Health Insurance That Makes Sense!

Our insurance expertise and knowledge cost you nothing to utilize! Allow us to save you the headache of figuring out the complexities of insurance and take advantage of the years of experience available to you! Schedule your FREE consultation today to see how we can help…

From Medicare to Individual and Family Health Insurance, we can assist you and your family for all of your insurance needs. Our mission is to find you the best coverage and pricing available to you, with a plan that is tailored to your health needs. Honesty and putting you in the right plan is our top priority – we’ll deliver expert advice and guidance for your health insurance needs, with no pressure! Allow me to be your trusted agent in the Crossroads, and guide you through your health insurance needs!

Medicare Insurance Agent Victoria, TX

Medicare can be complex and confusing for those enrolling into Medicare for the first time, as well as those already enrolled with the yearly changes to Medicare. Using a local agent in the Crossroads will allow you to get expert guidance and assistance with the Medicare process from enrollment into parts A&B, finding and choosing a plan that will fit your needs and budget, and utilizing other programs to save money on your Medicare coverage.

How Medicare Works

There’s a few different circumstances that will make you eligible to receive Medicare benefits. This includes turning 65, retiring and dropping your employer sponsored health insurance, receiving Social Security Disability Income (SSDI) for 24 months, and certain qualifying health conditions (ESRD, ALS, etc.)

Original Medicare is separated into 2 parts, Part A and Part B. These cover your doctors and hospital bills but they don’t cover 100% of your costs or prescription drugs, and can leave you with very expensive deductibles and co-insurance (with no yearly limits). By utilizing a Medicare Supplement Plan paired with a Prescription Drug Plan (Part D) or a Medicare Advantage Plan (Part C) that includes your Part D coverage, we can lower your exposure to expensive hospital and drug costs that you’d experience by having Original Medicare only.

When to Enroll Into Medicare

You will have an Enrollment Period available to you depending on your specific circumstances. We recommend enrolling into Medicare within the first 3 months that you become eligible in order to have your A&B active, a plan selected, and experience no lapses in your health coverage. We can assist you in the entire enrollment process while providing you expert, non-biased guidance based on your specific needs.

Medicare Supplement

Medicare Supplement Plans (Medigap) fill in the gaps of Original Medicare, limiting the out of pocket expenses that you would be exposed to. Supplement plans are standardized by plan letters A-N, meaning that the coverage is the same for all carriers, the only differences will be pricing. Supplements offer great coverage with stability of cost through a monthly premium as opposed to copayments and coinsurance. You will still need to enroll in a Prescription Drug Plan (Part D), and any dental, vision and hearing plans separately from your supplement plan, with separate costs and premiums for each one.

Medicare Advantage

Medicare Advantage Plans take over for Original Medicare through private health insurance companies (United Healthcare, Humana, etc.). Medicare Advantage plans typically have low to $0 premiums, extra coverage such as dental, vision, and hearing, as well as extra perks such as gym memberships and groceries. Medicare Advantage plans trade out the cost of a monthly premium for copayments and coinsurance. Advantage plans will also include your Prescription Drug Plan (Part D), meaning you can have all of your insurance coverage with one plan.

Health Insurance Agent Victoria, TX

Using a local health insurance broker in the Crossroads can allow you to find the best coverage as well as the best rates for you and your family. We assist you by shopping all of the plans in your specific area and complete the enrollment process for you free of charge! Don’t overpay for your health insurance – use a local agent today!

How Marketplace Insurance Works

Marketplace Insurance, also known as Obamacare or Affordable Care Act, offers insurance to individuals and families through Advanced Premium Tax Credits (APTCs) and Cost Savings Reductions (CSRs).

Why Choose Donahvan?

When you use Insurance With Don you get a dedicated insurance agent on your side every step of the way. Insurance changes frequently and can become a headache at times. By utilizing Donahvan as your health insurance professional, you have years of knowledge and expertise at your disposal for all of your insurance needs!

My mission is to provide you with the resources needed to keep you and your family safe, while saving you money!