Frequently asked questions

No. Our quotes, plan comparisons and enrollment help are free to you. Agents are paid by the insurance companies, and your plan premium is the same whether you enroll with us or on your own.

Yes. Our agents help clients in both English and Spanish, by phone or in person.

We're based in Edinburg, Texas and help clients throughout the Rio Grande Valley, including McAllen, Mission, Pharr, Weslaco, Harlingen, Brownsville and Rio Grande City.

Your Medicare card (if you have one), a list of your prescriptions and doses, the names of your doctors and preferred pharmacy, and any current insurance cards or plan letters.

The Medicare Annual Enrollment Period runs October 15 through December 7 each year, and changes take effect January 1. If you're in a Medicare Advantage plan, you can also make one change from January 1 through March 31.

November 1, 2026 through January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1, 2027.

Monday through Friday, 9:00am to 5:00pm. We're closed Saturday and Sunday. Call (956) 566-7404 or send us a message any time through our contact form.

Yes. You must be enrolled in Medicare Part A and Part B and live in the plan's service area. You keep paying your Part B premium unless a program like Medicaid pays it for you.

It depends on the plan's network. We check your doctors, specialists and preferred hospital before you choose a plan.

No. Medigap policies only work with Original Medicare. If you join a Medicare Advantage plan, you would not use a Medigap policy.

Yes. You can change plans during the Annual Enrollment Period (October 15 – December 7) or make one change during the Medicare Advantage Open Enrollment Period (January 1 – March 31).

Anyone who has Medicare Part A or Part B and lives in the plan's service area can join a Part D plan.

$2,400. After your out-of-pocket costs for covered Part D drugs reach $2,400 in 2027, you pay $0 for covered drugs for the rest of the year. Premiums do not count toward the cap.

Yes. Many Medicare Advantage plans include Part D drug coverage. If your Medicare Advantage plan includes drug coverage, you generally can't add a separate stand-alone Part D plan.

Yes. You can change Part D plans during the Annual Enrollment Period from October 15 to December 7. It's a good idea to review your plan every fall because formularies and costs can change.

You need to be enrolled in Medicare Part A and Part B. The strongest protections apply during your 6-month Medigap Open Enrollment Period, which starts when you are 65 or older and enrolled in Part B.

No. Medigap policies sold today don't include drug coverage. Most people with Medigap also enroll in a stand-alone Medicare Part D plan.

Yes. Medigap policies cover one person, so each spouse needs his or her own policy.

You can return to Original Medicare during certain enrollment periods and then apply for Medigap, but outside your Medigap Open Enrollment Period an insurer may review your health history. Talk with us before you switch.

For 2027 coverage, open enrollment on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1. Outside open enrollment you need a qualifying life event for a Special Enrollment Period.

Many households qualify for a premium tax credit based on income and household size. We help you check what you may qualify for when you apply.

Yes. Marketplace plans can't refuse to cover you or charge you more because of a pre-existing health condition.

Usually not. When you become eligible for Medicare, you generally lose eligibility for Marketplace savings. We can help you time your move to Medicare so you don't have a gap in coverage.