TandT Consulting Services

TandT Consulting Services TandT Consulting prioritizes education in the insurance industry, specializing in Medicare, Life, and Health insurance. TANDTCONSULTINGINS.COM | 734-394-9984

We thoroughly answer every question before recommending products, ensuring our clients make informed decisions about their plan needs. At TandT Consulting, we firmly believe that education is the foundation of making informed decisions in the insurance industry. Specializing in Medicare, Life, and Health insurance, our mission is to empower our clients with the knowledge and understanding they nee

d to select the right coverage for their unique circumstances. Our approach is centered on the following core principles:

Thorough Education: We take the time to thoroughly explain the intricacies of Medicare, Life, and Health insurance, ensuring that our clients have a clear understanding of their options, benefits, and potential limitations. We break down complex concepts into easy-to-understand terms, enabling our clients to make confident, informed decisions. Personalized Guidance: We recognize that every client's situation is unique, which is why we provide personalized guidance tailored to their specific needs and preferences. Our team of licensed independent insurance agents take the time to listen to our clients' concerns, goals, and budget constraints, allowing us to offer recommendations that align with their best interests. Comprehensive Question Answering: We believe that no question is too small or too complex when it comes to insurance. Our commitment to education means that we prioritize answering every question thoroughly and accurately before recommending any product. We want our clients to have complete peace of mind and clarity before making any decisions. Trusted Partnerships: We work with top-rated insurance carriers to provide our clients with access to a wide range of Medicare, Life, and Health insurance products. Our partnerships allow us to offer unbiased comparisons and recommendations, ensuring that our clients receive the best value for their insurance needs. Ongoing Support: Our commitment to our clients extends beyond the initial consultation and enrollment process. We provide ongoing support, regularly reviewing coverage to ensure that it continues to meet our clients' evolving needs. We are always available to answer questions, provide updates, and offer guidance as needed. If you're looking for a Knowldgeable licensed independent insurance agent to guide you through the complexities of Medicare, Life, and Health insurance, look no further than TandT Consulting. Contact us today to schedule a free consultation.

Retiring Soon? Here’s What You Need to Know About Medicare.Don’t wait until the last minute to figure out Medicare.If yo...
10/18/2025

Retiring Soon? Here’s What You Need to Know About Medicare.

Don’t wait until the last minute to figure out Medicare.

If you’re retiring soon, here’s what you need to do:
✅ Find out if you need to enroll right away (or if your employer plan lets you delay).
✅ Check what Medicare covers (and what it doesn’t).
✅ Compare plan options so you aren’t stuck with unexpected costs.

💡 Medicare planning before retirement can maximize your budget and minimize stress later.

📞 Call us today to review Medicare plans in your area with a licensed insurance agent.

10/16/2025

Did you know? Medicare Part D Now Has a $2,000 Out-of-Pocket Cap!

As of 2025, Medicare Part D now limits your annual out-of-pocket drug costs to $2,000.

Here’s what this means for you:
✅ Once you spend $2,000 on covered medications, you won’t pay anything else for the rest of the year.
✅ This is a game-changer for people with high prescription costs.
✅ No more worrying about unlimited drug expenses!

💡 Want to make sure your plan takes full advantage of this new coverage? Let’s review your coverage.

📞 Call us for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

10/15/2025

FAQ: Does Medicare Cover Hearing Aids?

👂 Original Medicare (Parts A & B) does NOT cover hearing aids or routine hearing exams. That means:

❌ You pay 100% of the cost for hearing aids & fittings
❌ Routine hearing exams aren’t covered unless medically necessary

📞 To learn more, Call us for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

10/14/2025

How Many Medicare Supplement Plans Are There?

💡 Did you know there are 10 different Medicare Supplement (Medigap) plans?

📌 Medigap plans help cover what Original Medicare doesn’t, like:

✔ Deductibles & copays
✔ Coinsurance & hospital costs
✔ Extra coverage while traveling

💡 Choosing the right Medigap plan can help you save on out-of-pocket costs. Let’s explore your options!

📞 Call us today to review Medigap plans in your area with a licensed insurance agent.

10/10/2025

Missed Medicare Enrollment? You May Qualify for a Special Enrollment Period.

