Office Hours
M-F 9:00AM-5:00PM
McKinney, TX
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Stacey 214-923-6545
Shawn 214-531-3351
Privacy Policy
Our Company
("we" or "us") recognizes that you care how information about you is collected and used. We have created this Privacy Policy to inform you of our information collection, use, and sharing practices for this Web site.
Please be advised that the practices described in this Privacy Policy apply only to information gathered through this Web site and do not necessarily reflect our practices with respect to information gathered through other means, including digital means such as other Web sites and email communications.
If you have any questions regarding this Privacy Policy, please contact us at: the number listed on this website.
What information do we collect and how is it used?
Information You Voluntarily Provide
For purposes of this Privacy Policy, “Personal Information” is information that you provide to us that may be used to identify you, such as your full name, physical address, email address, or phone number. Except as otherwise provided in this Privacy Policy, we do not collect Personal Information through this Web site unless you voluntarily submit it. Personal Information will be collected when you fill out a “contact us” form and/or when you otherwise voluntarily submit or provide Personal Information to us. We use Personal Information to provide the services and information you have requested and for administrative and analytical purposes. For example, unless otherwise prohibited by law, the Personal Information may be used to contact you (by telephone, regular mail, email, facsimile, SMS texting or other means) to answer your questions or respond to your comments, to send you information about our products and services, to provide emails, newsletters and other communications, to conduct market research, to ensure compliance with our policies and applicable laws and regulations, and to market our products and services. We do not share or sell SMS opt-in, or phone numbers for the purpose of SMS. You can also opt out of SMS at anytime by replying STOP.
Information We Automatically Collect
Like many Web sites, we use “cookies” and other tracking technologies to collect certain Information automatically whenever you visit this Web site. Cookies are files stored on your computer's hard drive by your browser. Most browsers accept cookies automatically but allow you to disable them. If you choose to disable cookies, you may be unable to use certain features of this Web site.
Information we collect through the use of cookies and other tracking technologies may include your IP address, location of your computer (but not your street address), browser information, operating system type, and dates and times you accessed the Web site. We may also collect information regarding traffic patterns, how you came to our Web site, and site usage. This information is used for analysis and for online marketing.
With both cookies and other tracking technologies, the information we collect does not contain your name, address, telephone number, or email address. We do not generally link the information we collect through the use of cookies and tracking technologies to Personal Information you submit. However, we reserve the right to use information collected in this manner to identify a Web site visitor if we reasonably believe it is necessary or advisable to enforce the policies of this Web site, to protect us or our clients, to prevent fraud, deception, or illegal activity, or to protect this Web site or its visitors.
Is information collected from children?
This Web site is not intended for use by children. If you are under the age of 18, you should not use this Web site and should not submit any information of any kind to us.
With whom do you share information?
We engage third parties to perform services in connection with the operation of our business. Examples of these services include, but are not limited to, hosting and maintenance of our Web site, data storage and recovery, maintaining mailing lists, Web site evaluation, data analysis, data cleansing, and marketing assistance. We may provide information regarding you, including Personal Information, to these third parties. We may also share Personal Information you provide to us to with insurance and financial service providers in order to provide you with information about the availability and pricing of products and services.
We may share non-Personal Information with others from time to time. Examples of such non-Personal Information include the number of users who visited this Web site during a specific time period. This information is shared in an aggregate form.
We reserve the right to transfer any information we have about you, including Personal Information, in connection with the sale or transfer of all or a portion of our business or assets to a third party.
We may also share information, including Personal Information, with third parties as described elsewhere in this Privacy Policy.
In addition, we, or those with whom we have shared information in accordance with this Privacy Policy, may release Personal Information and/or non-Personal Information if we believe in good faith that: the law or legal process requires it; we have received a valid administrative request from a law enforcement agency; or such release is necessary or advisable to protect the rights, property or safety of us or our clients, our Web Site visitors, or others.
