Medicare Advantage (Part C)
An all-in-one alternative to Original Medicare. Bundles hospital, medical, and usually drug coverage through a private insurer — often with extras like dental and vision.
Learn more →SIMPLIFIED MEDICARE
Choose us for all your Medicare insurance needs. As licensed independent brokers, we compare every major Medicare plan side-by-side and recommend what actually fits — not what pays us the most. After you enroll, we stay your advocate for the next decade.
✓ Licensed in 16 states
✓ Husband & wife brokerage
✓ Every major carrier
✓ Always free, no pressure
Three pieces of the Medicare puzzle
Most people need a combination. We'll walk you through what each one does and which mix makes sense for your specific situation.
Medicare Supplement (Medigap)
Pairs with Original Medicare to cover the gaps — coinsurance, copays, deductibles. Standardized plans (Plan G, Plan N) means same coverage, different prices across carriers.
Learn more →Part D Prescriptions
Standalone drug coverage that pairs with Original Medicare, or built into Medicare Advantage plans. We check your specific medications before recommending anything.
Learn more →Free Medicare 101 Training — every Tuesday at 11 AM Central
Spend 45 minutes with Megan and you'll understand exactly how Medicare works — Parts A, B, C, D, Supplements, enrollment windows, costs, and the penalties to avoid. No insurance company sales pitch. Q&A at the end.
Save my seat →Can't make Tuesday? Register and we'll email you the replay automatically.
Hey folks — we're Megan & Joe
Together we run Up Planning Edge — a husband-and-wife brokerage based in Friendswood, TX. Megan handles Medicare for clients across 16 states. Joe handles life insurance, retirement planning, and the financial side. We work as a team because most retirement decisions don't live in just one bucket — Medicare interacts with Social Security, RMDs, IRMAA, your 401(k) drawdown, and your family's overall plan.
What sets us apart: we're independent. We're not employed by Medicare or any single insurance company. We compare every major Medicare carrier in your area and recommend what actually fits — not what pays us the most.
And it costs you nothing. We're paid by the insurance carriers, not by you. Your premium is identical whether you enroll on your own, through us, or directly with the carrier — but with us, you also get an advocate who picks up the phone for the next 10 years when something goes wrong with your coverage.
Read more about us →What clients say about working with us
Real reviews from real clients across our 16-state service area.
★★★★★
"Megan walked me through every Medicare option without pressure. I had been confused for months — she made it simple in 30 minutes. Saved me hundreds per year compared to what I would have picked on my own."
— [Client Name], [City, State]
★★★★★
"I called several Medicare brokers and most felt like sales pitches. Megan was different — she actually listened to my situation, checked my specific doctors, and recommended the plan that fit me. No upselling, no pressure."
— [Client Name], [City, State]
★★★★★
"My husband and I were both turning 65 within 6 months of each other. Megan handled both of our enrollments and even caught a household discount we didn't know existed. She's still our advocate years later."
— [Client Name], [City, State]
⭐ Want to leave a review? Contact us after we work together — we appreciate your feedback.
Helping families in 16 states
TexasArizonaNorth CarolinaSouth Dakota
OregonGeorgiaIllinoisOhio
FloridaTennesseeNew MexicoWisconsin
ColoradoNew JerseyIowaMichigan
Common questions
How much does it cost to work with you?
Nothing. As licensed independent Medicare brokers, we are paid by the insurance carriers — never by you. Your monthly premium is exactly the same whether you enroll on your own, through us, or directly with the carrier. Our service is 100% free.
Are you connected to Medicare or the federal government?
No. We are an independent insurance brokerage. We are not employed by Medicare or any government agency. We represent multiple private insurance carriers approved to sell Medicare-related products.
Do you sell only one company's plans?
No. We are appointed with every major Medicare carrier in your area. That means we can compare all your options side-by-side and recommend what actually fits your situation — not just what one company sells.
What if my doctor isn't covered?
Before recommending any plan, we verify that your preferred doctors and prescriptions are covered. Network and formulary fit is one of the first things we check — not an afterthought.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage (Part C) is an alternative to Original Medicare — a single plan from a private insurer that bundles everything together, usually including drug coverage. Medicare Supplement (Medigap) works WITH Original Medicare to cover the out-of-pocket gaps. Which is right depends on your doctors, your travel, your medications, and your tolerance for upfront cost vs. predictable copays. See our full comparison →
I'm turning 65 — when should I enroll?
Your Initial Enrollment Period is a 7-month window: 3 months before the month you turn 65, your birthday month, and 3 months after. Enrolling outside this window can mean lifelong late-enrollment penalties on Part B and Part D. See our Turning 65 checklist →
Ready to talk?
Two ways to start — book a free 30-min call with Megan, or watch the free Medicare 101 training this Tuesday at 11 AM Central. Both free. Both no pressure.