Trusted Independent Medicare Advisors • Richardson, TX
Your Medicare Options -
Explained in Plain English.
Medicare has a lot of moving parts (A, B, C, D… plus supplements). As licensed independent insurance agents, we help you understand your choices and compare coverage - so you can enroll with confidence and avoid costly lifetime penalties.
100% Free Consultation • Zero Pressure
Representing 20+ Top Carriers
100+ Plans Evaluated
Local Richardson Support
Notice: True Health Insurance Group (formerly 12 Stones Financial Services)
David Morris
LICENSED INSURANCE AGENT / PARTNER
Richardson, Texas • Collin & Dallas County
“My priority is helping you cut through the confusion of Medicare. We look at your exact doctor network and medications to find the coverage that genuinely fits your life and pocketbook.”
Approaching 65 or Reviewing Your Current Medicare?
Download our free 2025/2026 Medicare Options & Enrollment Guide.
Coverage Comparisons
We'll Help You Compare Your Medicare Choices
Understanding the alphabet soup of Medicare is the foundation of making the right choice for your health and retirement savings.
A+B
Original Medicare
Part A (Hospital) & Part B (Medical)
Hospital + medical coverage basics administered directly by the federal government. Includes doctor visits, inpatient stays, and standard outpatient services. Leaves 20% coinsurance gaps with no annual out-of-pocket maximum.
See any doctor accepting Medicare nationwide
C
Medicare Advantage
Part C Private Plans
A private-plan alternative approved by Medicare that bundles Part A + Part B, and usually Part D drug coverage. Often includes dental, vision, hearing, and gym benefits, utilizing local HMO/PPO provider network rules.
Often $0 premium options with out-of-pocket caps
Medigap
Medicare Supplement
Medigap Plans (G, N, etc.)
Helps cover out-of-pocket gaps (deductibles, copayments, coinsurance) in Original Medicare. You can see any doctor or specialist in the country who accepts Medicare with zero network referrals required.
Predictable healthcare costs & freedom of choice
D
Prescription Drugs
Part D Coverage
How drug formularies, pharmacy networks, copays, and lifetime late enrollment penalties are determined. We input your exact medications into Medicare's portal to find the lowest total yearly cost.
Avoid permanent lifetime Part D penalties
Important Rule to Know: You cannot have a Medicare Supplement (Medigap) plan and a Medicare Advantage (Part C) plan at the same time. We help you compare the pros and cons of each pathway so you can decide which best aligns with your health and financial goals.
Timing Matters (and we'll walk you through it)
Enrolling in Medicare is strictly governed by federal timelines. Missing a deadline can result in lifelong penalties and delayed coverage.
Initial Enrollment Period (IEP)
7-Month Window Around Your 65th Birthday
Begins 3 months before your 65th birthday month, includes your birth month, and ends 3 months after. This is your primary golden window to enroll in Part A, Part B, and your choice of supplement or Advantage plan.
Special Enrollment Periods (SEP)
Retiring or Losing Group Employer Coverage
If you or your spouse continue working past 65 and have creditable employer group health coverage, you may delay Medicare without penalty and enroll during an 8-month SEP when you retire.
Avoiding Lifetime Penalties
Part B & Part D Late Penalties
Delaying Part B without creditable coverage adds a 10% penalty for every 12-month period delayed - for the rest of your life! Part D late penalties also accumulate month-by-month. We protect you from these mistakes.
100% Free Consultation • Zero Broker Fees
Confused About Medicare Enrollment?
Our Licensed Guidance is Available to You at NO Cost.
You never pay a penny for our consultation, plan comparisons, or ongoing customer service. We represent the nation's leading carriers, bringing clear, honest guidance right to your neighborhood in Richardson, Texas.
Trusted Medicare Advisors in Richardson, TX - Serving Clients Nationwide
Choosing the right Medicare coverage can feel overwhelming, especially with so many plan options, benefits, and enrollment rules to consider. At True Health Insurance Group (formerly 12 Stones Financial Services), we provide trusted Medicare guidance for individuals and families nationwide who want to better understand their Medicare options and make confident decisions about their healthcare coverage.
As experienced, licensed Medicare advisors based in Richardson, TX, we help clients across the country navigate Medicare plans, compare available options, and find solutions that align with their healthcare needs, budget, and lifestyle. Our goal is to simplify the Medicare process and provide personalized support every step of the way.
- Medicare plan guidance
- Medicare Supplement plans
- Medicare enrollment support
- Medicare Advantage assistance
- Prescription drug plan info
- Personalized consultations
Experienced Licensed Medicare Advisors
Finding the right Medicare plan requires more than simply choosing an option from a list. A knowledgeable Medicare insurance agent can help you understand plan details, benefits, costs, and coverage differences.
At True Health Insurance Group, our agents take the time to evaluate options based on factors that matter to you:
- Your healthcare needs
- Preferred doctors & hospitals
- Coverage preferences
- Prescription medications
- Budget considerations
- Long-term healthcare goals
Helping Clients Nationwide Navigate Medicare Options
Medicare can be complex, but you do not have to navigate the process alone. Our team at True Health Insurance Group helps clients understand important Medicare decisions, including enrollment timelines, plan differences, and coverage options.
