Medicare Advantage (Part C)
All-in-one plans with dental, vision and prescription extras — and a network. We check whether your primary care doctor and specialists are in the plans we can offer.
Local Medicare Agent in Waco, TX
Compare Medicare Advantage, Medigap and Part D options with Dale Whitaker. We check your doctors, prescriptions and expected costs before recommending a plan.
Dale Whitaker
- Licensed Texas insurance agent
- Licensed since 2011
- AHIP Medicare certified, renewed annually
- No cost for our help
- In-person, phone and home appointments
Independent, Texas-licensed agency. We do not offer every plan available in your area — we compare available options from the Medicare carriers we represent and explain which ones fit your doctors, prescriptions and budget.
Written and reviewed by Dale Whitaker, Licensed Texas insurance agent. Last reviewed: July 2026.
What Waco clients say
Reviews are shown with the client's first name, last initial and city, with permission.
Turning 65
“I was turning 65 and had no idea which forms came first. We went through my dates on one call, and I had my Part B start date and a plan picked out before my birthday month.”
Doctor networks
“My cardiologist was the whole issue. He checked the network before I signed anything and told me plainly which of the plans he could offer kept my doctor.”
Prescription costs
“He ran my six medications through the drug lists instead of just quoting me a premium. My yearly cost dropped and I'm using the same pharmacy on Valley Mills.”
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Three tools that answer a real question
These are the questions that actually decide which plan is right — not which brochure looks best.
Find your Medicare enrollment period
Enter your date of birth. We'll show your Initial Enrollment Period, the month to apply, and when coverage could begin.
Check my doctors
Tell us the doctor or clinic you want to keep. Dale checks it against the plans we can offer in your ZIP code and calls you with what he finds — usually the same or next business day. No instant results, and no guesswork.
Review my prescription costs
Premiums hide the real number. We price your medications against the drug lists of the plans we represent in your area, including your pharmacy, and call you with the total annual cost rather than the monthly headline.
Annual Enrollment runs Oct 15 – Dec 7
Plan networks, drug tiers and premiums change every year. A free review takes about 15 minutes. See what to review
Turning 65 in the next six months?
Your Initial Enrollment Period opens three months before your birthday month. Missing it can mean lifelong Part B penalties. Find my enrollment dates
Coverage we place in Waco, TX
We're independent, so we're not employed by one company. We put the options we can offer on the table, explain the trade-offs, and let the numbers decide.
Medicare Supplement (Medigap)
Predictable costs and freedom to see any provider that accepts Medicare — including Baylor Scott & White and Ascension Providence.
Part D Prescription Drug Plans
We run your exact medication list against the drug lists of the plans we represent and show the real annual cost, not just the premium.
Already on Medicare?
Second opinions on a plan you already have. If what you've got is the best of what we can offer, we'll say so and leave it alone.
Final Expense & Life
Simple whole-life coverage that keeps funeral costs off your family. Options available with no medical exam.
Turning 65 soon
Your seven-month Initial Enrollment Period, your one guaranteed Medigap window, and what happens if you're still working.
The difference is who answers the phone in year three.
Waco Senior Insurance is a small local agency. You will not be handed to a script reader in another state.
Call Dale: 254-264-2899- 01
You talk to the same person every year
Not a rotating call center. Dale Whitaker enrolls you, and Dale is who picks up in January when a claim looks wrong.
- 02
We check your doctors and your drugs first
Before any plan is recommended, we check your providers and run your prescription list against the plans we can offer. That's where most Waco seniors get burned.
- 03
Nothing we do costs you a dollar
We're paid by the carriers we represent, not by you, and your premium is the same either way.
- 04
We show up locally
Home and in-person appointments across McLennan County, plus phone and video if that's easier.
Why call us instead of 1-800-MEDICARE?
Both are worth using, and they do different jobs. 1-800-MEDICARE and Medicare.gov can tell you about every plan available in your area. We work with a smaller set of carriers, and we do the personal legwork on your doctors, medications and budget.
| Working with Dale Whitaker | 1-800-MEDICARE / Medicare.gov |
|---|---|
| One named local adviser you can reach again | A general assistance line staffed by different representatives |
| Reviews your specific doctors and prescriptions before recommending anything | Provides general Medicare information and can look up plan details |
| Same person available after enrollment, including at claim time | A different representative may answer each time you call |
| Compares options from the carriers we represent in your ZIP code | Can provide information about every plan available in your area |
| Offers in-person, home and phone appointments across McLennan County | Primarily phone-based, plus Medicare.gov self-service tools |
We do not offer every plan available in your area. To review all of your options, contact Medicare.gov, 1-800-MEDICARE, or the Texas State Health Insurance Assistance Program (SHIP).
How a free plan review works
- 1
A 15-minute conversation
Call or send the short form. We ask about your doctors, medications, budget, and what went wrong with your last plan.
- 2
A side-by-side comparison
We price the plans we can offer in your Waco ZIP code and build a one-page sheet you can actually read.
- 3
Enrollment done with you
We complete the application together — in person, on the phone, or electronically. Usually under 30 minutes.
- 4
A yearly checkup
Plans change every October. We re-run your numbers each fall and only move you if the math says so.
Senior insurance help throughout Waco & McLennan County
Medicare networks are local. A plan that's excellent in Dallas can be a poor fit in Waco, TX if your cardiologist at Baylor Scott & White or Ascension Providence isn't contracted. We check the networks of the plans we represent against your own provider list before anything is recommended.
We meet clients in Waco, Woodway, Hewitt, Robinson, China Spring and the surrounding small towns, and we handle Medicare Annual Enrollment (Oct 15 – Dec 7) here every year.
Ready when you are — no obligation to enroll
Most reviews take one short call. If your current plan is already the best fit of what we can offer, we'll tell you that and leave it alone.
254-264-2899Mon–Fri, 8:30am–5:30pm · Waco, TX
- No fee — the carriers we represent pay us, not you
- Licensed in Texas and Medicare-certified annually
- The same adviser next year and the year after
Written and reviewed by Dale Whitaker, Licensed Texas insurance agent. Last reviewed: July 2026.
Medicare questions we hear in Waco
- When can I enroll in Medicare in Waco, TX?
- Your Initial Enrollment Period runs three months before through three months after your 65th birthday month. Annual Enrollment runs October 15 through December 7, and Special Enrollment Periods apply after a move, retirement, or loss of employer coverage.
- Does it cost anything to work with your agency?
- No. Waco Senior Insurance is paid by the insurance carriers we represent, and your premium is the same whether you enroll with us or on your own.
- Medicare Advantage or a Medicare Supplement — which is better?
- It depends on your doctors, travel, prescriptions, and budget. We price both, from the carriers we represent, for your exact situation before recommending either.
- Can you check whether my doctor is in network?
- Yes. Before we recommend anything, we check your providers against the plans we can offer, including Baylor Scott & White, Ascension Providence, and independent McLennan County clinics, and we run your medication list against each plan formulary.
- Do you meet in person?
- We do home visits across Waco, Hewitt, Woodway, Robinson, China Spring and the surrounding towns, and we also handle everything by phone if that's easier.