Hello!
My name is Antonio Espino, but my friends also call me Tony. I am an insurance agent offering my services in the Rio Grande Valley and the in great State of Texas. I take great pride in doing what I do best; providing people like you with the finest service possible. My specialty is helping people find health insurance and Medicare.
Health Insurance Services:
Medicare
Medicare is Health Insurance for: People over the age 65 and people who deemed disabled or people who have End-Stage Renal Disease.
Medicare Advantage
Want an alternative to Original Medicare? Medicare Advantage Plans offer coverage identical to Original Medicare with added benefits and maximum out of Pocket costs.
Medicare Supplement
Medicare Supplement Insurance helps members of Original Medicare to ‘fill in the gaps’ of their medical coverage.
Prescription Drug Plans
If you have a Medicare Supplement…then you need to get a Prescription Drug Part D plan. There are many insurances that offer it, but every insurance is different with their prices and if the medication is covered.
Health Insurance Plans for Individuals & Families
If you are seeking health insurance for yourself or for your family…We got you covered.
Supplemental Insurance
We also offer a lot of other types of insurances. This includes: cancer, accident, critical illness, hospital indemnity, dental & vision, out-of-pocket protection, and short term medical.
SECURE YOUR FUTURE
Retirement Services:
Final Expense Insurance
Final Expense Insurance is a small whole life insurance design to cover the final expenses once you or your loved ones pass.
Whole Life Insurance
Whole life insurance can help you build cash value within the policy over time. This is one way to supplement your retirement. The beneficiary will also receive a benefit amount upon the death of the insured.
Term Life Insurance
Term insurance is temporary life insurance that lasts for a set number of years. The main benefit is that the premiums are cheaper and the benefit amount is a lot more compared to a whole life insurance.
Annuities
Annuities are insurance contracts that make regular payments to you either immediately or at some point in the future. It is designed to help protect you from market risk and the chances of you outliving your income.
Retirement Solutions
Taxes are one of our biggest concerns. No one knows how much taxes we’ll be paying in the future. Our tax rates are at the lowest in history and our country is deep in debt. These tax rates will not last forever. Call us to see how we can help your retirement.
Universal Life Insurance
Universal Life Insurance is the only investment that is IRS-approved where your money can earn the returns of a stock market index, lock-in all of your annual gains, and never lose money when the market has a negative annual performance.
Our Medicare Solutions:
Are you tired of all the Medicare junk mail you are receiving. Is the transition to Medicare getting a bit overwhelming or confusing. YOU ARE NOT ON YOUR OWN. Thousands of Medicare eligibles have the same problem.
The process of obtaining Medicare doesn’t have to be a complicated. My job is to do all of the leg work and help you decide what is best for you! Whether you’re looking for a Medicare Supplement or a Medicare Advantage Plan…I am here to help. As your agent, I will go above and beyond the call of duty. I hope that you will contact me today, so we can discuss your health insurance needs.
Finding the perfect Medicare Plan has never been easier. Here at Espino Insurance Group, we are on YOUR side when it comes to Medicare.
We are here to help you every step of the way on your Medicare journey. Always keeping you up to date on any changes, as well making sure you are on the best Medicare Plan for your budget and needs.
- One Stop Medicare Support
- Enrollment Guidance
- Save Time And Money
- 30+ Top Rated Insurance Companies
- Our Services Are 100% Free
- Free Claims Support For Life
Get Free Medicare Help!
- Compare Options
- Estimate your Savings
- Help you with Enrollment
Antonio Espino is a Medicare Broker who works for you and not the insurance company. His main focus is to educate first so you can make an informed decision on your healthcare.
Confused About Medicare?
Would you like to have an experienced agent ready to answer questions about your Medicare or health insurance and put together a comprehensive plan to fit your needs.
WHY SHOULD I BE YOUR MEDICARE AGENT?
As an independent Medicare insurance broker, our job is to give you an unbiased opinion on different Medicare plans that is tailored towards you. Because I am partnered with so many different insurance carriers, I do not show favoritism towards any insurance carrier and represent YOU and not the insurance companies.
Rest assured that I have your best interest in mind and will recommend a plan that will fit your healthcare needs and also provide you with proper healthcare coverage.
You do not pay me anything and your premiums do not increase because you have worked with me.
So, how am I paid?
How is an Independent Medicare Broker paid?
