Texas Insurance for You
(210) 714-1775
Having problems with your Medicare plan? You're not alone, and you don't have to figure this out by yourself.
Whether your claim was denied, your bill doesn't look right, your plan isn't covering what you expected, or you're just trying to help someone you love navigate all of this — let's talk through it. No cost, no pressure, and no runaround.
Licensed Medicare Broker — Texas
Independent — Not Employed by Any Insurance Company
Your Information Stays Private — Never Sold
Does any of this sound like your situation?
Your Medicare claim was denied, and you don't know why or what to do next
You received a bill that doesn't look right, and you can't get a straight answer
Your plan isn't covering something your doctor ordered, and you're getting the runaround
You're not sure what your Medicare plan actually covers — and nobody will explain it clearly
You enrolled in a plan that doesn't seem to be working the way you were told it would
Someone called you about your Medicare, and something didn't feel right
You're trying to help an aging parent or family member, and you don't know where to start
You've been passed around from number to number, and nobody is helping you
You just want to make sure you're in the right plan and not overpaying
You have rights as a Medicare beneficiary — and a licensed independent broker is one of the best resources you have. Not because we can override insurance companies, but because we know how the system works, what your plan is supposed to cover, and what your options are when it isn't doing its job.
What you have the right to do as a Medicare beneficiary
Appeal a denial:
If Medicare or your Medicare Advantage plan denies coverage for a service or medication, you have the right to appeal.
For Original Medicare, you have 120 days from your Medicare Summary Notice to file.
For Medicare Advantage, your plan must give you written notice and instructions. You also have the right to a fast appeal if services are ending too soon.
File a grievance:
If you have a complaint about your provider, the quality of your care, long wait times, or how your plan is treating you, you can file a grievance.
Instructions are at Medicare.gov or by calling 1-800-MEDICARE.
Get help at no cost:
Your State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling.
In Texas, the program is called Texas SHIP.
You can reach them through Medicare.gov/contacts or by calling 1-800-MEDICARE.
Review your coverage:
You have the right to a full review of your Medicare options during the Annual Election Period each year and during Special Enrollment Periods if your situation changes.
A licensed independent broker can review your current plan against available options at no cost to you.
Texas Insurance for You is an independent Medicare broker — not affiliated with or employed by any insurance company or government agency. We provide information and guidance to help you understand your options and your rights.
How a licensed independent Medicare broker can help
Review your coverage
I'll go through your current plan with you — what it covers, what it costs, and whether it is actually doing what you need it to do.
Understand your options
If your current plan is not working, I can help you understand whether you qualify to make a change and what options are available in your area.
Be a resource in your corner
Insurance companies have entire departments. You have me. I know how these plans work, and I will give you straight answers — not a runaround.
I am a licensed insurance broker, not a licensed attorney or claims adjuster. I can help you understand your coverage, your rights, and your options. For complex legal disputes involving Medicare fraud or abuse, I will point you toward the right resources, including SHIP, your State Insurance Commissioner, or the Office of the Inspector General.
Questions people ask when something goes wrong with their Medicare
My Medicare claim was denied. What can I do?
You have the right to appeal any Medicare coverage or payment decision. For Original Medicare, you must file within 120 days of receiving your Medicare Summary Notice — the statement that shows what Medicare paid and what you owe.
The MSN includes instructions on where to send your appeal.
For Medicare Advantage plans, your plan must give you written notice before ending services and explain how to request a fast appeal.
If you are unsure where to start, reach out, and we will look at it together.
Can you help me with my appeal?
I can help you understand the appeals process, review your coverage to see whether the denial seems correct, and help you understand what documentation you may need.
For complex appeals or situations involving potential fraud or abuse, I will connect you with the right resources, including your State Health Insurance Assistance Program, which provides free help with appeals.
What is a Medicare Summary Notice?
It is the statement Medicare sends you — usually every three months — showing what providers billed, what Medicare paid, and what you may owe.
It is also where you will find instructions for filing an appeal if you disagree with a coverage or payment decision.
Keep every MSN you receive.
I think I was put in the wrong plan. Can you review it?
Yes — and this is one of the most common situations I see.
Bring your current plan information and I will go through it with you.
If you are in the wrong plan and qualify to make a change I will explain your options. If you are actually in a good plan I will tell you that too.
Someone called me about my Medicare and it felt off. What should I do?
Trust that instinct. There are significant compliance rules around how Medicare agents are allowed to contact beneficiaries and what they are allowed to say.
If someone contacted you in a way that felt wrong — door to door, unsolicited phone call, pressure to enroll quickly, promises that seem too good — reach out and tell me what happened.
I will tell you whether what they did was legitimate and what your options are.
I'm trying to help my elderly parent with their Medicare. Where do we start?
Start with a conversation. Bring whatever plan documents or cards you can find, a list of their doctors and medications if you have it, and your questions.
We will go through everything together and figure out what they have, whether it is working for them, and what options exist if it is not.
Is there really no cost for this?
There is no cost to you. Licensed Medicare brokers are paid by the insurance companies if an enrollment occurs.
If no enrollment occurs — for example, if we review your situation and determine you are already in the right plan — there is still no charge.
My job is to help you make the right decision, not to enroll you in something just to earn a commission.
What clients are saying
Charles Valdez has been helping my family find health insurance for six years, and we have recommended him to our friends and family. He is very knowledgeable about finding the right insurance for us. He keeps us updated on anything he feels we need to know, is patient when listening to all our questions, and is always honest with the information he provides. I highly recommend giving him a call.
Ismael R
"Charles Valdez is an excellent agent. He is very patient, answers every question, and has exceptional follow-up. Very helpful, great experience — tremendous help all around."
Lisa C
Ready to get some straight answers
No runaround, no pressure, no cost. Just an honest conversation about what is going on with your Medicare coverage and what your options are. Book a time online, call, or send an email — whatever feels easiest right now.
Call or text: (210) 714-1775
Email: [email protected]
Office: 500 6th St, San Antonio TX 78215 (by appointment only)
Serving San Antonio and communities throughout Texas.
We do not offer every plan available in your area. Currently, we represent 4 organizations that offer 56 products in your area. Please visit Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Assistance Program (SHIP) to get information on all your options. Plan availability varies by county. Not all carriers or plans are available in all areas of Texas. This content is for educational purposes and is not intended as legal or financial advice.