Diligent Healthcare Solutions

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Hello, I’m De’Andre Reed
Founder of Diligent Healthcare Solutions

I have spent more than 15 years serving seniors and individuals with disabilities through the senior living and healthcare industry. Throughout my career, I’ve helped older adults and their families navigate important decisions, connect with valuable resources, and better understand their care and support options. From 2021–2024, I also served on the Adult Protective Services Board, helping promote awareness and advocacy for vulnerable adults and seniors in our community.

As the owner of Diligent Healthcare Solutions, my mission is to make Medicare easier to understand and less overwhelming. I believe in educating clients, answering questions, and providing personalized guidance so they can feel confident in their healthcare decisions. As an independent life and health insurance agent, I’m able to compare plans from multiple insurance carriers rather than being limited to just one company — helping clients find coverage that best fits their healthcare needs, lifestyle, and budget. Whether you are turning 65, retiring, or reviewing your current coverage, I’m committed to providing honest guidance and dependable support every step of the way.

What You’ll Find on This Website

This website was created to give individuals and families access to simple Medicare education, helpful tools, and easy-to-understand resources. My goal is to help you better understand your options at your own pace, without pressure. And if you ever have questions or need personalized guidance, I’m only a phone call away.

🗓 Medicare Timeline Calendar
📘 Downloadable Medicare Guide
🔍 Plan Comparison Tools
🎥 Educational Videos & Resources

📍 Serving Travis & Williamson County
📞 Phone Consultations Available
💻 Virtual & In-Person Appointments

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MCR Cov

Medicare Coverage Options

Explore the different Medicare coverage options available to help meet your healthcare and financial needs. Click each tab below to learn how these plans work and which options may best fit your situation. For additional guidance and more in-depth information, feel free to download the Medicare Guide and personalized Medicare Timeline.

Part C (Medicare Advantage) plans are offered by private insurance companies approved by Medicare. These plans combine Part A (Hospital Insurance) and Part B (Medical Insurance) and often include additional benefits such as prescription drug coverage, dental, vision, hearing, fitness programs, and transportation benefits.

PART C

Medicare Advantage

Helps cover:

Hospital coverage
Medical coverage
Prescription drug coverage (Part D)
Dental benefits
Vision benefits
Hearing benefits
Fitness memberships
Over-the-counter allowances
Transportation assistance

2026 Costs:

Monthly Premium: Varies by plan
Deductibles: Varies by plan
Copays & Coinsurance: Varies by plan and services received
Maximum Out-of-Pocket (MOOP): Limits yearly covered medical expenses

Common Medicare Advantage Plan Types:

HMO (Health Maintenance Organization)
PPO (Preferred Provider Organization)
SNP (Special Needs Plans)
PFFS (Private Fee-for-Service)

Things to Consider:

Medicare Advantage plans typically use provider networks and may require referrals depending on the plan type. Benefits, provider networks, drug formularies, and costs can change annually.

What Medicare Advantage Plans May Not Fully Cover

Copays and coinsurance
Network restrictions
Prior authorization requirements
Limited out-of-network coverage on some plans

Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and/or people of any age with End-Stage Renal Disease, or ESRD (permanent).

PART A

Hospital Insurance

Helps cover:

Inpatient hospital stays
skilled nursing facility care
hospice care
certain home health services.

2026 Costs:

Monthly Premium: Most people pay $0
Deductible: $1,736 per benefit period
Coinsurance:
- Days 1–60: $0 after deductible
- Days 61–90: $434/day
- Lifetime reserve days: $868/day

Benefit Period - A benefit period ends after 60 consecutive days without inpatient or skilled nursing care. A new benefit period may result in a new Part A deductible.

Lifetime reserve days - Medicare provides up to 60 additional hospital days after day 90 of an inpatient stay. Once used, they do not renew.

PART B

Medical Insurance

Helps cover:

doctor visits,
outpatient services,
preventive care,
durable medical equipment,
and certain home health services.

2026 Costs:

Monthly Premium: $202.90 standard premium
Annual Deductible: $283
Coinsurance: Typically 20% of Medicare-approved services after deductible

Higher-income individuals may pay more for Part B premiums.

What Original Medicare Does Not Typically Cover

Most dental care
Routine vision exams and eyeglasses
Hearing aids and routine hearing exams
Prescription drugs without Part D coverage
Long-term custodial care
Most care outside the United States
Deductibles, copays, and coinsurance

Many individuals choose additional coverage options such as Medicare Supplement plans, Medicare Advantage plans, prescription drug plans, and supplemental coverage options like dental, vision, hearing, or hospital indemnity plans.

Medicare Supplement, also known as Medigap, is private insurance that works alongside Original Medicare and may help cover certain out-of-pocket costs not fully paid by Medicare, including deductibles, copays, coinsurance, skilled nursing facility coinsurance, certain foreign travel emergencies, and some hospital-related expenses.

Medicare Supplement (Medigap) Plan Comparison

Plan A - Basic coverage that helps pay for certain Medicare copays and coinsurance costs.

Plan B - Includes the same basic benefits as Plan A, plus coverage for the Medicare Part A deductible.