An independent Medicare broker like myself (Antonio Espino Insurance) will contract with many different insurance carriers.
The reason they do this is because they are then able to shop your policy through different carriers and provide you with the most competitive coverage and price. Savvy shoppers know that an independent broker focus on educating their clients first and then let them make the decision themselves. This is the most ethical way I have found to do things.
So, the process works like this:
- You call or submit your request for Medicare information
- We discuss your healthcare wants and needs
- You choose the policy that fits you best (Medicare Supplement or Medicare Advantage)
- Our commission is paid by the insurance company
- I continue to provide you service and support throughout many years
Why is working with an Independent Medicare Broker best?
At Antonio Espino Insurance, I help you understand Medicare and provide you with the information you need to make an informed decision.
I am also able to provide you with information like financial ratings and premium increase trends that you may not be able to find on your own. Of course, this only applies if you would like a Medigap Plan.
Also, only independent insurance brokers offer unbiased opinions on plans from different Medicare companies so you can feel comfortable and confident in your decision.
Is your service really free?
Yes! You do not pay a dime for my help. The price you pay for a Medicare Advantage, Supplement, or Part D plan will be the same whether you buy it from the insurance company directly or whether you get it through an independent broker like myself.
I make a commission from the insurance company for selling their product. That’s how Medicare agents are paid. If you buy directly from the insurance company, they keep that commission and you don’t get any of the customer service that you would get from a broker like myself.
How can I meet with you?
There are many ways for us to talk and enroll into your Medicare plan. I normally would like to sit down and talk with my clients face to face. But sometimes that might not be possible for whatever reason or circumstance. So I have solutions:
- I do Home Visits! This is still a common practice and an option if you do not want to meet anywhere.
- We can meet at an office! Since I offer my service to the people in the Rio Grande Valley…I also have to have some offices. I have an office in Brownsville, Tx, Harlingen, Tx, and Pharr, Tx where we can meet.
- We can discuss and enroll over the PHONE! Afterall, we are in the 21st century. This is an option if we can not meet in person or if you would prefer it that way.
What type of Medicare Service you can expect from me after you become my client?
1. I always mail newsletters to my Medicare customers twice a year. Once in the beginning of October and once in the beginning of March. The reason is to remind them that I am still here if they have any questions or concerns regarding their Medicare or any other insurance product purchased from me. It is also the beginning and end of the months for when one can make a change to their Medicare.
2. If you lose your Medicare insurance card and you need your membership information fast…Who are you going to call? I have access to your membership information and I can also provide the insurance company number in case you have additional questions.
3. Do you need help applying for a Medicare Savings Program or Extra Help? You can call me. I can either walk you through the process or help you apply for it. It can be a little bit confusing and I have done it plenty of times. This is a FREE SERVICE as well. The only thing I ask from you is for me to become your Medicare agent. This is the only way I get paid for my time.
Why choose me as your Medicare Agent
over other Insurance Agents?
Besides the additional services I offered mentioned above:
- You know I am a Medicare Broker. Not many insurance agents are brokers. Some are contracted with only one company and that is all that they can sell.
- You will have an on call dedicated Client Service Representative who will tackle Medicare hiccups. This can be stressful and can include things as:
- Solving Billing Errors
- Helping you with referral issues
- Solving pharmacy problems when you can’t get your medications
- Helping you find preferred vendors for your Medicare Benefits (Free Glasses, Dental Providers, Gym, Medications, etc…)
I AM LOCAL.
This is probably a big one for me and most of you in the Rio Grande Valley. I don’t know why, but as soon as you turn 65 you are going to start receiving lots of unsolicited phone calls and mailers from insurance agents all throughout the United States.
Believe me!
The problem is that all the agent wants to do is switch you to a different plan so that way the agent can be paid and have you under their book of business. If succeeds, the agent usually do not follow up with any serviceability on their end. Then you are left with no help when you need it most.
I want to help you find the best Medicare plan for you!
Antonio Espino Insurance services people from the Rio Grande Valley in the great state of Texas. I am well-trained and experienced insurance agent that is ready to answer questions about your Medicare and put together a comprehensive plan to fit your needs.
Want more information about Medicare plans being offered in your area?
Give me a call at 956-455-1313 or fill out the form below. We will set up a time to review any existing policies you may have and recommend any changes, if necessary.