Independent, not captive
We're not employed by one carrier. We compare plans across multiple companies and tell you plainly when your current coverage is already the best fit.
About us
About Waco Senior Insurance
Waco Senior Insurance is a local, independent agency built around one idea: seniors in Central Texas deserve plain answers about their coverage from someone they can actually reach by phone.
We help people turning 65, retirees leaving employer coverage, and anyone who suspects their current plan no longer fits. We handle Medicare and final expense coverage — and nothing else, so we know both well.
- Independent Medicare and final expense advisors
- Serving Waco and all of McLennan County
- Free plan reviews every year
How we work
Local to McLennan County
We know which Waco clinics and hospital systems sit inside which networks — Baylor Scott & White Hillcrest, Ascension Providence, and the independent clinics around them.
No cost, no pressure
Our help is free to you. Carriers pay us the same regardless of which plan you pick, so there's no incentive to steer you anywhere.
What a review with us looks like
- 1
We start with your doctors
Bring the names of the physicians and specialists you want to keep. Network access is the single biggest reason people regret a plan change.
- 2
Then your prescriptions
We run your exact medication list, doses included, against the drug formularies available in your ZIP code.
- 3
Then the numbers side by side
Premium, deductible, copays, and realistic annual out-of-pocket cost for each option — Advantage and Medigap both.
- 4
You decide, and we handle the paperwork
If you'd rather keep what you have, that's a fine outcome. We'll still be here at next year's enrollment.
We answer our own phone
Call 254-264-2899 weekdays 8:30am – 5:30pm. You'll talk to an advisor, not a call center queue.
Who we help
- Seniors turning 65 in Waco and McLennan County
- Retirees leaving employer group coverage
- People whose plan changed benefits for the new year
- Families planning ahead for funeral costs
- Caregivers helping a parent sort out coverage
Keep exploring
Medicare in Waco, TX
Advantage vs. Medigap, turning 65, and the ZIP codes we serve.
Read Medicare in Waco, TX →Final Expense Insurance
Burial coverage with fixed premiums for Waco families.
Read Final Expense Insurance →Contact us
Call, or send a few details and we'll follow up the same business day.
Read Contact us →Talk with a local advisor who knows Waco
Free, independent, and no obligation — whether you enroll with us or not.