We work with individuals who are:
- Preparing to enroll in Medicare for the first time
- Reviewing existing Medicare coverage during Annual Enrollment
- Exploring Medicare Advantage vs. Supplement choices
- Comparing available insurance solutions across top carriers
Medicare Guidance for Those Approaching Retirement
Planning ahead is an important part of preparing for Medicare. Many individuals begin researching their options around age 64 so they have enough time to understand their choices and avoid last-minute rush decisions or gaps in coverage.
At True Health Insurance Group, we help clients nationwide prepare for Medicare by explaining enrollment periods, coordinating with retiree health benefits or COBRA, and clarifying important factors to consider when selecting a plan.
THE LOCAL ADVANTAGE
Why Choose True Health Insurance Group?
Choosing the right Medicare advisor means working with someone who understands your needs and provides reliable guidance. Based in Richardson, TX, our team serves clients across all states - we're committed to helping you make informed decisions with confidence.
Personalized Medicare Guidance
Every client's doctors and prescription list are evaluated individually to find the ideal match.
Experienced Licensed Professionals
Licensed in Texas and nationwide, with deep familiarity with North Texas hospital and doctor networks.
Clear, Plain-English Explanations
No confusing insurance jargon. We break down deductibles, copays, and rules simply.
Full Enrollment Support
We assist through paperwork, online submission, and confirm your ID cards arrive on time.
Client-Focused Recommendations
Zero pressure, zero quotas. Our obligation is 100% to your healthcare outcome and budget.
Ongoing Local Advocacy
When formularies change or you have billing questions, you call us directly - not an overseas 1-800 line.
OUR LICENSED TEAM
David Morris
LICENSED INSURANCE AGENT / PARTNER
Scott Stanwix
LICENSED INSURANCE AGENT / PARTNER
CLEAR ANSWERS
Frequently Asked Questions About Medicare
Have questions about your coverage or eligibility? Here are the most common questions we answer for clients nationwide.
What does a licensed Medicare advisor do?
A Medicare advisor helps individuals understand their Medicare options, compare available plans, and choose coverage that fits their healthcare needs and budget. At True Health Insurance Group (formerly 12 Stones Financial Services), we provide personalized Medicare guidance to help clients nationwide make informed decisions.
How can True Health Insurance Group help me choose a Medicare plan?
We evaluate your doctors, prescriptions, and healthcare priorities to compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription plans across leading carriers to find the right fit for your budget and needs.
When should I start planning for Medicare?
Most people should begin exploring their options around 6 months before turning 65. Your Initial Enrollment Period begins 3 months before your 65th birthday month, includes your birth month, and lasts for 3 months after.
Does True Health Insurance Group help people who are turning 65?
Yes. Transitioning to Medicare at age 65 is our core specialty. We walk you step-by-step through enrollment deadlines, Part A and Part B setup, and supplemental coverage choices.
What types of Medicare plans can I learn about?
We help you compare Original Medicare (Parts A & B), Medicare Advantage (Part C), Medicare Supplement Insurance (Medigap Plans G, N, etc.), and standalone Prescription Drug Plans (Part D).
Can a Medicare agent help me compare different plans?
Yes. As independent licensed agents, we represent multiple top-rated insurance carriers nationwide, allowing us to provide objective, side-by-side plan comparisons.
Why should I work with an independent Medicare insurance advisor?
Independent advisors work for you, not a single insurance company. We offer unbiased advice, evaluate all available options in your area, and provide dedicated year-round client advocacy.
Does Medicare guidance cost anything to me?
No. Our Medicare consultation and enrollment services are 100% free of charge to you. We are compensated directly by insurance carriers if you choose to enroll, with zero markup or hidden fees.
Still have a specific question about your doctor, prescriptions, or timeline?
Contact Us Today
Have questions? Contact our licensed team for more information and personalized assistance. We are here to help you every step of the way.
Office Location
Richardson, Texas
Serving Richardson, Plano, Dallas, Garland, and all of Texas
Rebranding Notice: True Health Insurance Group is the new company name for 12 Stones Financial Services. Same licensed agents, same phone number, same dedicated local service.
True Health Insurance Group
Formerly 12 Stones Financial Services
Trusted independent Medicare advisors based in Richardson, Texas, serving clients nationwide. We simplify your Medicare choices with zero high pressure and zero cost for consultation.
Independent Licensed Insurance Agents
Plan Categories
Original Medicare (Part A & Part B)
Medicare Advantage (Part C)
Medicare Supplement (Medigap)
Prescription Drug Plans (Part D)
Dental, Vision & Hearing Riders
Speak With An Agent
Direct Phone:972-619-6288
Email:[email protected]
Office Location:Richardson, Texas
CMS & Federal Regulatory Disclaimers:
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 20+ Medicare Advantage and Prescription Drug plan organizations and have access to 100+ Medicare plans depending on service area. Plan availability, benefits, premiums, copayments, and provider networks vary by location and are subject to change.
Not all plans are available in all areas. Any information provided is for educational purposes only and does not constitute an offer of coverage. Enrollment in a Medicare Advantage or Prescription Drug Plan depends on contract renewal with Medicare and individual eligibility.
For a complete list of plans available in your area, please contact 1-800-MEDICARE (TTY: 1-877-486-2048), available 24 hours a day, 7 days a week, or visit www.medicare.gov.
© 2026 True Health Insurance Group (formerly 12 Stones Financial Services). All rights reserved.