Empowering you is our business
Since 1999, Tammy with Senior Benefits has been navigating the world of Insurance to provide the best coverage for our clients!
At Senior Benefits Consulting, we help seniors find the right Medicare coverage with clarity and confidence. Our goal is to simplify the process and ensure you get the benefits you deserve.
Since 1999, Tammy with Senior Benefits has been navigating the world of Insurance to provide the best coverage for our clients!
Agency Owner | Independent Broker
Here at Senior Benefits Consulting, we’re here to make your transition into Medicare as simple as possible. Our clients and their needs come first in selecting their plans. Our goal is to make sure that everyone is taken care and their needs and questions are addressed and in a way that is simple to understand. Tammy has been helping clients with their insurance needs since 1999. In 2019 she started focusing specifically on Medicare in the Houston area and found a passion for helping seniors get through the difficulties of understanding their options and getting through the enrollment process. She does not work for any specific insurance company or the government. She specifically works for her clients and puts their needs ahead of anything else. She is able to help clients all over the country, regardless of where they live. Tammy lives with her husband and their dogs in Montgomery, TX. She has 3 children and a granddaughter who is her pride and joy and loves to as much time as possible spend time with all of them. I am an independent broker and am licensed in several states. I do not work for an insurance company. I'm looking forward to working with you!!
Office Assistant
Laine is dedicated and a detail-oriented Administrative Assistant with a passion for organization, creativity, and connection. Whether managing schedules or streamlining workflows, she takes pride in bringing order and efficiency to every project. Outside the office, she puts that same focus into sewing hand-crafted quilts and making meaningful memories with her daughter. “I believe in the power of helping others and adding a personal touch to everything I do.”
Office Manager | Licensed Agent
With over 20 years in the medical field, Misty Gustafson brings strong experience, organization, and compassion to Senior Benefits Consulting. As both Office Manager and Licensed Agent, she helps ensure clients feel confident and supported as they navigate Medicare. Guided by Tammy—one of the industry’s top educators—Misty has developed a clear, patient-focused approach to serving the senior community. Though new to Medicare consulting, Misty combines the enthusiasm of a newcomer with the steady professionalism of her healthcare background, making her a trusted resource for clients entering this important stage of healthcare planning.
Medicare FAQ's
You are eligible to apply for Medicare during your initial enrollment period which is a 7 month window. 3 months before turning 65, the month you turn 65 and 3 months after turning 65.
The easiest way to sign up for Medicare is online through SSA.gov or by Calling Social Security at 1-800-772-1213. You can also visit your local Social Security Office.
If you are already receiving Social Security Benefits you will be automatically enrolled into Original Medicare, otherwise you will be eligible to enroll during your initial enrollment period that starts 3 months before your 65th birthday.
If you miss your Initial Enrollment Period you can sign up during the General Enrollment period that occurs every year January 1st through March 31st. Coverage becomes effective the month following your enrollment date.
Yes, there are penalties for not signing up for Part B of Medicare and will be added to your premium.
If you need a new Medicare card you can order a replacement card by phone at 1-800-772-1213, or online at the Social Security Administration web site. Make sure you have your Medicare number ready when you call.
Senior Benefits Consulting, LLC is a privately owned small business and is not endorsed by the U.S. Government or associated with any federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program
(SHIP) to get information on all of your options.
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