In Texas, the Right Health Insurance Starts With Someone Who Knows Your Name
Medicare, health, life, long-term care, retirement planning — whatever’s on your plate, we compare top Texas carriers, explain your best options in plain English, and help you enroll without pressure. If you’ve tried deciphering Medicare timelines, sorting plan fine print, or weighing life insurance choices, you know it gets confusing fast. We make it calm, local, and clear — so you can decide and get back to your week.
For anyone searching for health insurance in Texas that actually fits their needs, our process is designed to save time and avoid guesswork. Whether it’s a Medicare plan, individual coverage, or life insurance for your family, you’ll see side-by-side comparisons you can understand in minutes.
Texas Families Save Thousands When They Plan Ahead:
You Can Too
In our office, we hear the same line every week: “I wish I’d done this sooner.” Policies expire, premiums jump, health changes, and the window for easy switches closes. Insurance isn’t “set and forget” because time, health, and rules move faster than most people expect — especially when your health, family, or retirement savings are on the line.
Medicare timing missteps
Miss an enrollment window and a Medicare Part D late-enrollment penalty can apply (generally added to your Part D premium for as long as you have Part D). Wait too long on Medicare Supplement Insurance (Medigap) and medical underwriting may apply. Don't forget to miss enrollments.
Life insurance gaps
Term policies can end quietly; conversion deadlines pass; the result is no coverage when a spouse or family would need it most. Local clients often turn to a senior life insurance company in Texas to keep protection in place without starting from scratch.
Losing work coverage at retirement
Employer plans often end the day you clock out. Transitioning to Medicare Advantage (Part C) or Medigap + Part D takes planning so there’s no lapse.
Care costs that erode savings
Home health, assisted living, or nursing care can be substantial. A long-term care plan sized to your budget helps protect the rest of your goals.
Old 401(k)s left on autopilot
Fees add up and investments drift. A direct custodian-to-custodian rollover keeps tax deferral intact and avoids the 60-day scramble and 20% withholding that come with checks made out to you.
Here on the Coastal Bend, hurricanes, job shifts, and health surprises don’t wait for perfect timing. The best time to review coverage isn’t when you need it — it’s before you do.
You’ll Never Have to Explain Yourself to a Call Center in Another State Again
If you’ve ever dialed a big call center, you know the drill — hold music, transfers, and repeating your story to someone who doesn’t know you. At Legacy Insurance, you get one licensed advisor who learns your goals, compares multiple Texas-licensed carriers, and stays with you after enrollment so questions don’t restart the whole process.
What’s different (and why it matters)
Independent and multi-carrier, by design
We’re not tied to a single company. That means we can place plans side by side — benefits, premiums, networks. Whether you’re comparing Medicare options or exploring life insurance plans in Texas, you’ll see the numbers clearly before you decide.
Education first
We walk through options, timelines, and costs before anyone talks enrollment. If the right fit is a plan we don’t sell, we’ll say so and point you there.
Follow-through and follow-up
After your plan starts, we check in before renewal and sooner if something changes — a doctor leaves the network, a premium shifts, you add a new medication, or there’s a life event that affects your coverage.
One advisor, start to finish
No handoffs, no re-explaining. You have a direct line to the same person who built your plan, so updates and renewals are simple, not stressful.
Nine Overlooked Gaps That Put Texans at Risk — We Protect What Matters Most
You don’t need every type of coverage at once. Pick what you need today, and we’ll add the rest in the right order so your plan stays simple and affordable.
Medicare Advantage (Part C)
If you want one card that replaces Original Medicare, we compare local Medicare Advantage (Part C) options by doctors, hospitals, prescriptions, premiums, and extras (dental, vision, OTC vary by plan). You’ll see the trade-offs clearly — benefits, networks, and costs — before you enroll.
Medicare Supplement (Medigap) + Medicare Part D
Prefer any-provider access with fewer surprise bills? We line up Medicare Supplement Insurance (Medigap) plan letters (often Plan G vs. Plan N), then match a Medicare Part D prescription drug plan so your meds and out-of-pocket math make sense together. We’ll also help you avoid timing missteps like the Part D late-enrollment penalty.
