Turning 65, moving states, or just need real Medicare answers?
Licensed Medicare agents helping people across Texas, Arizona, New Mexico, and California compare Medicare Advantage, Supplement, and Part D plans — matched to your doctors, prescriptions, and budget. Free, unbiased, no obligation.
- Licensed in 4 states
- Free to you, always
- No pressure, no obligation
- Se habla español
Agent: Tony Palumbo · ★★★★★ 5.0 (33 Google reviews)
Most people call us for one of three reasons.
Wherever you're starting from, there's a clear next step.
New to Medicare
Your Initial Enrollment Period is a 7-month window around your 65th birthday. Getting a head start means comparing plans without a deadline breathing down your neck.
Talk through your options →Relocating across state lines
Moving between Texas, Arizona, New Mexico, or California — or anywhere else — can open a Special Enrollment Period and change which plans are available to you.
Check your new coverage area →Ready to enroll or switch plans
Whether it's Annual Enrollment (Oct 15 – Dec 7) or a qualifying life event, we'll walk through plan options side by side before you decide anything.
Start comparing plans →Medicare help in your state.
Licensed and actively enrolling beneficiaries in all four states — including cross-border and multi-state households.
Medicare in Texas
From El Paso to Houston, Texas has one of the widest ranges of Medicare Advantage and Part D plans in the country — we help you sort through carrier and network differences by county.
Medicare in Arizona
Arizona's Medicare Advantage market is competitive, especially around Phoenix and Tucson — meaning more $0-premium options, but also more fine print to check.
Medicare in New Mexico
Rural New Mexico often means fewer in-network providers per plan — we check provider networks against your actual doctors before you enroll, not after.
Medicare in California
California's plan landscape varies sharply by county. We compare what's actually available at your ZIP code, not a statewide average.
What clients say after calling.
"Tony Palumbo is our insurance agent and he's the best agent I have ever met! He's very informative and explained everything to us thoroughly. He's very professional and patient to every question we asked."
"Very helpful in getting me Medicare supplement Part B and also dental, hearing and vision plan and Part D medications plan when I moved to this area and needed new plans asap. I fully recommend Tony and this business."
"A huge thank you to Tony! You are always a phone call away. Thank you also for taking such great care of my husband with his Medicare decisions."
"My agent is Tony Palumbo. He was extremely helpful, pleasant, and very professional. He definitely gets 5 stars from me!"
"Tony was very clear and accommodating. He was not rushed and answered all of my questions thoroughly."
"Tony is extremely helpful and available to answer all questions!"
Every major Medicare option, explained plainly.
Medicare Advantage
Bundled hospital and medical coverage, often with dental, vision, and hearing added in.
Medicare Supplement
Plans G and N remain the most popular ways to cover the 20% Original Medicare leaves behind.
Prescription Drug Coverage
Standalone drug plans compared against your actual medication list and preferred pharmacy.
Dental & Vision
Standalone coverage for beneficiaries whose plan doesn't already include it.
An agent's job is to work for you, not one carrier.
- Carrier-neutral comparisonsWe compare plans across the carriers available in your ZIP code — not a single company's lineup.
- Network-checked, not assumedWe confirm your doctors and pharmacy are in-network before you enroll, not after your first claim gets denied.
- Free because carriers pay usLicensed agents are compensated by insurance carriers under CMS rules — never by the people we help.
- Built for the SouthwestSnowbirds splitting time between states, border communities, and regional network quirks — this is the territory we know.
Tony Palumbo — Licensed Medicare insurance agent, agency ID 16578793.
Medicare Options is not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Any information provided is limited to the plans we do offer in your area. Contact Medicare.gov or 1-800-MEDICARE for a full list of options.
Medicare FAQ
No. Licensed agent services are free to you. Agents are compensated by the insurance carriers, not by beneficiaries, so there's never a charge to get help comparing or enrolling in a plan.
Medicare Advantage (Part C) bundles hospital and medical coverage into one plan, often with added benefits like dental and vision. Medicare Supplement (Medigap) plans work alongside Original Medicare to cover the deductibles, copays, and coinsurance Original Medicare leaves you to pay.
Often yes. Medicare Advantage and Part D plans are tied to specific service areas, so a move across state or county lines can trigger a Special Enrollment Period. Medicare Supplement plans are generally more portable, but pricing can change by location.
Your Initial Enrollment Period is a seven-month window: three months before your birthday month, your birthday month, and three months after. Starting the conversation before that window opens gives you time to compare plans without pressure.
Yes — coverage and licensing is active across all four states, including border and cross-state communities.
Ready to compare your options?
Call now and speak with a licensed agent — no hold times, no pressure, no cost.
Call (877) 777-3175