Houston insurance questions, answered

An independent broker is appointed with many carriers instead of one. We compare Medicare, Marketplace health, life, long-term care, and supplemental plans available at your Houston ZIP code, explain the trade-offs in plain language, and handle the enrollment paperwork with you.

Nothing. Consultations, plan comparisons, and enrollment help are free to you. Brokers are paid by the insurance carriers, and your premium is identical whether you enroll on your own or with our help.

No. 1415 S. Voss Rd in Houston is our mailing address only. In-person meetings are available by appointment in a Katy, Texas office space, and most clients meet with us by phone or video.

We work with clients throughout the greater Houston metro, including Houston, Katy, Galleria, Memorial, Spring Branch, Westchase, Bellaire, Sugar Land, Cypress, The Woodlands, Pearland, Missouri City — and across Harris, Fort Bend, Montgomery, Brazoria, Galveston, and Waller counties.

Yes. Alpha Lee Insurance is licensed by the Texas Department of Insurance and carries non-resident licenses in 11 additional states, so coverage can follow you if you move or own a second home.

Your Initial Enrollment Period spans the three months before your 65th birthday month, that month, and the three months after. Most other changes happen during the Annual Enrollment Period, October 15 – December 7, or through a Special Enrollment Period after a move or loss of coverage (Medicare.gov).

Many do, but networks vary by plan and change yearly. Before you enroll, we check your specific doctors, hospitals, and prescriptions against the Medicare Advantage plans offered in Harris County or your own county.

Medicare Advantage bundles coverage into a private plan with a network and often extra benefits. Medigap pays what Original Medicare leaves behind and lets you see any provider nationwide that accepts Medicare. We compare both side by side using your Houston-area providers and medications.

Yes. Most switches happen October 15 – December 7, or January 1 – March 31 during Medicare Advantage Open Enrollment. We compare your current plan against every other plan available at your ZIP code before anything changes.

Yes. We compare Affordable Care Act Marketplace plans available in Harris County and surrounding counties, check whether you qualify for a premium tax credit, and confirm your doctors are in network before you enroll.

Options include Marketplace plans with subsidies, Marketplace alternatives for higher-income households, healthshare memberships, short-term medical during a gap, and supplemental coverage such as hospital indemnity. We price the realistic options together instead of pushing one product.

It depends on your assets, family history, and whether you want care at home. Texas costs vary widely by service and region; we walk through current Houston-area care costs and show what traditional, hybrid, or short-term care coverage would actually pay before you decide.

Yes. We run Medicare, Social Security, and benefits education sessions for Houston-area employers, associations, and community groups at no cost to the organization.