Notwithstanding the foregoing, we will not share Personal Information with any third party to the extent prohibited by applicable law or regulation.
What do you do to protect Personal Information?
We use various security measures, including a firewall, to protect Personal Information we collect through this Web site. However, no data transmission or information system can be guaranteed to be secure. We do not warrant the security of any Personal Information you submit to us and all such transmissions are at your own risk.
How can I correct Personal Information?
You can correct and update certain Personal Information you have provided to us by contacting us at the phone number listed on this website
What happens when I link from or to another Web site?
This Web site may contain links to other Web sites operated by third parties. This Privacy Policy does not apply to information collected through these other Web sites. We encourage you to be aware when you leave this Web site and read the privacy policies of each and every Web site that you visit.
If you have accessed this Web site through a link from another Web site, this Web site may include a frame. The information you provide to us through these framed Web pages is collected by us and this Privacy Policy governs our use of such information.
How will I be informed about changes to this Privacy Policy?
Our Web site will continue to evolve to bring you new features and services and to implement technological advances. As a result, we may change this Privacy Policy from time to time without prior notice. Revised versions of this Privacy Policy will be posted on this Web site, together with an updated effective date. In some cases, we may also send an email notifying users of the changes. You should check this Web site regularly to see if any recent changes to this Privacy Policy have occurred. By continuing to use this Web site after we post any such changes, you accept the Privacy Policy as modified.
Insurance carriers we work with on a daily basis:
How much do I have to pay for Medicare?
In 2024, the standard Medicare Part B premium amount is $174.70/month. If you didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2022 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount).
Do I have to sign up for Medicare if I'm still working & covered by my employer group health plan?
If you are still working and covered by your employer group health plan and your employer has 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits to your employer plan.
When can I sign up for Medicare?
Seniors can sign up for Medicare during several key periods:
Initial Enrollment Period (IEP): This period starts 3 months before you turn 65, includes the month you turn 65, and ends 3 months after your 65th birthday. This gives you a total of 7 months to enroll without facing any penalties.
Special Enrollment Period (SEP): If you or your spouse are still working and covered by an employer group health plan, you can sign up for Medicare Part B during this period. You have 8 months to enroll after your employment or coverage ends.
General Enrollment Period (GEP): If you miss the IEP and SEP, you can sign up between January 1 and March 31 each year. However, you might face a late enrollment penalty.
If you have any specific circumstances or need more details, feel free to ask!
Why should I use an independent agent?
As independent agents, we don't work for just one insurance company. We represent multiple companies including United HealthCare, Aetna, Humana, Blue Cross Blue Shield, Amerigroup, Cigna, Wellcare, Omaha, and more. Different companies and plans could be a better fit for different people.
We are able to help you by comparing plans available in your area that meet your needs. We will check networks to find out which plans your doctors accept, and will check drug costs to find the best Part D Drug plan for you. There is never any pressure. We are here to help answer your questions you have now and in the future.
We are able to help you get enrolled and help with plan changes in the future. Also, there is never any cost to use for our services and we take your privacy very seriously. Your info is never shared.
Who is eligible for Affordable Care Act?
To be eligible for health insurance coverage under the Affordable Care Act (ACA), also known as Obamacare, you must meet the following criteria:
Residency: You must lawfully live in the United States.
Citizenship: You must be a U.S. citizen, U.S. national, or lawfully present non-citizen
Incarceration Status: You must not be incarcerated
Medicare Coverage: You must not be covered by Medicare.
Additionally, the ACA provides financial assistance to help reduce the cost of health insurance for individuals and families with incomes between 100% and 400% of the federal poverty level (FPL). Some states have expanded Medicaid under the ACA, making more people eligible for coverage.
If you have any specific questions about your eligibility or need help with the application process, feel free to ask!
Stacey Thomas & Shawn Thomas are licensed and certified representative of Medicare Advantage and Part D Drug Plan organizations. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Not affiliated or endorsed by any government agency.