Helping You Find Complete Coverage with Clarity and Confidence
Navigating Medicare choices can feel overwhelming, especially when you realize Original Medicare doesn’t cover everything you may need. That’s where Medicare Advantage Plans come in. Also called Medicare Part C, these policies combine hospital and medical coverage while adding extra benefits like dental, vision, and prescriptions. They help you simplify your healthcare, reduce surprise costs, and gain more value from your Medicare benefits.
At McShannon Insurance Plus, we work with individuals and families in Greenville and across Texas to compare Advantage options. Whether you’re new to Medicare or thinking about changing your plan, we’ll make the process simple.
You won’t have to go through it alone. Our licensed, local agent is here to walk you through your options, explain the details, and help you choose coverage that fits your health, lifestyle, and budget.
Original Medicare (Part A and Part B) is a great start, but it often leaves gaps in coverage. That can mean paying out-of-pocket for things like dental visits, prescriptions, or hearing services. Medicare Advantage Plans are designed to fill those gaps with added benefits and lower costs.
Here’s why so many in Greenville choose an Advantage Plan:
Lower Out-of-Pocket Costs: Many Advantage plans include spending limits and low copays, helping you save when visiting doctors or filling prescriptions.
Prescription Drug Coverage: Unlike Original Medicare, most Advantage Plans include Part D, helping cover your medications.
Extra Benefits Included: Vision, dental, hearing, and even wellness perks like fitness memberships are often built right in.
Coordinated Healthcare: With network-based care, you can often benefit from better communication between your doctors and specialists.
All-in-One Simplicity: Instead of juggling Medicare Part A, B, and D separately, Advantage Plans combine them into one streamlined policy.
For many people, this option means more coverage, less hassle, and more predictable healthcare costs.
Every client has different health needs and budget concerns, which is why we don’t take a one-size-fits-all approach. Whether you’re enrolling in Medicare for the first time or considering a change from your current plan, our job is to make sure you understand your options clearly.
Plan Comparisons Side-by-Side
We’ll walk you through the various Medicare Advantage Plans available in Texas, like HMO, PPO, and Special Needs Plans. You’ll see what each one covers, how networks work, and how costs differ. Our goal is to help you compare real-world examples, not overwhelm you with jargon.
Licensed Local Guidance
Working with McShannon Insurance Plus means you’ll always speak with a licensed agent who knows Medicare inside and out. We’re not a call center, and we’re not tied to one company. You’ll have a trusted partner who cares about getting you the right plan, not making a quick sale.
Enrollment Made Simple
Paperwork and deadlines can be stressful, but we handle them with you step by step. Whether it’s your Initial Enrollment Period, the Annual Enrollment Period, or a Special Enrollment Period, we’ll make sure nothing gets missed so you don’t face penalties.
Annual Plan Reviews
Your needs can change, and Medicare Advantage Plans change too. That’s why we offer free yearly reviews to check if your current plan is still the right fit. If there’s a better option, we’ll explain it clearly and help you switch with confidence.
Medicare Advantage comes in different forms, each with its own approach to coverage and networks.
Health Maintenance Organization (HMO) Plans
Require in-network doctors and hospitals, with referrals for specialists. Lower costs for those who prefer a structured system.
Preferred Provider Organization (PPO) Plans
Offer flexibility to see any doctor, but provide lower costs for in-network providers. No referrals needed for specialists.
Private Fee-for-Service (PFFS) Plans
Let you see any Medicare-approved doctor who accepts the plan’s terms. Costs can vary, but there’s no fixed network.
Special Needs Plans (SNPs)
Tailored for individuals with chronic conditions or special healthcare needs, these plans include customized benefits and prescription drug coverage.
We’ll help you understand which type best matches your health and budget.
Lots of agencies sell Medicare plans, but we do things differently. We focus on giving you clear guidance and ongoing support, not sales pitches.
