Hi, I'm Megan
Independent Medicare broker · Former RN · Houston, TX. Here's why I do this — and how I work.
Why I do this work
For 20+ years, I was a registered nurse. I spent two decades sitting bedside with people on the worst days of their lives — explaining diagnoses, walking families through what came next, advocating for patients who couldn't advocate for themselves. That's the muscle I bring to Medicare.
Three years ago I made the move into Medicare full-time, because I kept watching folks turning 65 get steered into the wrong plan by call centers that didn't know their meds, didn't know their doctors, didn't know their story. Medicare advice today falls into one of two buckets: a hard sales pitch from someone representing only one company, or a confusing mountain of jargon from medicare.gov. Neither helps the people who need help most.
I built this practice to be the third option: a knowledgeable, independent broker who explains things in plain English, recommends what's actually best for you (not what pays me the most), and stays your advocate after enrollment for as long as you need.
This is a family business. My husband Joe runs the life-insurance side — 15+ years there. Together our practice is licensed in 30+ states and has helped thousands of families. We're based in Houston, Texas — Texas is the heart of what I do, and most of my community is right here at home.
What I will and won't do
✓ I will
- Listen to your actual situation before suggesting anything
- Explain costs in real dollars — premium, deductible, copays, coinsurance, IRMAA
- Show you the math on the trade-offs between Original + Medigap vs. Medicare Advantage
- Let you take your time — no high-pressure deadlines
- Stay your agent for life, helping with claims, switches, appeals
- Be honest if a plan I don't sell is actually a better fit
✗ I won't
- Cold call you
- Recommend a plan because it pays me more
- Push a one-size-fits-all answer
- Show up at your door uninvited
- Tell you Medicare is "free" — it isn't
- Use scare tactics or fake urgency
Credentials & what I'm appointed to sell
Licensed insurance broker — Texas-based
Primary license: Texas Department of Insurance. Texas is my home state and the heart of my practice.
Multi-state coverage: Also licensed in multiple states to serve clients who've moved or have family across state lines.
License numbers, NPN, and a full list of states are provided in your initial consult or on request.
Independent — appointed with major Medicare carriers
Including Humana, UnitedHealthcare, Aetna, Cigna, Mutual of Omaha, BCBS, Wellcare, and others (specific appointments vary by state).
Plan types I sell
- Medicare Advantage Plans (Part C — HMO, PPO, PFFS, SNPs)
- Medicare Supplement Plans (Medigap — Plans G, N, K, L, and others)
- Medicare Part D Prescription Drug Plans
- Dental, Vision, Hearing ancillaries
What I don't sell
Term life, IUL, annuities, long-term care insurance, employer group plans. If you ask about those, I'll tell you what I know but I'll refer you to someone who specializes in them.
Where to start with me
Pick the path that fits where you are right now. All three are free.
You want to learn the basics first
Start with the Medicare 101 explainer — the 4 parts, enrollment windows, what it costs in 2026, and the big choice between Advantage and Medigap.
Read Medicare 101 →You want to understand 2026 changes
Start with the 2026 reshuffle breakdown — plan exits, the new $2,100 cap, the SEP through Feb 28, and what to do if your plan was non-renewed.
See what changed in 2026 →You want personal answers right now
Book a free 15-minute call. Bring your situation — meds, doctors, ZIP code, plan questions. We'll figure out what fits and what doesn't. No pitch.
Book a 15-min call →Ready to talk?
I keep the calendar simple — 15 minutes is plenty for a first conversation. Or save your seat for the free Tuesday class if you'd rather learn the basics first.