Independent Medicare Advocacy · Texas & Florida
Insurance companies spend millions during Open Enrollment hoping you'll sign up for the wrong plan. We exist to make sure that doesn't happen to you — at zero cost.
What We're Up Against
Every Open Enrollment season, millions of Medicare beneficiaries are pushed toward plans that benefit the carrier — not them. Here's how it happens.
Gym memberships, dental, vision — Medicare Advantage plans advertise extras to distract you from what really matters: network restrictions, prior authorizations, and out-of-pocket maximums that can cost you thousands when you actually get sick.
Your doctor orders a procedure. Your plan says no. Medicare Advantage plans deny claims at rates far higher than Original Medicare — a fact buried deep in fine print no one reads at enrollment time.
You enroll in a plan. Three months later, your specialist leaves the network. Now you're paying out-of-pocket or switching doctors. Captive agents pushing one carrier don't tell you to check network stability before you sign.
That friendly person at the kiosk representing one company only has one company's plans to sell you. They're not comparing anything. They're filling a quota. You deserve someone who works for you.
Those 1-800 numbers on TV connect you to call centers with agents juggling hundreds of clients. They don't know your doctors, your prescriptions, or your county. They know their script.
Insurance companies create urgency around Open Enrollment to push fast decisions. A rushed senior is a profitable senior. Take the time you need — with someone in your corner who isn't on commission deadline.
Why MedicareUnmasked
We don't work for Humana. We don't work for Aetna. We work for you — and that changes every conversation we have.
Humana, Aetna, UnitedHealthcare, Cigna, Wellcare — we quote them all side by side. You see the whole picture. Not just what one company wants to show you.
We're compensated by the carrier you choose — the premium is identical whether you enroll alone or with us. You get expert guidance for free. There's no catch.
Before we recommend anything, we verify your specific physicians are in-network and your prescriptions are covered. No surprises after enrollment.
Claim denied? EOB confusing? Plan changing next year? We're your year-round Medicare advocate — not a seasonal sales rep who disappears in December.
IRMAA, MOOP, SNP, IQSIA — Medicare is full of acronyms designed to confuse. We translate all of it into plain English so you make an informed decision, not a pressured one.
Our YouTube channel, free booklet, and community events exist to educate first, sell second. An informed beneficiary is a protected one — and that's the point.
The tactics, the tricks, and the fine print — explained in plain language for Texas & Florida seniors.
Free DownloadLearn the 7 tactics insurance companies use during Open Enrollment — and exactly how to protect yourself. Free. No strings. Just the truth.
Medicare Unmasked on YouTube
New videos every week — straight talk about Medicare with no jargon, no pressure, and no carrier bias.
About the Defender
I've spent years in the insurance industry watching good people get pushed into plans that served the carrier — not them. The commission-chasing, the confusing jargon, the fine print designed to overwhelm — I've seen all of it from the inside.
That's why I built MedicareUnmasked. As an independent agent, I represent you. I compare every plan available in your area, check your specific doctors and medications, explain every option in plain language, and stay by your side all year — not just during Open Enrollment.
"Let's talk straight about Medicare. No jargon. No pressure. Just the truth about what you need and what you don't."
Whether you're turning 65, unhappy with your current plan, or just confused about what Medicare actually covers — I'm here. And it costs you nothing.
Book a Free ConsultationUpcoming Events
Free educational events for Medicare beneficiaries in Texas and Florida. No sales pitch. Just straight answers.
What Clients Say
"I had no idea I was in the wrong plan for three years. He looked at my doctors, my medications, and within 20 minutes found me a plan that saved me $180 a month. I wish I'd called sooner."
"After my husband passed I had to figure out Medicare alone. He walked me through everything — no rush, no pressure, just clear honest answers. He even called me back three weeks later just to check in."
"My specialist wasn't in-network with the plan I almost signed up for. He caught it before I enrolled. That would have cost me thousands. He's the only Medicare agent I'll ever recommend."
A free, no-pressure conversation. We look at your doctors, your prescriptions, and every plan available in your area. You decide what to do with the information.
Schedule My Free ConsultationNo obligation · No sales pressure · Serving Texas & Florida · Licensed Independent Agent