Most Medicare supplement holders don't realize their rate increases every year — and they can switch to identical coverage for less. One 15-minute call is all it takes.
$0
Cost to You
200+
Carriers Shopped
15min
Average Call
Estimate Your Rate
See what Plan G could cost you — no obligation, no spam.
Estimated Monthly Premium
Want your exact rates from every carrier?
Book a free 15-minute call and Morgan will pull real quotes for your zip code on the spot.
Get free personalized Medicare Supplement comparisons from top national carriers — so you can compare what actually matters.
MUTUAL OF OMAHA
aetna
cigna
Humana
UNITED HEALTHCARE
BLUE CROSS BLUE SHIELD
+ 194 more
Simple Process
Three Steps to Lower Rates
No confusion, no pressure, no cost. Just honest guidance and the lowest rate available for your exact coverage.
01
Check Your Rate
Enter your basic info above and get an instant estimate of what Plan G or Plan N costs in your area in under 60 seconds.
02
We Shop Every Carrier
Morgan compares 200+ top-rated carriers — Mutual of Omaha, Aetna, Cigna, and more — to find your lowest available rate.
03
You Save, Risk-Free
Same coverage, lower premium. Morgan handles the switch and is there for life if you ever need help with a bill or claim.
Why ClearPath
An Agent Who Works for You, Not a Carrier
Completely Independent
Not captive to any one company. We shop every major carrier so you get the lowest rate, not the one that pays us the most.
Fast & Honest
Most clients get a full comparison and recommendation in a single 15-minute call. No long appointments, no home visits.
Support for Life
Once you're a client, Morgan handles claims, billing issues, and annual rate reviews — forever, at no charge.
Zero Cost to You
Our services are 100% free. The carrier pays us — so our incentive is to save you money and earn your loyalty.
Licensed Since Age 18 Medicare Specialist
Your Agent
Hi, I'm Morgan Waller.
I've been in the insurance industry since I was 18 years old. What started in life insurance quickly led me to Medicare — where I found a problem nobody was solving for seniors.
Most people on Medicare supplement plans have never had anyone shop their rate. Their premium goes up every year and they assume that's just how it works. It's not.
The coverage is standardized by federal law — Plan G is Plan G no matter who sells it. The only difference is price. That's why I started ClearPath.
NPN: 21018672 · Licensed TX · OK · LA
Client Stories
Real People, Real Savings
★★★★★
"I had no idea I could get the same coverage with another carrier. Morgan saved me $210 a month — that's $2,500 a year I was throwing away."
L
Lawrence P.
Longview, TX
★★★★★
"I didn't think I could get approved, but Morgan made it so easy. Saved $115 a month and the whole thing took one phone call."
B
Betty W.
Oklahoma City, OK
★★★★★
"I was about to cancel my supplement until Morgan showed me I could get the same plan at half the cost. I save $90 every single month."
N
Nancy L.
Dallas, TX
Find Out How Much You Could Save
Free 15-minute call. No obligation. No pushy sales tactics.
About Your Agent
Hi, I'm Morgan Waller. I Speak Medicare.
I've been in the insurance industry since I was 18 years old. What started in life insurance quickly became a passion for Medicare — specifically Medicare Supplement, where I saw the biggest opportunity to genuinely help people.
Most seniors on Medicare supplement plans have never had anyone shop their rate. Their premium goes up every year and they just accept it. What they don't realize is that Plan G from one company covers exactly the same things as Plan G from another — the only difference is what you pay.
I started ClearPath to fix that. My job is simple: find you the lowest rate on coverage you already have, handle the switch completely, and be available whenever you need me.
NPN: 21018672 · Licensed in Texas, Oklahoma & Louisiana
Licensed Since Age 18 Medicare Specialist
Credentials & Commitments
What You Can Expect From ClearPath
Licensed & Independent
Fully licensed in TX, OK, and LA. Not captive to any carrier — I work for you.
200+ Top Carriers
I shop Mutual of Omaha, Aetna, Cigna, Humana, and dozens more to find your lowest rate.
Free for Life
No fees, ever. I'm paid by the carrier you choose. My incentive is saving you money.
Annual Rate Reviews
Every year I check if a better rate is available. You'll never pay more than necessary.
Claims Support
If you ever have a billing problem or claim issue, call me directly. I'll handle it.
Honest Advice
I'll tell you if switching makes sense or not. I'd rather lose a sale than steer you wrong.
Ready to See How Much You Could Save?
One free call. No obligation. No surprises.
Free Medicare Guide
Understanding Medicare Supplement
Everything you need to know about Medigap — explained in plain English, not insurance jargon.
The Basics
What Is Medicare Supplement?
Original Medicare covers most costs — but not all. Medicare Supplement (Medigap) fills those gaps so you're never hit with unexpected bills.
The Gap Problem
What Original Medicare Doesn't Cover
Original Medicare leaves you with 20% coinsurance on outpatient services, a Part A deductible of $1,632 per benefit period, and no cap on out-of-pocket expenses. One major surgery can cost you thousands without a supplement.
How It Works
Medigap Pays What Medicare Doesn't
Medicare bills first. Your supplement pays the rest — often leaving you with a $0 bill. You can use any doctor or hospital in the country that accepts Medicare. No networks, no referrals.
