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Health Insurance

Health insurance is insurance against the risk of incurring medical expenses among individuals. It provides you with an affordable way for you and your family to stay healthy and get medical attention when needed. By investing and protecting yourself from the unexpected we provide guidance in choosing the best health insurance coverage that best fits your needs.

Medicare Supplements

What is a Medigap policy? A Medigap policy is a health insurance policy sold by private companies to fill gaps in the Original Medicare Plan coverage. Medigap policies must follow federal and state laws. These laws protect you. The front of a Medigap policy must clearly identify it as "Medicare Supplemental Insurance". You need both Medicare Parts A & B to buy a Medigap Policy. In all States, except Massachusetts, Minnesota, and Wisconsin, a Medigap policy must be one of twelve standardized policies so you can compare them easily. Each policy has a different set of benefits. Two of the standardized policies may have a high deductible option. For a list of Medigap policies in your area and more information about policy benefits, you can call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Medicare Advantage

A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.

If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D).

Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non-emergency or non-urgent care). These rules can change each year.

Different Types of Medicare Advantage Plans Health Maintenance Organization (HMO) Plans Preferred Provider Organization (PPO) Plans Private Fee-for-Service (PFFS) Plans Special Needs Plans (SNP) There are other less common types of Medicare.

  • Did You Know

    Annual Enrollment Period is October 15th –December 7th

    You may be eligible for extra help for your prescription drug costs

    Depending on the Medicare Advantage plan selected you might be eligible for extra benefits

    You Might be eligible for state Assistance to cover your Medicare Part B Premium

    Calendar of Events

  • Contact Us

    1413 Montana Ave. El Paso, TX. 79902, Ste. 200

    PHONE (915) 626-6137

    FAX (915) 532-8708

  • Medicare in the News

    Cutting the clutter – the newly designed Medicare Summary Notice

    It’s a whole lot easier to read and understand your Medicare Summary Notice (MSN), thanks to a recently completed redesign. You’ll see a brand new format when you check your MSN at MyMedicare.gov.

    MyMedicare.gov gives you faster access to your Medicare claims information—you can check it 24 hours a day, 7 days a week, 365 days a year. Customize your MSN to see procedures broken down by single claim, or by a time period you choose, and print out your own statement anytime. Reviewing your MSN online means a shorter wait to see what you were charged for health care services, medical supplies or equipment, and how much Medicare paid.

    We want the MSN to be something that makes it easier for you to find and understand your Medicare claims information. We spent more than a year improving it. We did one-one-one interviews and focus groups with people like you, and used their feedback to improve the design and language.

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