Business Details
16 Years
experience
Your Trusted Medicare Insurance Partner in Texas & Colorado
Hill Country Associates was founded by L. June Isgitt, a licensed life and health insurance agent with over a decade of experience in the insurance industry. June transitioned to insurance after a successful career in Human Resources, bringing a unique perspective to client needs. Her expertise in Medicare insurance programs, including Medigap, Advantage, and Prescription Drug Plans, has made her a trusted advisor for clients in Texas and Colorado. With a BBA in Human Resources from the University of Texas, June combines professional rigor with personalized service. The company specializes in simplifying complex Medicare options for individuals aged 65+ and younger clients with disabilities.June's commitment to community engagement and client education drives the company's mission to provide transparent, tailored insurance solutions. Operating from Highlands Ranch, Colorado, Hill Country Associates serves clients across two states while maintaining a focus on local market needs. The team prioritizes ongoing support, ensuring clients understand their coverage options and eligibility requirements. Their approach emphasizes long-term relationships built on trust, expertise, and ethical practices. By staying current with federal regulations and plan changes, the company ensures clients receive up-to-date guidance for informed decision-making.
Services
Medicare Supplements (Medigap)
Medicare Advantage Plans
Medicare Part D Plans
Prescription Drug Coverage
Medicare Eligibility Consultation
Insurance Review Services
Coverage Gap Analysis
Plan Comparison Services
Enrollment Assistance
Policy Renewal Support
Details
- Year established: 2010
Highlights and features
- We offer 12+ years of Medicare insurance expertise from a former Human Resources professional.
- Our team provides personalized guidance for Texas and Colorado residents.
- We specialize in simplifying complex Medicare coverage options.
- Our founder maintains active community involvement and client-focused ethics.
- We deliver transparent, jargon-free explanations of insurance plans.
Services
Medicare Supplements (Medigap)
Medicare Supplements bridge coverage gaps in Original Medicare by covering deductibles, copayments, and coinsurance. These plans help reduce out-of-pocket expenses for hospital stays, doctor visits, and hospice care. Ideal for clients seeking predictable healthcare costs with comprehensive coverage.
Medicare Advantage Plans
Medicare Advantage combines Parts A, B, and often D into single plans with predictable costs and additional benefits. These private insurance options include HMOs, PPOs, and SNPs with maximum out-of-pocket limits. Suitable for clients wanting bundled coverage and extra perks like dental or vision.
Medicare Part D Plans
Part D plans provide standalone prescription drug coverage for clients with Original Medicare. Plans vary by formulary, premiums, and medication tiers. Essential for managing long-term medication costs while avoiding late enrollment penalties for delayed coverage.
Medicare Eligibility Consultation
We help determine Medicare eligibility based on age, disability status, and work history. Our consultations explain qualification requirements and enrollment timelines. Critical for clients approaching 65 or considering early enrollment due to health conditions.
Insurance Review Services
Our free insurance reviews evaluate existing Medicare coverage gaps and cost-effectiveness. We compare plan options based on individual healthcare needs and budget constraints. Designed to ensure clients maintain optimal coverage as their needs evolve over time.
People
L. June Isgitt
Principal Agent
Licensed life and health insurance agent since 2010 with prior Human Resources career. BBA from University of Texas, serving Texas and Colorado clients. Specializes in Medicare Supplements, Advantage, and Part D plans.
Questions
What Medicare insurance options do you specialize in?
We specialize in Medigap, Medicare Advantage (Part C), and Medicare Part D prescription drug plans, helping clients choose between Original Medicare and private insurance options.
Do you offer services for both Texas and Colorado residents?
Yes, our licensed agent provides Medicare insurance guidance to clients in both Texas and Colorado with state-specific plan knowledge.
What experience does your team have with Medicare plans?
Our principal agent has 12+ years of Medicare insurance experience and previously worked in Human Resources, providing unique insights into healthcare coverage needs.
How do you help clients choose between Medigap and Advantage plans?
We analyze your healthcare needs, budget, and preferred providers to determine whether Medigap's supplemental coverage or Advantage's bundled plans better suit your situation.
What happens if I miss initial Medicare Part D enrollment?
Missing initial enrollment may result in late penalties when you eventually enroll, making prescription drug coverage more expensive in the future.
Can you explain Medicare's coverage gaps and how to address them?
Original Medicare covers 80% of costs, leaving 20% for you to pay. We help address these gaps through supplemental insurance options like Medigap policies.
