New to Medicare (turning 65)
A timeline of what to enroll in, what can wait, and which windows you cannot miss.
Texas Medicare · Independent guidance
Medicare choices explained for your doctors, drugs, and county.
Advantage, Supplement, and Part D compared without a call-center script. Fortify360 is a private independent agency — not Medicare, not CMS, and not a government program.
We do not offer every plan available in your area. Currently we represent 6 organizations which offer 19 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Coverage
What we can place — and what we actually compare
Medicare Advantage (Part C)
Bundled HMO and PPO plans — including dental, vision, and hearing extras — checked against your doctors.
Medicare Supplement (Medigap)
Plans such as G and N for broader doctor freedom and help with Part B coinsurance.
Part D drug plans
Stand-alone prescription coverage compared to your medication list and preferred pharmacies.
The review
Five steps. One advisor.
01
Understand what you own
Eric starts with the house, vehicles, business, people, and deadlines — not a product pitch. You leave this step with a simple picture of the real exposures.
02
Compare the open market
The same coverage is priced across multiple Texas carriers so you see terms, deductibles, and appetite — not a single company's quote.
03
Read the contract in English
Wind/hail deductibles, water exclusions, liability gaps, and network rules get translated before you buy. No surprise fine print after binding.
04
Bind and deliver proof
When you are ready, Eric issues the policy, sends the lender or title company what they need, and confirms coverage is actually in force.
05
Stay on it at renewal
If a carrier raises rates or changes rules, the market gets re-shopped. You keep one person on the file — not a rotating 1-800 queue.
Questions
Clear answers
Does Fortify360 offer every Medicare plan?
No. Eric represents a focused set of Texas organizations. For a complete federal list, use Medicare.gov or 1-800-MEDICARE. Fortify360 is not a government agency and is not endorsed by the U.S. government.
Is the Medicare review free?
Yes. There is no consultation fee. If you enroll in a plan, carriers — not you — compensate the agency. There is no obligation to enroll.
Can Eric check my doctors and prescriptions?
Yes, against directories and formularies for represented plans. Bring your Medicare card, medication list, and current plan documents to the conversation — not into the website form.
When should I start?
Initial Enrollment around turning 65, and Annual Enrollment from October 15 to December 7, are the windows most people cannot miss. Call sooner if you missed a window or costs changed suddenly.
Tell Eric how he can help
The consultation form loads as you scroll. You can also call (817) 552-4717.