Turning 65? Medicare Supplement & Prescription Plans That
Protect Your Health and Savings
Medicare feels like a maze for most people, and we hear it every week in our office. “Do I need a supplement?” “What’s Part D?” “Is this the same thing as Medicare Advantage?” It’s a lot to sort through, especially when no one explains how all the pieces fit together.
That’s where we step in. At Legacy Insurance, an independent agency based right here in Corpus Christi, we walk you through the options — Medicare supplement insurance plans (Medigap), Medicare Part D prescription coverage, and how they work with Original Medicare. We’ll show how each choice affects your doctors, prescriptions, and out-of-pocket costs, so you can make a confident decision.
And here’s the part people appreciate: there’s no cost for this review. We’re paid by the insurance companies when you enroll, so you get guidance from licensed agents without added fees. And after you sign up, we stay just a phone call away when questions come up. We’ve got you covered.
How Medicare Supplement Insurance (Medigap) Works
Here’s the simple version: Original Medicare usually pays about 80% of approved medical costs. That still leaves you on the hook for the other 20% — things like copays, coinsurance, and deductibles. That’s where a Medicare supplement policy steps in.
With a supplement, you can see any provider in the U.S. who accepts Medicare — no network restrictions, no worrying about “in-network only” care. And while premiums can adjust over time, the core benefits in these plans don’t change from year to year.
When you meet with us, we go beyond just showing you plan names. We walk through what those plans actually mean for your out-of-pocket costs based on your health needs, so you can see the difference before making a choice.
Adding Prescription Coverage:
How Medicare Part D Works
Here’s something a lot of folks are surprised to learn: Original Medicare doesn’t cover prescription drugs. If you want that protection, you’ll need a separate plan — Medicare Part D.
Every Part D plan comes with a formulary (basically a list of covered medications). These drugs are grouped into tiers — the lower tiers usually cost less, while higher tiers are pricier. If a medication you need isn’t on a cheaper tier, your doctor can sometimes request an exception to bring the cost down.
And here’s a key point: if you skip Part D when you’re first eligible, you may face a late-enrollment penalty that sticks with you for as long as you have coverage.
When you meet with our team at Legacy Insurance in Corpus Christi, we take your actual prescriptions and compare Part D options side by side. That way, you can see which plan offers the best mix of coverage and cost — no guesswork, no surprises at the pharmacy. If you’re already looking into Medicare supplement insurance plans, we can also help you see how Part D works alongside them for complete protection.
Adding Prescription Coverage:
How Medicare Part D Works
Sorting out Medicare is tough to do alone — but it gets a lot easier when you’ve got someone who knows the ropes sitting on your side of the table.
As an independent agency serving Corpus Christi, Legacy gives you access to plans from multiple carriers, which means we’re not tied to one company or one plan. Instead, we look at your doctors, your prescriptions, and your budget and then lay out the options in plain English.You get to see side-by-side comparisons of Medicare supplement insurance plans and Part D options from multiple carriers — without feeling pushed toward one choice.
And because we’re paid by the insurance companies when you enroll, there’s no cost to you for this help. You get clear, straightforward advice from licensed agents who live and work in the same community you do — and we don’t disappear after you sign up.
Our 3-Step Medicare Review
(It’s Easier Than You Think)
Getting the right Medicare coverage shouldn’t feel overwhelming. Here’s how we make it simple:
Schedule a No-Cost Chat
Call us, or pick a time online. We’ll sit down and talk through your needs — no jargon, no rush.
See Your Options Side by Side
We compare supplemental Medicare plans and Part D options from multiple carriers based on your doctors, prescriptions, and budget. You’ll see the numbers clearly so you know what you’re getting.
Enroll With Confidence
When you’re ready, we’ll handle the paperwork and stay available for questions or future plan reviews. You don’t just get signed up — you get an ongoing local resource.
What Our Clients Are Saying
I have worked with Lori, Brittney and team for almost a decade now and their concern for their clients and placing their clients needs first is an awesome trait in today’s world. I have enjoyed working with these ladies immensely and look forward to working with them for many years to come!
– Kyle Swinford
Get Medicare Supplement & Part D Answers Before It Costs You More
Compare plans, avoid penalties, and choose coverage that makes sense for you.
Medicare can feel like a headache — but that’s exactly what we’re here for. If you’re turning 65 or just want to review your current coverage, we’ll walk you through Medicare supplement insurance policies and Part D plans that fit your doctors, prescriptions, and budget. No cost. No pressure. Just clear, local guidance from licensed agents who know Medicare in Corpus Christi.
Frequently Asked Questions
Is there a cost for your Medicare consultation?
No. Our review is completely free to you. We’re paid by the insurance companies when you enroll, so you can compare Medicare supplement insurance plans and Part D plans without paying us directly.
Do Medicare Supplement plans include prescription drug coverage?
No. Medicare supplement plans (also called Medigap) only work with Original Medicare — they don’t cover prescriptions. To get drug coverage, you’ll need a separate Medicare Part D plan.
What happens if I don’t enroll in Part D when I’m first eligible?
If you delay signing up for Part D and don’t have other creditable drug coverage, you may face a late-enrollment penalty. This penalty is added to your premium and lasts as long as you have Part D.
Can you help me compare drug costs across different Part D plans?
Yes. We take your actual prescriptions and run them through multiple plans so you can see which ones cover your medications at the best possible cost.
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