# Hougom Insurance Agency — llms.txt

> Hougom Insurance Agency is a licensed independent insurance agency serving the La Crosse area — western Wisconsin and the Coulee Region. We help individuals, families, and businesses compare and enroll in Medicare, auto, homeowners, business, life, individual health, and group benefits plans. Guidance is free to clients. Insurance companies pay our fee.

## About
- Founded in Onalaska, WI
- NPN: 20742808
- Phone: (608) 799-8434
- Email: Service@hougominsurance.com
- Address: 115 10th Ave S, Suite A, Onalaska, WI 54650
- Hours: Mon–Fri 9am–5pm CT

## Key pages
- [Home](https://hougominsurance.com/)
- [About the Agency](https://hougominsurance.com/about)
- [Meet the Team](https://hougominsurance.com/meet-the-team)
- [Contact / Book a Free Review](https://hougominsurance.com/contact)
- [Blog & Resources](https://hougominsurance.com/blog)
- [Free Plan Finder & Tools](https://hougominsurance.com/free-tools)

## Lines of Insurance
- [Medicare](https://hougominsurance.com/medicare-101)
- [Medicare Advantage Plans](https://hougominsurance.com/medicare-advantage-plans)
- [Medicare Supplement (Medigap)](https://hougominsurance.com/medicare-supplement-plans)
- [Part D Drug Coverage](https://hougominsurance.com/part-d-prescription-drug-plans)
- [Auto Insurance](https://hougominsurance.com/auto-insurance)
- [Homeowners Insurance](https://hougominsurance.com/homeowners-insurance)
- [Home + Auto Bundle](https://hougominsurance.com/home-auto-bundle)
- [Business Insurance](https://hougominsurance.com/business-insurance)
- [Bonds](https://hougominsurance.com/bonds)
- [Specialty & Powersports](https://hougominsurance.com/specialty-powersports)
- [Individual Health Insurance](https://hougominsurance.com/individual-health-insurance)
- [Life Insurance](https://hougominsurance.com/life-insurance)
- [Group Benefits](https://hougominsurance.com/group-benefits)

## Local Medicare coverage
- [La Crosse Area Medicare Plans](https://hougominsurance.com/la-crosse-medicare-plans)
- [Coulee Region Medicare Plans](https://hougominsurance.com/coulee-region-medicare-plans)

## Medicare education
- [Medicare 101 Guide](https://hougominsurance.com/medicare-101)
- [What Is Medicare](https://hougominsurance.com/what-is-medicare)
- [Medicare vs. Medicaid](https://hougominsurance.com/medicare-vs-medicaid)
- [Medicare Eligibility](https://hougominsurance.com/medicare-eligibility)
- [Enrollment Periods](https://hougominsurance.com/medicare-enrollment)
- [Part D Drug Plans](https://hougominsurance.com/medicare-part-d)

## Tools (agent-callable)
- [WebMCP manifest](https://hougominsurance.com/.well-known/mcp.json): callable tools + endpoint.
- [MCP endpoint](https://hougominsurance.com/mcp): JSON-RPC 2.0 (initialize, tools/list, tools/call).
- `medicare_search_plans`: find & rank Medicare Advantage plans by ZIP (premium, star rating, drug deductible, max out-of-pocket).
- `medicare_compare_plans`: compare 2–5 plans by ContractPlanID.
- [Medicare Eligibility Checker](https://hougominsurance.com/eligibility-calculator)
- [Part B Late-Enrollment Penalty Estimator](https://hougominsurance.com/part-b-penalty)
- [Part D Late-Enrollment Penalty Estimator](https://hougominsurance.com/part-d-penalty)
- [IRMAA Premium Estimator](https://hougominsurance.com/premium-calculator)

## Data & disclosures
- Source: CMS Plan Year 2026 Medicare Advantage / Part D Landscape public-use files.
- Estimates only; verify with a licensed agent before enrolling.
- Not affiliated with the U.S. government or the federal Medicare program.
- Insurance companies pay our fee — guidance is always free to clients.