Health & Life Insurance for Individuals and Families
Self-employed, between jobs, or growing a family? We shop multiple Texas-licensed carriers for health coverage you can plan around, then pair it with life insurance sized to your income, mortgage, and goals. Our independence means we can compare offers from several life insurance companies in Texas to help you find a plan that meets both your budget and your protection needs.
Universal Life Insurance (with Cash Value)
Want lifelong coverage with flexible funding? We separate guarantees vs. projections, show how cash value can build, and stress-test “what-ifs” so you see how the policy behaves over time before committing.
Term Life Insurance (Simple and Budget-Friendly)
Need higher protection for a set period — income, mortgage, college costs? We price level-term options and, when available, flag conversion paths so you can keep coverage later without starting over.
Final Expense (Guaranteed-Issue) Insurance
No exams and few health questions can make this a fit when underwriting is tough. Most policies include graded benefits for the first years; we explain the rules in plain English and compare carriers so costs stay reasonable and roles are clear for your family.
Long-Term Care Planning (Traditional or Hybrid)
If you ever need help with daily living, a long-term care plan can protect savings and choices. We size monthly benefit, benefit period, waiting period, and inflation protection — then compare traditional LTC with hybrid life/LTC designs.
401(k) & IRA Rollovers (Clean, Direct Transfers)
Old accounts scattered around? We coordinate custodian-to-custodian rollovers to maintain tax deferral, avoid 20% withholding on mailed checks, and skip the 60-day scramble.
Texas Legacy Planning (Beneficiaries, Titling, Deeds)
We align beneficiaries and contingents, add POD/TOD where it fits, and coordinate with your attorney on deeds and powers so assets pass the way you intend without confusion.
Texans Know Preparation is Power Why Not Secure Your Coverage Today?
Every Texas family is different. The right plan for you won’t be the same as your neighbor’s, so we start with a conversation — not a sales pitch. You’ll work with one licensed advisor who learns your goals, compares multiple Texas-licensed carriers side by side, and explains the trade-offs in plain English. No confusing forms, no hidden fees, no rushing — just clear, local guidance so you can choose with confidence and get back to your week.
Whether you’re looking for a Medicare Advantage option, reviewing supplemental Medicare plans Texans rely on, or exploring life, health, and retirement coverage, we help you understand exactly how each choice works before you make a move.
Call us: (361) 903-5060
Talk to your advisor right away.
Request a free consultation online — send your doctors/meds, we’ll prepare side-by-side comparisons.
Meet locally or by video — visit our office or schedule a quick phone/video session.
Frequently Asked Questions
Is there any cost to work with Legacy Insurance?
No. Reviews are no-cost and no-obligation. If you enroll, we may be compensated by the insurance company; your premium does not increase because you used our help.
Who will I talk to each time?
One licensed advisor. You get a direct line to the same person who learns your goals, builds your plan, and handles updates at renewal.
Do you work for one company?
No. We’re an independent insurance agency licensed in Texas. We compare plans from multiple Texas-licensed carriers and explain trade-offs in plain English.
What’s the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) is a private plan that replaces Original Medicare and often includes extras (benefits vary by plan). Medicare Supplement Insurance (Medigap) works with Original Medicare to help pay remaining costs and generally has no network restrictions. We’ll show side-by-side numbers so you can see which structure fits how you use care.
Do you also help with Medicare Part D prescriptions?
Yes. We check your exact medications against Medicare Part D prescription drug plans and pharmacies you actually use. We also help you avoid the Part D late-enrollment penalty when timing applies.
What if my doctor leaves the network after I enroll?
Provider participation can change. We’ll re-check networks and outline your options; some plans allow continuity-of-care exceptions during active treatment.
Do long-term care premiums always increase?
Not always. Traditional LTC can have rate adjustments; hybrid life/LTC works differently. We’ll show histories and explain how each design handles costs over time. If you’re comparing long term care coverage insurance in Texas, we’ll lay out the options so you know what’s stable and what can change.
All Rights Reserved - Legacy Insurance
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov