we help people avoid.

HMO (Health Maintenance Organization): Care is coordinated through a primary care physician within a network. Because of this structure, HMOs typically offer lower premiums and reduced out-of-pocket costs — a great fit for people who want predictable expenses and streamlined care.

PPO (Preferred Provider Organization): You can see any doctor or specialist, in or out of network, without a referral. This works well for people who travel often, have established relationships with specific doctors, or prefer maximum freedom of choice.

We'll show you both options side by side and help you decide with no pressure.

Medicare Advantage (Part C) replaces Original Medicare. It bundles hospital, medical, and often drug coverage into one private plan. Many plans have $0 premiums and include dental, vision, and hearing. However, you are limited to the plan's network of doctors.

Medicare Supplement (Medigap) works alongside Original Medicare. It covers the "gaps" — like copays and deductibles — while letting you see any doctor in the country who accepts Medicare. No networks, no referrals.

The right choice depends on your health, your doctors, your budget, and your lifestyle. We'll walk you through both with no pressure.

If you're already on Social Security: You will be automatically enrolled in Parts A and B and receive your Medicare card about 3 months before your 65th birthday.

If you're NOT on Social Security yet: You must actively enroll. Your Initial Enrollment Period is a 7-month window starting 3 months before the month you turn 65. Missing this window without creditable coverage can result in permanent late enrollment penalties.

Either way, we recommend reaching out a few months before your 65th birthday so we can make sure everything is in order.

Original Medicare (Parts A & B) does not cover routine dental, vision, or hearing. This surprises a lot of people.

Medicare Advantage plans often include these benefits as part of their bundled coverage. Standalone dental, vision, and hearing plans are also available year-round if you have a Medicare Supplement plan.

We'll make sure whatever plan you choose covers the benefits that matter most to you.

Part B late penalty: Your monthly Part B premium increases by 10% for every 12-month period you were eligible but didn't enroll. This penalty is permanent.

Part D late penalty: A similar penalty applies for prescription drug coverage — 1% of the national base premium for every month without creditable drug coverage.

If you've missed your window, don't panic — but don't wait. Call us today. Depending on your situation, a Special Enrollment Period may be available.

Medicare Open Enrollment runs October 15 – December 7 each year. During this period you can switch from Original Medicare to Medicare Advantage (or vice versa), switch between Advantage plans, or join, switch, or drop a Part D drug plan.

Changes made during Open Enrollment take effect January 1. We contact all of our clients each fall to review their plans and make sure they're still in the best option for the year ahead.

There's no single "best" plan — it depends on your specific doctors, prescription drugs, budget, health situation, and how much you travel. That's exactly why working with an independent broker like BCS Insurance Group is valuable: we have access to multiple carriers and zero loyalty to any one of them.

A 15-minute conversation is all it takes to figure out what direction makes the most sense for you. Call or text 281-254-0139 or request a free consultation.