Medicare sucks. The language is confusing, the options are overwhelming, and nobody explains it straight. That's our job. Free, no-pressure guidance so you get the right plan. You won't lose your mind in the process.
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Everything you wish someone had handed you at 64.
Everything you need to know about Medicare on one page. Parts A, B, C, D, key dates, and what to watch out for. Simple, fast, free.
Download Free →The official CMS handbook straight from the source. 128 pages covering every Medicare option, enrollment window, and cost for 2026.
Download Free →The Insider's Guide to Turning 65 by CJ Gardner. Everything your Medicare agent never told you, in plain English. Download your free copy.
Download Free →How Medicare Actually Works
Medicare isn't one thing. It's a system. Here's how it's structured, and where we come in.
Part A covers your hospital stays, skilled nursing, hospice, and home health care. Part B covers doctor visits, outpatient care, preventive services, and durable medical equipment. Together, they're the foundation. But they leave gaps. Big ones.
Learn More →A private alternative that bundles Parts A, B, and usually Part D into one plan. Often includes dental, vision, and hearing that Original Medicare flat-out doesn't cover. Plans have networks and an annual out-of-pocket maximum, so you always know the worst-case number.
Learn More →Plugs the holes Original Medicare leaves behind: your 20% coinsurance, deductibles, hospital costs. Any doctor in the U.S. who takes Medicare, no referrals, no networks. Predictable costs. The trade-off is a higher monthly premium. Worth it for a lot of people.
Learn More →Because apparently hospital and doctor coverage wasn't complicated enough, drugs are separate. Part D covers your prescriptions. In 2026, your out-of-pocket drug costs are capped at $2,100 for the year. Hit that cap and you pay nothing for covered drugs the rest of the year.
Learn More →Here's what most agents skip: Medicare doesn't cover everything. Dental. Vision. Hearing. Long-term care. Accidents. We call these your "exposures." The gaps that exist whether you know about them or not. We walk you through every single one so nothing blindsides you later.
Learn More →You spent decades building it. Now let's make sure it lasts. We work with annuities and retirement income strategies designed to turn what you've saved into predictable, protected income for life. No more guessing whether the money will run out before you do.
Learn More →Still confused? Good. That means you're paying attention. Let's talk through it.
Book a Free ConsultationWhy People Choose Gardner
We're independent. That means we don't have a quota, a script, or a favorite plan we're pushing this month. We look at what you actually need and find the plan that fits, even if it's not the one with the fattest commission.
Revolutionary concept, we know. Most clients get a real answer the same day they reach out. No call centers. No hold music. No getting transferred to someone who doesn't know your name.
Not "free with a catch." Not "free if you buy something." The carriers pay us. You never do. Every consultation, every comparison, every enrollment. Zero dollars out of your pocket. Ever.
Signing you up isn't the finish line for us. We do annual reviews, check in when plans change, and make sure you're still on the best option every single year. You get a real person in your corner. Not a stranger who disappears after enrollment.
One free call. No obligation. No sales pitch. No hold music.
Just someone who actually knows this stuff and will tell it to you straight.
(469) 402-5794 · info@gardnermr.com · New Braunfels, TX
