Misty Tucker, Medicare Insurance Broker

About Me

RN turned Broker! I help seniors understand ALL Medicare options. I simplify everything so you can make the BEST decision for your needs. I provide yearlong support to all my clients.

Let me take the stress out of turning 65. I can be your guide to all things Medicare.

Voted Best Insurance Agent Hood County-TX in 2024 and 2025

Top Medicare Supplement Producer 2025 &

Rising Star Award 2025 by Awendt Agency.

I'm an independent broker, which means I work with many carriers and products. As your agent/broker, I become your customer service dept.

My nursing background is beneficial to all my clients, young or old.

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Q&A with Misty Tucker

Why do some seniors end up paying lifelong penalties for Medicare Part B or Part D?

Answer: Late Enrollment penalties (LEP's) are a result of not having creditable coverage through an employer or spouse and not being enrolled in Medicare Part B or Part D after age 65. Part B and Part D (drug) penalties are calculated based on how my many months you went without being enrolled in Medicare Part B and Part D past age 65. Medicare Part B penalties may go away after a certain amount of time, Part D penalties never go away. LEP's are avoidable by enrolling in Medicare Part B and Part D at age 65 if you do not have "creditable" coverage. Medicare considers most group employer plans creditable, but it a good idea to check with your HR dept ahead of your 65th birthday to verify.