I understand that your situation is unique.

Let’s discuss your Medicare needs, identify your options and come up with the best solution for you.

  • I don’t work for the insurance company. I work for you.
  • I don’t provide one-size-fits-all solutions.
  • I’ll find the best options for you to choose from.
  • My services cost you nothing..

Let’s Talk.

(682) 402-2810

Please contact me if you have any questions about Medicare, your current coverage or if you would like to review additional options. I am always available to ensure that your coverage meets both your health and financial needs.

I am a licensed independent producer in Texas, California, Florida, Georgia, Indiana, Louisiana, New York and Oklahoma.

Schedule a Medicare Overview Call

Medicare can be confusing –
Let me help you navigate the process.

What is Medicare?

Medicare is the federal health insurance program.

Who is eligible for Medicare?

  • People who are 65 and older
  • People under the age of 65 who have been entitled to Social Security Disability Insurance (SSDI) for at least 24 months.
  • People who have been diagnosed with End-Stage Renal Disease

Traditional Medicare does not fully cover all costs associated with:

  • Hospitalization
  • Dental/Vision
  • Doctor Office Visits
  • Prescription Medication

At little to no additional cost, you could receive additional benefits, like over-the-counter allowances and transportation assistance, as well as reduced medical and prescription costs.

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Mission.

To provide informed access to comprehensive and affordable healthcare options for people who need it the most.

Call or text: (682) 402-2810

Mission.

To provide informed access to comprehensive and affordable healthcare options for people who need it the most.

Call or text:
(682) 402-2810

  • This field is for validation purposes and should be left unchanged.

PART A:
Hospital Insurance

For 2026, the Part A Original Medicare deductible for each inpatient hospital stay is $1,716.

Most people do not pay a Part A premium if they have worked and paid into Medicare taxes for at least 10 years.

Part A covers:

  • Inpatient hospital care
  • Skilled nursing facilities
  • Hospice care
  • Home healthcare

PART B:
Medical
Insurance

For 2026, the Part B Original Medicare deductible is $288.

Most people must pay a monthly Part B premium. Part B monthly premium for 2026 is $202.90 and may be higher depending on your income level.

If you do not enroll in Part B during your Initial Enrollment Period (IEP), and do not have other insurance coverage, you may have a late enrollment penalty. The late enrollment penalty will add an extra 10% of the Part B premium for each 12-month period you could have been enrolled in Part B but weren’t.

Part B covers:

  • Medically necessary doctor visits
  • Outpatient care
  • Durable Medical Equipment (DME): DME may include wheelchairs, blood sugar meters, oxygen equipment and walkers
  • Preventive services: These services may include colonoscopies, mammograms, vaccines, yearly Wellness visits

PART C:
Medicare
Advantage

Part C is also known as Medicare Advantage.

You must be enrolled in Part A and Part B to enroll in a Medicare Advantage plan.

Medicare Advantage plans, by law, must offer at a minimum the same coverage as Original Medicare.

These plans are offered by private health insurance companies as an alternative to Original Medicare.

Many plans offer coverage and additional benefits not offered by Original Medicare, like:

  • Out-of-pocket limits
  • Prescription drug coverage (Part D)
  • Dental coverage
  • Vision coverage

PART D:
Prescription Drug Coverage

Part D is prescription drug coverage offered by private insurance companies. You must sign up for Part A or Part B before you enroll in a Part D plan.

(AEP):

Medicare Annual Enrollment Period

Medicare’s Annual Enrollment Period (AEP) occurs from October 15th through December 7th and is the time for you to make changes to your Medicare coverage.

Plan coverage and cost may change for the upcoming year and it’s imperative to ensure that your coverage continues to meet your needs.

Happy with your current plan?

If you are happy with your current plan and have reviewed your Annual Notice of Change (ANOC) letter from your current carrier, you do not need to do anything. The ANOC, which you should receive in September, will outline any changes to your current plan.

What changes can you make during AEP?

  • Enroll in a Medicare Advantage Plan (Part C) if you have original Medicare.
  • Switch from your current Medicare Advantage Plan to another Medicare Advantage Plan
  • Enroll in a Medicare Prescription Drug Plan (Part D)
  • Switch from your current Prescription Drug Plan to another Prescription Drug Plan

Currently enrolled in a Medicare Advantage Plan? Reasons why you may consider a change:

  • Your plan premium has increased
  • Your doctors are no longer in-network
  • Your current plan is no longer being offered
  • Additional benefits are no longer available

Helpful Links:

Have you applied for the Medicare Part D Extra Help program?

