New to Medicare (turning 65)
A timeline of what to enroll in, what can wait, and which windows you cannot miss.
Texas Medicare · Independent guidance
Medicare choices explained for your doctors, drugs, and county.
Advantage, Supplement, and Part D compared without a call-center script. Fortify360 is a private independent agency — not Medicare, not CMS, and not a government program.
Coverage
What we can place — and what we actually compare
Medicare Advantage (Part C)
Bundled HMO and PPO plans — including dental, vision, and hearing extras — checked against your doctors.
Medicare Supplement (Medigap)
Plans such as G and N for broader doctor freedom and help with Part B coinsurance.
Part D drug plans
Stand-alone prescription coverage compared to your medication list and preferred pharmacies.
The review
Five steps. One advisor.
01
Understand what you own
Eric starts with the house, vehicles, business, people, and deadlines — not a product pitch. You leave this step with a simple picture of the real exposures.
02
Compare the open market
The same coverage is priced across 40+ authorized Texas carriers so you see terms, deductibles, and appetite — not a single company's quote.
03
Read the contract in English
Wind/hail deductibles, water exclusions, liability gaps, and network rules get translated before you buy. No surprise fine print after binding.
04
Bind and deliver proof
When you are ready, Eric issues the policy, sends the lender or title company what they need, and confirms coverage is actually in force.
05
Stay on it at renewal
If a carrier raises rates or changes rules, the market gets re-shopped. You keep one person on the file — not a rotating 1-800 queue.
Questions