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"Risk comes from not knowing what you are doing" -Warren Buffett

 

 

MEDICARE EXPERTS...
Everything you need to have, want to know, and would like to get done no matter where you are or what your situation requires; WE CAN HELP!

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Take a look at what our customers have to say...

My representative Laura Camacho was an encyclopedia of information and guided me through the choices that best fit my retirement budget. I wasn't the easiest client as it took me a while to made a final decision, but she was always patient, helpful and quick to respond. Sorting through medicare supplement plans can be daunting. I'm glad I let a pro guide me.

- Susan W.

My agent, Laura Camachco, has saved me alot of money by finding lower priced policies. She spends alot of time with going over my "meds", which is exstensive, so she can match me up to the most compatable companies. She takes alot of time with me and is very patient. All suppliments plans raise their rates periodicaly, but when they do, I know I'll get a call saying lets see what else is out there that's a little cheaper!

- Audrey P.

Never knew before, as much as I learned after talking to Laura and it has been 13 years.

- Barbara W.

It was a great experience. Laura Camacho really knows her stuff and was very helpful. She helped save me money AND get better coverage. I especially like that they have a Rate Watch team which checks on rates for all companies to get the best deal for their clients at renewal time. My current broker has nothing like that. I recommend Laura without reservation.

- Daniel E.

My agent was Laura C. she was most helpful. She answered every question I had. She was there no matter when I called her. Very knowledgeable, exsplained everything so I could understand no matter how many times I had to ask. I would recommend her to all my friends and family. I sure hope you give her GREAT CUDOS!!!!!!!!!!

- Sue E.

Laura Camacho was absolutely wonderful to work with; great personality, knowledgeable, and helped me feel confidant I was making the right decision. Medicare can be confusing and I wanted a temporary coverage as I hope to return to work once I have recovered. This young lady deserves acknowledgement for the fantastic job she is doing. I felt as ease discussing my issues with her and she was very understanding. I appreciate her expertise and kindness.

- Deborah M.

Absolutely wonderful experience. Laura Camacho was wonderful to work with and very knowledgeable about all the products available to me as a new medicare recipient. I will brag on your company as I get an opportunity. PS Give Laura a raise, her valve to your company is probably greater than you realize what a great asset. Thanks again!

- Mike A.
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IMPARTIAL
IMPARTIAL

Accurate information, impartial guidance, and all the tools you need to make an educated decision with confidence.
100% FREE of charge.

EXPERTS
EXPERTS

I am a Medicare expert so you don't have to be!

TOP RATED
TOP RATED

Proudly representing the highest rated carriers in the industry, including all major brands and many more.

SUPPORT
SUPPORT

Accountability, answers, and actions! Your direct line to getting what you need from your healthcare.

At My Senior Specialists... We Are Your Medicare Experts

Fear of the unknown is one of the most common concerns a Medicare beneficiary has. Entering into a new healthcare system via legal jargon and a countless number of calls from strangers is not an encouraging introduction. It is overwhelming and extremely frustrating, to say the least. We take pride in the fact that 100% of our clients are referrals. Such an achievement can only be attributed to our core abilities: simplifying the transition, overcoming obstacles, and facilitating a pleasant experience.

As your Medicare experts, we provide you with clarity, understanding, and peace of mind on all aspects of your Medicare coverage. Our clients benefit from the knowledge that can only be gained through more than a decade of experience guiding people through the Medicare system. We know the options, rights, and benefits best suited for any situation and/ or set of circumstances. So, if you’re looking for someone who knows the answers to your questions, we are here for you and happy to help!

Medicare Supplement Insurance

Our Trusted Carriers

What We Offer

We excel in our abilities to clarify and navigate the Medicare system. We will walk you through the process, explain your options, and help you understand the benefits you feel are best suited to your lifestyle.

Medicare Supplement Insurance

Medicare Insurance

Medicare doesn’t have to be confusing. We will help you understand the products and how they fit different needs.

  • Medicare Insurance
    • Medicare Supplements
    • Medicare Advantage Plans
    • Part D Plans
Life Insurance Products

Life Insurance Products

We offer a variety of life insurance products, including: 

  • Dental/Vision
  • Final Expense
  • Life Insurance
  • Catastrophic Policies
  • Hospital Indemnity
  • Cancer Lump Sum or Treatment
  • Cardiac Lump Sum 
Helping a Parent or Loved One?
We have the patience and skills to help you and your loved ones navigate the Medicare system with confidence.
 
How May We Help You?

Short on time? Need answers NOW? Just ask! Text, call, or email us with any healthcare needs!


Are You Turning 65?  

We have the answers you are looking for and the ability to make your transition into Medicare simple and stress free.

 

Medicare Insurance Basics

Medicare Part A
Medicare Part A

Also known as hospital coverage; helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. You must meet certain conditions to get these benefits. Those who qualify, by working enough to earn 40 points OR have a spouse that qualifies, will receive this part of Medicare at no cost.

Medicare Part B
Medicare Part B

Also known as medical coverage; helps cover medically-necessary services like doctors' visits and tests, outpatient care, home health services, durable medical equipment, and other medical services. Part B also covers several preventive services. This part of Medicare has a monthly premium associated with it.

Medicare Part D
Medicare Part D

Also known as PDP, aka Drug plan; helps cover the cost of prescription drugs. It is said that Part D is optional however "opting out" will incur a penalty! This part of Medicare is only provided through private insurance companies approved by the federal government. However, Part D is offered to everyone who qualifies for Medicare.

Medicare Part C
Medicare Part C

Also known as Medicare Advantage plan; is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. These plans are similar to any HMO or PPO group insurance you may have had through an employer, prior to Medicare, accept these usually include several added benefits, not the least of which is Medicare's 80% coverage. You continue to pay your Part B premium however these plans tend to have a low or in some cases zero monthly premium. The downfall would be network restrictions, permissions required for services, and/ or higher out of pocket costs when you see your doctors.

Medicare Part C
Medigap Plan

Also known as Medicare Supplement Plan; is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare (Parts A and B) Plan coverage. Medigap policies help pay the health care costs that the Original Medicare Plan doesn't cover. Your level of coverage depends on the plan you select. The most popular plans (F, G, and N) have little to NO out of pocket costs to the policy holder. You are allowed to see any medical provider across the nation that accepts Medicare, never have to have a referral or permission for services, and the coverage will never change. The downfall of this coverage would be the monthly premiums associated.

FAQs

Who We Serve What States We Serve How We Work: 3-Step Process Why Not Just Go Straight To The Carrier? Will I be able to reach you AFTER I've been enrolled? Am I "stuck" in the coverage I chose?
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Our mission is to provide you with the tools you need to confidently navigate your healthcare, gain your trust through accuracy and transparency, and continue earning your business for many years to come.

Schedule an introduction with us and see for yourself why so many people have referred our service to their loved ones!

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MAIN Phone: 512-731-0562

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Mon-Fri: 8:00am-6:00pm
Saturday - By appointment
Sunday - Closed

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Disclaimers

*Medicare has neither reviewed nor endorsed this information *Our agency is not affiliated with the United States government, the Social Security administration, or the Federal Medicare program.



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