The Extra Help program helps with the cost of your prescription drugs, like deductibles and copays. Click here to find more information and the application to apply.

Medicare & You 2026

The official U.S. Government Medicare handbook. Everything you could want to know about Medicare is located in this handbook.

Medicaid

Medicaid may help pay for your Medicare Part B premium, Part B deductible, Part A deductible, as well as copays and coinsurance. Many people are eligible for Medicare and Medicaid, which is known as dual eligible.

Contact your state’s Medicaid office to find out if you have dual eligibility:

TEXAS

OKLAHOMA

GEORGIA

CALIFORNIA

INDIANA

LOUISIANA

FLORIDA

NEW YORK

About Erin McDonald.

Erin McDonald was born and raised in Fort Worth, Texas and is a third generation Fort Worthian. She attended the University of Georgia where she obtained a Bachelor of Business Administration in 2008.

After graduation, Erin returned to Fort Worth and began working in development for United Community Centers (UCC), a local nonprofit agency that has been serving the people of Fort Worth for more than 100 years. Following her time with UCC, she left to begin her role as Director of Business Development, and later Chief Operating Officer, for McDonald Law Firm where she played a significant role in the growth of the firm, including their Social Security Disability practice. Erin is also a licensed EDPNA, a non-attorney representative who provides representation for claimants during the Social Security Disability adjudicatory process.

Erin’s work at both UCC and McDonald Law Firm expanded her passion for helping people – especially those who are experiencing medical or financial stress. This resolve to help people in need lead to her founding Panther Insurance Services.

Outside of work, Erin is still involved with UCC as a current board member. As a lover of dogs, she is a strong advocate for “adopt don’t shop” and encourages everyone to look at your local shelters when ready to make the important decision to bring a pet into your life. She enjoys spending time at the family lake house at Possum Kingdom where her family has been going since the early 1960s. Her greatest joy comes from being the “fun aunt” to her two nieces who keep her laughing constantly and inspired.

Erin McDonald
Erin McDonald

About Erin McDonald.

Erin McDonald was born and raised in Fort Worth, Texas and is a third generation Fort Worthian. She attended the University of Georgia where she obtained a Bachelor of Business Administration in 2008.

After graduation, Erin returned to Fort Worth and began working in development for United Community Centers (UCC), a local nonprofit agency that has been serving the people of Fort Worth for more than 100 years. Following her time with UCC, she left to begin her role as Director of Business Development, and later Chief Operating Officer, for McDonald Law Firm where she played a significant role in the growth of the firm, including their Social Security Disability practice. Erin is also a licensed EDPNA, a non-attorney representative who provides representation for claimants during the Social Security Disability adjudicatory process.

Erin’s work at both UCC and McDonald Law Firm expanded her passion for helping people – especially those who are experiencing medical or financial stress. This resolve to help people in need lead to her founding Panther Insurance Services.

Outside of work, Erin is still involved with UCC as a current board member. As a lover of dogs, she is a strong advocate for “adopt don’t shop” and encourages everyone to look at your local shelters when ready to make the important decision to bring a pet into your life. She enjoys spending time at the family lake house at Possum Kingdom where her family has been going since the early 1960s.

Panther Insurance Services
(682) 402-2810

PO Box 100013 . Fort Worth, TX 76186

Erin McDonald is a licensed independent producer in Texas, Oklahoma, Louisiana, Indiana, Georgia, California and New York and is in no way endorsed by the United States government or the Centers for Medicare and Medicaid Services. She does not offer every plan available in your area. Currently she represents seven (UnitedHealthcare, Baylor Scott & White, Humana, HealthSpring, Aetna, BlueCross BlueShield of Texas and Wellcare) organizations which may offer products in your area. Any information she provides is limited to those plans she does offer in your area. Please contact Medicare.gov, 1-800-MEDICARE or your local State Health Insurance Program (SHIP) to get information on all of your options.

TX License No. 2626730 | CA License No. 4204921 | OK License No. 3001882255 | NY License No. LA-1943531
GA License No. 3523380 | IN License No. 3792669 | LA License No. 1061845 | FL License No. G107176