Medicare, Life & Health Insurance Help From Someone Who Knows Central Texas
I'm Randy Kelley, a Texas licensed insurance agent — THE Central Texas Expert on Medicare. I help folks across Central Texas — and all of Texas — understand their Medicare options, and I also help with final expense life insurance, hospital indemnity, and life insurance. No pressure. No call-center scripts. Just straight answers.
- Texas Licensed Agent
- Free Reviews & Quotes
- Local — Not a Call Center
Insurance Is Confusing. Getting Help Shouldn't Be.
Every fall, insurance companies change their Medicare plans — premiums go up, drug lists change, doctors leave networks. And beyond Medicare, most families have gaps they don't know about: no plan for funeral costs, no cushion for a hospital stay, not enough life insurance. That's where I come in.
I sit down with you (in person or by phone), look at your doctors, your prescriptions, your budget — and your family's protection — and we compare what's actually available to you. Then you decide. My job is to make sure you decide with the full picture.
Medicare Advantage
All-in-one plans that bundle hospital, medical, and usually drug coverage — often with dental, vision, and hearing extras. See what's available in your Texas county.
Learn MoreMedigap (Supplement)
Keep Original Medicare and add a supplement that helps pay deductibles and copays. Same coverage can cost very different amounts by carrier — I'll help you compare.
Learn MorePart D Drug Plans
Drug plans change every year, and so do drug prices. A yearly Part D checkup can save you real money. I'll run your prescriptions against this year's options.
Learn MoreFinal Expense Insurance
A small whole-life policy that makes sure your funeral is paid for — so your family never faces that bill. Many options with no medical exam and fixed premiums.
Learn MoreHospital Indemnity
Cash paid directly to you when you're hospitalized — for deductibles, copays, and bills that don't stop. A financial cushion next to your health plan.
Learn MoreLife Insurance
Term, whole life, and final expense — compared in plain English. Protect your family's income and future for less than most people think.
Learn MoreWhy Work With a Local Agent?
A Real Person, Not an 800 Number
When you call, you get me — not a rotating call center reading a script. I know the plans sold in Central Texas counties because this is where I work.
Free, With No Obligation
Plan reviews and enrollment help cost you nothing. I'm paid by the insurance carriers, and your premium is the same with or without my help.
Help All Year, Not Just in the Fall
Questions in March? Doctor dropped from your network? Prescription denied? Call me. I'm your agent for the life of your plan, not just enrollment season.
How It Works
- We talk. A free 20-minute call about your doctors, prescriptions, and what matters to you. Call (979) 325-9840.
- We compare. I pull the plans available in your county and we look at them side by side — costs, networks, drug coverage.
- You decide. No pressure, no rush. If you want to enroll, I'll handle the paperwork. If not, you'll still know your options.
Proudly Serving Central Texas — and All of Texas
I'm based in Central Texas and work with clients in Waco, Temple, Killeen, Belton, Hewitt, Woodway, Robinson, McGregor, West, Hillsboro, Mexia, Gatesville, Copperas Cove, Harker Heights, and the Austin metro. As a Texas licensed agent, I can help you no matter where in the Lone Star State you call home.
Common Medicare Questions
What does a Medicare agent do?
A licensed Medicare agent helps you compare Medicare Advantage, Medigap, and Part D plans available in your county, explains the differences in plain language, and helps you enroll in the plan you choose. Working with a local agent costs you nothing extra.
Does it cost anything to use a Medicare agent?
No. There is no fee for a plan review or enrollment help. Licensed agents are compensated by the insurance companies, and the premium you pay is the same whether you enroll on your own or with an agent's help.
When can I change my Medicare plan?
Most people can change plans during the Annual Enrollment Period, October 15 through December 7 each year. You may also qualify for a Special Enrollment Period if you move, lose other coverage, or experience certain life events. Call me to find out if you qualify.
Should I keep my current plan or switch?
Plans change every year — premiums, copays, drug lists, and doctor networks can all shift on January 1. Review your Annual Notice of Change letter each fall and compare your options before auto-renewing. A free plan review takes about 20 minutes.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage bundles your hospital, medical, and usually drug coverage into one plan, often with extra benefits. Medigap works alongside Original Medicare to help pay deductibles, copays, and coinsurance. The right choice depends on your doctors, prescriptions, budget, and health — I can walk you through both.
Do you offer insurance besides Medicare?
Yes. Medicare is my specialty, but I also help Texas families with final expense insurance, hospital indemnity, and life insurance. One agent for the coverage that protects your health and your family.
Do you serve my area?
I'm based in Central Texas and licensed to help clients anywhere in Texas. Whether you're in Waco, Temple, the Austin metro, or anywhere else in the state, reach out — I'm glad to help.
Get a Free Plan Review
Medicare, life insurance, or health coverage — twenty minutes, no pressure, no obligation. Just straight answers from a Texas licensed agent who knows Central Texas.
(979) 325-9840