Skye Edwards, Medicare Insurance Broker
Skye Edwards
Right Decision Insurance
Medicare Broker Licensed in TX, AZ, FL, LA, MA, ME, MO, NJ, NY, OK, TN and WA
5+ Years of Experience
Contact Details
-
Serving
Aledo, TX
-
Phone
-
Website
-
Schedule An Appointment
-
Pre-Appointment Form
-
Facebook
About Me
I'm Skye Edwards, founder of Right Decision Insurance in Fort Worth. I help people make sense of their insurance choices and stay available when they need help using their coverage.
I started Right Decision Insurance in 2022 after working for a couple of companies. I help people navigate Medicare, health insurance, life insurance, and annuities. I want you to feel comfortable asking questions, even when you're not sure where to start.
Before you choose coverage, I help simplify the choices and explain the details. Afterward, whether it's a billing issue or a question about a doctor or pharmacy, I help you understand what to do next and advocate for you along the way. To me, service continues long after the paperwork is signed.
Outside of work, I enjoy pickleball. If you know me from the court, you may know me as a fellow player long before you know what I do for a living.
My Google Reviews
53 Total Reviews (5.0 )
November 7, 2026
Goes the extra mile to help.
November 7, 2026
I cannot say enough wonderful things about Skye! When it was time for me to make an important decision regarding my Medicare coverage, Skye was knowledgeable, professional, personable, and always accessible. He took the time to explain my options and made the entire process easy and stress-free. A couple of years later, when my brother needed assistance selecting his Medicare plan, I didn’t hesitate to refer him to Skye. Once again, he exceeded expectations by helping my brother secure an excellent plan that has met all of his needs. It’s refreshing to work with someone who genuinely cares about his clients and goes above and beyond to ensure they are taken care of. Skye has earned my trust and confidence, and I would gladly recommend him to anyone needing assistance with Medicare. Skye is definitely a keeper! Exceptional service, outstanding knowledge, and a pleasure to work with! I cannot say enough wonderful things about Skye! When it was time for me to make an important decision regarding my Medicare coverage, Skye was knowledgeable, professional, personable, and always accessible. He took the time to explain my options and made the entire process easy and stress-free. A couple of years later, when my brother needed assistance selecting his Medicare plan, I didn’t hesitate to refer him to Skye. Once again, he exceeded expectations by helping my brother secure an excellent plan that has met all of his needs. It’s refreshing to work with someone who genuinely cares about his clients and goes above and beyond to ensure they are taken care of. Skye has earned my trust and confidence, and I would gladly recommend him to anyone needing assistance with Medicare. Skye is definitely a keeper! Exceptional service, outstanding knowledge, and a pleasure to work with!
November 6, 2026
Mr. Edwards, is very professional. I thank him for taking the time to help me find the best insurance that meets my needs. Thank you so much..
November 6, 2026
Skye is knowledgeable and knows the current market. He is personable and answers questions in a manner that I understand. I highly recommend Skye. We have been his clients for over a year
November 6, 2026
Skye is a total joy to work with. Professional, knowledgeable, thorough and able to meet my needs and answer any questions I might have. I highly recommend for your Medicare needs.
Q&A with Skye Edwards
Do I need to do anything for Annual Enrollment Period (AEP)?
Answer: Yes. Always, Always, Always, review your current plan info and compare it to the other plans that are available. Plans change every year, and it is imperative that you review your plan so that you are not stuck on something that isn't good for you anymore.
Why is the new $2,000 out-of-pocket maximum for drug costs important?
Answer: Previously, the out-of-pocket maximum was $8000; this is significant savings for many people.
However, it also imposes a significant burden on insurance companies, which affects other costs of the plans, including: premiums, copayment, coinsurance. Many beneficiaries will see increased costs in other areas due to the changes in prescription drug coverage.
My Advantage plan says I need a referral just to see a dermatologist. I thought PPOs didn't require that - was I wrong?
Answer: PPOs don't require referrals most of the time. However, there are certain services that require prior authorization. There are also certain doctors that may require referrals, regardless of insurance requirements.
How do I compare Part D plans to minimize costs for a mix of generic and specialty drugs?
Answer: The best way to compare is by speaking with a broker, or by reviewing your plan options through Medicare.gov.
Why do so many seniors wait until the last minute to enroll in Medicare, and how can agents help prevent bad decisions?
Answer: Many seniors wait until the last minute because they dread the thought of enrollment. Agents can help prevent bad decisions by educating others often and early. The more a beneficiary knows before they sign up, the better decisions they will make.
Is Medicare's coverage for cataract surgery enough, or do seniors still face high out-of-pocket costs?
Answer: Cataract surgeries are covered by Medicare; however, most lens replacements are not. Many people still face high out-of-pocket costs because they aren't aware of the lenses being different than the surgery.
Can I switch from a Medicare Advantage plan to a Supplemental/Medigap plan during the Annual Enrollment Period without answering health questions?
Answer: Not most of the time. The Annual Enrollment Period allows beneficiaries to switch from any Medicare Advantage plan to another Medicare Advantage plan, or back to Original Medicare and a Prescription Drug Plan. Beneficiaries may also switch from Original Medicare to a Medicare Advantage plan.
Medicare Supplement plans will require beneficiaries to answer health questions to join, unless they are new to Medicare (this is called Medicare Supplement Open Enrollment. It lasts for the first 6 months of joining Part B of Medicare), or if they have a guaranteed issue (GI) right as defined by Medicare. You can review GI rights by calling me or by reviewing the Choosing a Medigap Policy booklet provided by CMS.
Does Medicare Part A cover outpatient surgery, or is that strictly under Part B?
Answer: Medicare Part A does not cover outpatient surgery. Medicare Part A only covers inpatient hospital stays.
Will I be penalized if I do not enroll in Medicare when I turn 65?
Answer: This is a loaded question. Many people work past the age of 65, and if they have creditable insurance, they won't be penalized.
However, there are many things to consider when reviewing Medicare enrollment. It is always advisable to speak with a licensed agent before making the decision to opt in or opt out.
When discussing Medicare enrollment with me, I walk you through things like:
Late Enrollment Penalty -- what is considered creditable coverage?
Tax implications of enrolling in Medicare Part A and making HSA contributions.
Employer-sponsored insurance vs. Medicare
Medicare Advantage vs. Medicare Supplement.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare Broker is extremely valuable for many reasons, but I'll offer my top two.
First, when you work with a local broker, you get an unbiased opinion on the various plans available. Some things may look good on paper, but not work the same in reality. Some plans boast of extraordinary benefits, but they truthfully do not work for everyone.
Second, working with a local broker gives you real customer service. My clients have exclusive access to top-tier customer service without the wait. They know they will get the answers they are looking for in a timely manner without having to go through the wringer.
Bonus Answer: When you work with me, you actually know who you are talking to -- a real-life, honest guy, here to help guide you through all your insurance needs.