One-on-One Support
You’ll always work directly with an agent who takes the time to listen to your concerns, explain your options in plain language, and make sure your questions are answered.
Independent and Unbiased
We’re not tied to any single insurance company. That means we can shop multiple carriers for you, compare plans side by side, and recommend the plan that truly meets your needs.
Support Before and After Enrollment
Our relationship doesn’t end once you sign up. Whether you’re dealing with billing issues, considering a change, or need help using your benefits, we’re just a phone call away.
Clear and Simple Advice
You’ll never get pressure or scare tactics from us. We believe in straightforward guidance so you can make decisions with confidence, not confusion.
Even a small mistake when choosing Medicare coverage can lead to unexpected costs or limited care. Here are the most common pitfalls, and how to avoid them.
Missing Enrollment Windows
Medicare Advantage enrollment is limited to specific times of the year. Missing those dates could mean waiting months to make changes. We’ll help you stay on schedule.
Choosing Based on Price Alone
A low monthly premium might look appealing, but higher copays or deductibles could make it more expensive in the long run. We help you look at the full picture.
Ignoring Prescription Coverage
Not every Advantage Plan covers the same medications. It’s important to check that your prescriptions are included in the plan’s formulary.
Overlooking Networks
Some plans only cover care from in-network providers. If you have a doctor you want to keep, we’ll confirm they’re covered.
Skipping Annual Reviews
Plans can change benefits and networks each year. Reviewing your plan annually ensures you’re not overpaying or missing out on better benefits.
Assuming All Plans Are the Same
Every Advantage Plan is different in terms of benefits, costs, and service. We’ll compare options for you so you don’t end up with the wrong fit.
Listening to Generic Advice
Friends, family, or TV ads may mean well, but what works for someone else may not be right for you. Personalized guidance is always better.
At McShannon Insurance Plus, we go beyond Medicare Advantage Plans to provide complete guidance across every part of your Medicare journey. Whether you’re looking for extra benefits, prescription coverage, or enrollment assistance, we make sure you’re supported from start to finish.
For those who prefer to stay with Original Medicare but want extra protection, Medicare Supplement Plans (Medigap) can help cover deductibles, coinsurance, and copayments. We’ll walk you through the options and explain how different plans can help reduce your out-of-pocket expenses while giving you peace of mind.
Medicare Prescription Drug Plans
Part D coverage is essential for managing the cost of medications. We compare available drug plans, review formularies, and ensure your prescriptions are included at affordable rates. Whether you take a few medications or several, we’ll help you find a plan that fits your needs and your budget.
Medicare Enrollment Assistance
Enrolling in Medicare can be overwhelming, but we’re here to make it simple. From your first enrollment to future plan changes, we’ll guide you step by step, helping you avoid missed deadlines, penalties, and paperwork mistakes.
McShannon Insurance Plus proudly serves clients throughout Texas. While our office is in Greenville, we regularly help residents in Garland, Mesquite, Rockwall, Rowlett, Dallas, and beyond.
You can enroll during your Initial Enrollment Period when you first qualify, or during the Annual Enrollment Period (October 15 – December 7). Special Enrollment Periods are also available for certain life changes.
Yes, you can switch during the Annual Enrollment Period or in certain situations. We’ll guide you through the process and explain any rules that apply.
Most plans do, but not all. We’ll confirm your prescriptions are covered and help you find a plan with the right Part D coverage.
No, you can only have one or the other. We’ll explain the differences and help you decide which is the best fit for your needs and budget.
No, benefits, costs, and networks vary by plan and carrier. We’ll compare your options and make sure you get the right fit for your lifestyle and health needs.
Medicare Advantage Plans can offer more coverage and greater convenience, but only if you choose the right one. Let’s sit down together, review your options, and find the plan that works for your healthcare needs and your budget.
Call McShannon Insurance Plus today or schedule your free consultation online. We’re proud to serve Greenville and the entire East Texas region with clear, honest, and personal Medicare support