Plan D - Helps cover Medicare deductibles, copays, coinsurance, and certain foreign travel emergencies.

Plan G - One of the most comprehensive and popular Medicare Supplement plans. Helps cover most out-of-pocket Medicare costs except the Part B deductible.

Plan K - Lower premium option that helps cover a percentage of certain Medicare expenses until the annual out-of-pocket limit is reached.

Plan L - Similar to Plan K but covers a higher percentage of Medicare costs before reaching the out-of-pocket limit.

Plan M - Helps cover many Medicare out-of-pocket costs but only covers 50% of the Part A deductible.

Plan N - Lower premium option that may require copays for some doctor and emergency room visits.

Medicare Supplement plans do not typically include prescription drug coverage, dental, vision, or hearing benefits. Separate coverage may be needed for those services. Benefits are standardized by the federal government, but premiums may vary by insurance company.

What Medicare Supplements Do Not Typically Cover

Medicare Supplement (Medigap) plans do not typically include prescription drug coverage, dental, vision, hearing, or long-term custodial care benefits, so separate coverage may be needed for those services.

Medicare Part D: Prescription Drug Coverage

Medicare Part D helps cover prescription drugs. Part D coverage is offered by Medicare-approved private insurance companies. It may be purchased as a stand-alone prescription drug plan, or it may be included in some Medicare Advantage plans.

PART D

Presription Drug Coverage

Helps cover:

Prescription medications
Certain vaccines
Insulin and other covered drugs
Brand-name and generic medications
Drugs listed on the plan’s formulary

2026 Costs:

Monthly Premium: Varies by plan
Annual Deductible: Up to $615
Initial Coverage: After the deductible, members usually pay a copay or coinsurance based on the plan’s drug tiers
Out-of-Pocket Cap: $2,100 for covered Part D drugs
Catastrophic Coverage: After reaching the out-of-pocket cap, members pay $0 for covered Part D drugs for the rest of the calendar year

Part D Late Enrollment Penalty:

A person may owe a late enrollment penalty if they go without Medicare drug coverage or other creditable prescription drug coverage for too long after becoming eligible. This penalty can last as long as the person has Medicare drug coverage.

Things to Consider:

Part D plans can vary by:

Monthly premium
Deductible
Copays and coinsurance
Drug formulary
Drug tiers
Preferred pharmacies
Mail-order options
Prior authorization
Step therapy
Quantity limits

A plan that works well for one person may not be the best fit for another person, even if they use the same pharmacy.

What Medicare Part D Plans May Not Fully Cover

Drugs not listed on the plan’s formulary
Drugs excluded by Medicare rules
Over-the-counter medications
Most vitamins and supplements
Drugs covered under Medicare Part A or Part B
Medications filled at an out-of-network pharmacy, unless plan rules allow it

Supplemental coverage options are insurance plans designed to help provide additional benefits or financial protection beyond Original Medicare. Depending on the plan selected, these plans may help with out-of-pocket healthcare expenses, dental, vision, hearing, hospital-related costs, and other eligible services not fully covered by Medicare.

Dental Insurance

May help cover routine dental services such as cleanings, exams, X-rays, fillings, crowns, extractions, dentures, and other eligible dental care expenses.

May include waiting periods, annual maximums, and coverage limitations.

Vision Insurance

May help cover routine eye exams, eyeglasses, contact lenses, and certain vision-related services.

Some plans may limit frame allowances, lens upgrades, or out-of-network services.

Hearing Insurance

May help cover hearing exams, hearing aids, fittings, and certain hearing-related services.

Coverage limits and hearing aid allowances may vary by plan.

Hospital Indemnity Plans

Hospital indemnity plans provide cash benefits that may help with eligible out-of-pocket expenses related to hospital stays, copays, deductibles, transportation, lodging, and other healthcare-related costs depending on the plan selected.

Benefits are limited to covered events outlined in the policy.

County Locator

MCR Timeline

Your Medicare Roadmap

Get a personalized overview of important Medicare enrollment periods and deadlines tailored to your Medicare eligibility timeline.

Simply enter your date of birth and email to receive a personalized Medicare enrollment timeline and important Medicare deadlines directly to your email.

No spam. No obligation. No appointment required.

Your personalized timeline will be emailed directly to you.*

Get My Personalized Timeline

Explore Local Plans

Personal Guidance First.
Online Access When You're Ready.

When you schedule a free personal Medicare consultation, we’ll review your needs together and narrow down the options that may fit you best. After our review, if you still have questions or just need more time to compare your options, we can send you a secure link to a personal plan comparison tool. This can allow you to continue reviewing available options at your own pace after our conversation.

That means you do not have to rely on guesswork — and you do not have to feel rushed

A Scope of Appointment (SOA) form is required by federal regulations before a personal Medicare plan review. This simply notes the specific plan types you want to look at.

Schedule a Personal Plan Review

Prefer to talk? Reach a local agent at
(512) 755-8080

View Upcoming Workshops

Explore our upcoming online and in-person Medicare educational seminars. These no-cost sessions are designed to help you better understand Medicare, important enrollment timelines, coverage options, and questions to consider—without pressure or obligation.

Visit our events page to view available dates, locations, and registration details.