Standardized Plans
Plan G Is Plan G — Everywhere
By federal law, all Medigap plans are standardized. Plan G from Mutual of Omaha covers exactly the same things as Plan G from Aetna or Cigna. The only difference is the price — which is why shopping matters so much.
Key Right
Your Guaranteed Issue Rights
When you first turn 65 and enroll in Part B, you have a 6-month Open Enrollment Period where no company can deny you. Outside this window, underwriting typically applies — making timing critical.
Plan Comparison
Which Plan Is Right for You?
The most popular plans for new Medicare enrollees are Plan G and Plan N.
Benefit
Plan F
Plan G ⭐
Plan N
Part A Hospital Coinsurance
✓
✓
✓
Part A Deductible
✓
✓
✓
Part B Coinsurance (20%)
✓
✓
✓*
Part B Deductible
✓
—
—
Skilled Nursing Facility
✓
✓
✓
Foreign Travel Emergency
✓
✓
✓
Typical Monthly Cost (Age 65)
$180–$280
$120–$180
$90–$140
*Plan N has small copays ($20 office, $50 ER). Rates vary by age, gender, zip, and tobacco use. Plan F only available to those eligible before Jan 1, 2020.
Common Questions
What People Ask Most
FAQ
Can I switch plans at any time?
Outside your Open Enrollment Period, switching requires underwriting. However, many people in good health qualify and save significantly. ClearPath will tell you honestly whether you're likely to qualify before you apply.
FAQ
Will my rates increase over time?
Yes — all Medigap premiums increase as you age and as the carrier adjusts rates. This is why annual reviews matter. We monitor your rate every year and switch you if a better option becomes available.
FAQ
Does it cost more to use an agent?
No. Federal law requires carriers to charge the same rate whether you go directly to them or through an agent. Using ClearPath costs nothing extra — and saves you hours of research.
FAQ
Plan G vs Plan N — which is better?
Plan G covers everything except the Part B deductible ($240 in 2024). Plan N has small copays but is cheaper monthly. Plan G is most comprehensive; Plan N is better if you're healthy and want a lower premium.
Still Have Questions?
Call or message Morgan directly — no scripts, no pressure, just honest answers.
Get Your Free Quote
Let's Find Your Lowest Rate
No scripts. No pressure. Just honest help from a real agent who knows Medicare.
Morgan will pull quotes from 200+ carriers for your exact zip, age, and health situation — and walk you through the options in plain English. Most calls are 15 minutes or less.
Get My Free Rate Comparison
Fill this out and Morgan will call you within one business day.
✓ Thanks! Morgan will call you within one business day. You can also reach him directly at (817) 694-2512.
Schedule Online
Book Your Free 15-Minute Call
Pick a day and time that works for you. Morgan will call you at the scheduled time.
April 2026
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Available Times
Your Information
✓ Appointment Confirmed!
Morgan will call you at the scheduled time.
Questions? Call or text: (817) 694-2512
Privacy Policy
Last updated: April 8, 2026
1. Information We Collect
ClearPath Medicare Solutions collects information you voluntarily provide including your name, phone number, email address, age, ZIP code, and insurance information.
2. How We Use Your Information
To contact you about your Medicare supplement insurance options
To provide quotes and comparisons from licensed insurance carriers
To schedule and confirm appointments
To improve our website and services
3. Text Message Consent
By providing your phone number and checking the consent box, you agree to receive informational and marketing text messages from ClearPath Medicare Solutions. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for help.
4. Information Sharing
We do not sell, trade, or rent your personal information to third parties. We may share your information with insurance carriers for the purpose of obtaining quotes on your behalf, only with your consent.
5. Data Security
We implement reasonable security measures to protect your personal information. However, no method of transmission over the internet is 100% secure.
6. HIPAA Notice
To the extent we collect health-related information in connection with insurance services, we handle such information in accordance with applicable federal and state privacy laws.
7. Your Rights
You may request access to, correction of, or deletion of your personal information by contacting us at morgan@clearpathmedicaresolutions.com or (817) 694-2512.
By accessing or using the ClearPath Medicare Solutions website, you agree to be bound by these Terms of Service.
2. Services Description
ClearPath Medicare Solutions is an independent insurance agency licensed in Texas, Oklahoma, and Louisiana. We provide free Medicare supplement insurance consulting, quoting, and enrollment services.
3. Not Government Affiliated
ClearPath Medicare Solutions is not affiliated with or endorsed by the U.S. government or the federal Medicare program. We are a private, independent insurance agency.
4. Rate Estimator Disclaimer
The rate estimator tool provides estimates only. Actual premiums depend on your specific age, health history, gender, tobacco use, location, and the carrier you select. Estimated rates are not binding quotes and are subject to change.
5. No Guarantee of Coverage
Submission of a form or request for information does not guarantee insurance coverage. Coverage is subject to carrier underwriting and approval.
6. Solicitation Disclosure
This website is a solicitation for insurance. By submitting your contact information, you consent to be contacted by a licensed insurance agent regarding your Medicare options.
7. Limitation of Liability
ClearPath Medicare Solutions shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on information provided herein.
8. Governing Law
These Terms shall be governed by the laws of the State of Texas.
