Insurance, explained for South Texas
Straight answers from an independent agency in McAllen. No jargon, no sales pitch.
Latest
Medicare Advantage
Are there $0 premium Medicare Advantage plans near me?
In Hidalgo County, a lot of them. Here is what zero premium actually means and how to judge whether one is right for you.
Medigap
Why did my Medigap premium go up?
Three separate causes, and only one of them means you should shop. Here is how to tell which happened to you.
Part D
When can I enroll in or change my Part D plan?
Every window for joining, switching or dropping drug coverage, and the two month deadline that catches people leaving employer plans.
Not sure which of these applies to you?
Tell us your situation and we will point you at the right one. No cost, no obligation.
Call (956) 687-3334Medicare
When can I sign up for Medicare?
Every Medicare enrollment window on one page, so you can find which one you are in and what it lets you do.
Medigap
What does Medigap not cover?
Prescriptions, dental, vision, hearing and long term care. Here is why, and what to do about each gap.
Health and ACA
What is the premium tax credit and how does it work?
The subsidy that lowers your monthly Marketplace premium, how it is calculated, and why the estimate you give matters at tax time.
Health and ACA
What is Obamacare and how does it work?
Obamacare and the ACA Marketplace are the same thing. Here is what it actually is, who it is for, and what it changed.
Medigap
What is Medigap (Medicare Supplement insurance)?
A private policy that pays the share Original Medicare leaves you. Standardized by law, priced by the company, and only available on your terms during one window.
Part D
What is Medicare Part D?
Prescription coverage sold by private companies under federal rules. Here is how it works, what it costs and why skipping it is expensive.
Medicare
What is Medicare and how does it work?
Medicare is federal health coverage that starts at 65 for most people. Here is what each part pays for and the two paths you choose between.
Medicare Advantage
What is Medicare Advantage (Part C)?
A private plan that takes over administering your Medicare. Here is how it actually works, what it adds, and what it asks of you in return.
Medicare
What is IRMAA and will I pay more for Medicare based on my income?
A surcharge on Part B and Part D for higher earners, calculated from a tax return two years old. Here is how to see it coming and how to appeal it.