A+ Senior Insurance Group is an independent contractor with more than 25 years of experience in the whole life insurance industry. We have professional connections that give us access to the best coverage at affordable premiums.


(210) 374-3919

Service Areas


Monday - Friday: 8am - 6pm Saturday: 9am - 2pm

Frequently Asked Questions

Most Popular Questions

Get your frequently asked questions about Medicare, Supplement Plans, Advantage Plans, Long Term Care, and more answered here in our FAQs.


When can you start enrollment two months prior to retiring, check with your employer benefits or HR (human resources administrator) pay special attention to timelines and always keep a copy of your proof of credible coverage to avoid penalty. Make sure your transition is smooth and carefully thought out.

Have Questions About Medicare?

Do you have questions about your Medicare coverage?

Like how to apply or join.

Call 1-800-MEDICARE (1-800-633-4227) can help. TTY users should call 1-877-486-2048. What should you have ready when I call 1-800-MEDICARE? Have your Medicare claim number from your red, white, and blue Medicare card available. 

An A+ Insurance Group Broker are only a phone call away.

We re private independent broker agency and are not compensated, endorsed nor are we affiliated in any way with government or state agency CMS/Medicare/Social Security Administration.

Call us for a FREE private consultation.


By calling  our number the person on the other end is a licensed insurance broker. And Not endorse Associated are employed by  Medicare/CMS/Social Security Administration

Turning 65?

Congratulations! Medicare is the silver lining for many turning 65. For many this will be the first Health Care insurance they have ever had. And other financial relief fro rising cost of a group or independent health or drug plan. Give one of our brokers a call we are happy to help.

Under 65?

Medicare is available for certain people with disabilities who are under age 65. These individuals must have received Social Security Disability benefits for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease). There is a five month waiting period after a beneficiary is determined to be disabled before a beneficiary begins to collect Social Security Disability benefits.  People with ESRD and ALS, in contrast to persons with other causes of disability, do not have to collect benefits for 24 months in order to be eligible for Medicare. Are you approaching 24 months of SSDI or you are currently undergoing a transplant of some kind?

This can have many moving parts. Give us a call 210-374-3919 we can help you understand your options.

I can’t afford my prescriptions. What are my options?

The Medicare program has a program called Extra Help. It offers financial assistance to qualified individuals who have low incomes. Extra Help can include payments for premiums, deductibles, and coinsurance costs.

What is “Extra Help” and how it applies to your Part D prescription drug plan and coverage?

Extra Help is a program to help people with limited income and resources pay Medicare prescription drug program costs, like premiums, deductibles, and coinsurance. If you qualify for Extra Help, you won’t pay a late enrollment penalty when you join a Medicare drug plan.

If you get Extra Help but you’re not sure if you’re paying the right amount, call your drug plan. Your plan may ask you to give information to help them check the level of Extra Help you should get.

What is the Part D enrollment penalty?

The late enrollment penalty is an amount that’s added to your Part D premium. You may owe a late enrollment penalty if at any time after your initial enrollment period is over, there’s a period of 63 days or more days in a row when you don’t have Part D or other credible prescription coverage.

If you receive Extra Help, you will not pay the late enrollment penalty.

Call us Toll Free at 1-210-374-3919 to speak with a Senior Health Specialist about your Part D options and avoid paying the enrollment penalty.

When can I change my Senior Health Insurance Plan?

You don’t need to sign up for Medicare each year. However, each year you will have a chance to review your coverage and make changes.

If you are currently on a Medicare Advantage Plan or Prescription Drug Plan, you can change your plan during the Annual Enrollment Period which begins October 15th and ends on December 7th. Also, if you are on an MAPD or PDP you may change your plan if you qualify for a special election period such as moving counties, losing or gaining Medicaid status, or if you live in an institution (i.e nursing home).

If you are on a Medicare Supplement Plan and want to make a change, you must qualify for a guaranteed issue reason or go through underwriting.

If you would like to know if you are eligible for a special election period or guaranteed issue reason, please contact us 210-374-3919 .

Medicaid Eligible?

Medicaid is a joint federal and state program that:

  • Helps with medical costs for some people with limited income and resources
  • Offers benefits not normally covered by Medicare, like nursing home care and personal care services
Who is eligible for Medicare?

Individuals at least 65 years of age, individuals who have been on disability for at least 24 months, and individuals with either ALS or ESRD are eligible for Medicare.

Already on Medicare?

Medicare isn’t part of the Health Insurance Marketplace®, so if you have Medicare coverage now you don’t need to do anything.

The Marketplace won’t affect your Medicare choices or benefits. No matter how you get Medicare, whether through Original Medicare or a Medicare Advantage Plan (like an HMO or PPO), you won’t have to make any changes.

An A+ Insurance Group Broker/Agent can assist in reviewing all your Medicare options available to you in Texas and plan service area.

Why was the Medicare program established?

The Medicare program was established to provide healthcare benefits in retirement. Prior to the program, retirees who lost coverage provided by their employer’s group health policy had limited options for health insurance.

Is Medicare Advantage the same as Medicare supplements?

No, Medicare supplements or medigap plan work with Original Medicare coverage to provide coverage for their members. Medicare Advantage plans operate independently from Original Medicare and Supplements.

What is Medigap insurance?

Medigap insurance plans are also referred to as Medicare supplements or Medicare gap insurance. It has this name because it fills in the “gaps” that Original Medicare leaves for the beneficiary to pay.

What is the donut hole?

Most Prescription Drug Plans have a coverage gap, known as the donut hole. This means that there’s a temporary limit on what the drug plan will cover for drugs. The donut hole begins after you and your drug plan together have spent a certain amount for covered drugs.

For 2015, once you enter the donut hole, you pay 45% of the plan’s cost for covered brand-name drugs and 65% of the plan’s cost for covered generic drugs until you reach the end of the coverage gap. Not everyone will enter the coverage gap because their drug costs aren’t high enough.

Once you get out of the donut hole, you enter catastrophic coverage. Within this stage, you only pay a small coinsurance amount or copayment for covered drugs the rest of the year.

Do all long term care insurance policies cost the same?

No, that’s one reason why it pays to speak with a knowledgeable long-term care insurance professional.

The cost of long-term care depends on the type and duration of care you need, the provider you use, and where you live. Costs can be affected by certain factors, such as:

  • Time of day. Home health and home care services, provided in two-to-four-hour blocks of time referred to as “visits,” are generally more expensive in the evening, on weekends, and on holidays.
  • Extra charges for services provided beyond the basic room, food and housekeeping charges at facilities, although some may have “all inclusive” fees.
  • Variable rates in some community programs, such as adult day service, are provided at a per-day rate, but can be more based on extra events and activities

Call us at 210-374-3919 to speak with a Long Term Care Specialist today.

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