If you’ve recently:

✔ Moved to a new area
✔ Lost employer or Medicaid coverage
✔ Had a life change like marriage or divorce

💡 Certain life changes may make you eligible for a Special Enrollment Period (SEP), allowing you to enroll in or switch Medicare plans outside of standard enrollment periods.

📞 Call us today to speak with a licensed insurance agent about your options!

10/08/2025

I Signed Up for Medicare… But Now What?

You did the hard part—you enrolled in Medicare! But now what?

❓ How do you use your plan?
❓ What if you need to see a specialist?
❓ Do you need prescription coverage?

Many new Medicare beneficiaries don’t realize what their plan actually covers until they need care.

💡 Let’s go over the details so you know exactly what to expect. No surprises, just clarity.

📞 Call us today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

10/06/2025

Do I Need a Part D Drug Plan If I Don’t Take Medications?

💡 Yes, and here’s why!

Even if you don’t take prescriptions now, enrolling in Medicare Part D on time helps you:

✅ Avoid lifelong penalties for late enrollment
✅ Prepare for unexpected future medication needs
✅ Get coverage for preventive medications

💡 Medicare is about planning ahead. Let’s make sure you’re covered!

📞 Call us to review Part D plans with a licensed insurance agent.

10/02/2025

Travel Between States? Here’s What You Need to Know About Medicare!

If you live in different states throughout the year, your Medicare coverage could be affected.

✅ Original Medicare (Parts A & B) works nationwide—any doctor that accepts Medicare will see you.
❌ Medicare Advantage (Part C) plans usually have network restrictions, meaning your coverage may not work in both states.
💡 Medicare Supplement (Medigap) plans can help cover out-of-pocket costs while allowing flexibility to see providers anywhere Medicare is accepted.

📞 Call us today to speak with a licensed insurance agent and make sure your plan works wherever you go!

Why Am I Being Charged More for Medicare Than My Friend?A lot of people are shocked when they see their Medicare bill—es...
10/01/2025

Why Am I Being Charged More for Medicare Than My Friend?

A lot of people are shocked when they see their Medicare bill—especially when they realize their friend is paying less.

💰 If your income is above a certain level, you may have to pay more for Medicare Part B and Part D.
📅 But here’s something most people don’t know: Medicare uses your income from two years ago to decide what you owe.

If you’re retired now and making less than before, you may be able to appeal and lower your costs!

💡 Let’s talk about how Medicare calculates your costs and see if you’re maximizing your budget.

📞 Call today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

09/30/2025

I Thought Medicare Was Free?

You’ve paid into Medicare your whole working life, so it should be free when you turn 65… right?

🚨 Not exactly.
💰 Part B comes with a monthly premium.
💊 Prescription drug coverage isn’t included—you have to add a Part D plan.

Many people don’t realize this until they get their first bill. Let’s go over the costs so you’re not caught off guard.

📞 Call today for a no-cost, no-obligation Medicare consultation with a licensed insurance agent.

09/29/2025

Why Work With a Local Licensed Insurance Agent?

Medicare isn’t one-size-fits-all—so why rely on generic advice?

Working with a local, independent licensed insurance agent means:

✅ Personalized service—I help YOU, not a call center
✅ Local knowledge—I know the plans available in YOUR area
✅ Ongoing support—Not just a one-time call, I’m here year-round

💡 You don’t have to figure out Medicare alone. Let’s find the best plan for YOUR needs!

📞 Call us today to speak to a local licensed insurance agent for a free plan review.

09/27/2025

Have You Heard? Big Medicare Changes That Could maximize your budget!

If you’re on Medicare, there are HUGE updates you need to know about—and they’re already in effect!

✅ Insulin is now capped under Medicare Part D
✅ Adult vaccines—like the shingles shot—are now FREE (no cost-sharing!)
✅ More out-of-pocket prescription drug cost limits are coming soon

💡 But here’s the thing… not all Medicare plans apply these changes the same way. Are you sure your plan is maximizing your budget?

📞 Give us a call today to speak with a licensed insurance agent—let’s make sure you’re taking advantage of these coverage!

Address

9500 RAY WHITE Boulevard STE. 200
Fort Worth, TX
76244

Opening Hours

Monday 8:30am - 7pm
Tuesday 8:30am - 7pm
Wednesday 8:30am - 7pm
Thursday 8:30am - 7pm
Friday 8:30am - 7pm
Saturday 8:30am - 6pm

Telephone

+12172198120

Website

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