Angela Gala Gonzalez, Medicare Insurance Broker
Angela Gala Gonzalez
Clave Pro Services LLC
Bilingual English & Español
Medicare Broker Licensed in TX, AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NC, NV, NY, OK, OR, SC, TN, VA, WA, WI and WV
Contact Details
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Location
Houston, TX
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Phone
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Website
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Pre-Appointment Form
About Me
After more than 30 years working in healthcare systems, I founded ClavePro Services with one simple mission: help people make confident decisions about Medicare and their financial well-being.
I believe Medicare shouldn't feel confusing or overwhelming. My role is to explain your options in clear, everyday language, answer your questions honestly, and help you choose the coverage that best fits your health, your medications, and your budget.
I proudly serve clients in English and Spanish, taking the time to understand each person's unique situation. Whether you're new to Medicare, moving to another state, reviewing your prescription coverage, or simply wondering if your current plan is still the right one, I'm here to help.
My clients know they can expect patience, education, and personal service—not pressure.
At ClavePro Services, we believe peace of mind begins when you truly understand your options.
Q&A with Angela Gala Gonzalez
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: Yes, I got this one I will never forget: a sweet lady who had been in her Medicare Advantage plan for three years. I was doing her needs analysis, just talking through her coverage, when she mentioned something almost in passing: "The other plan I have charges me almost 300 dollars every month, and I never use it."
That sentence stopped me. With a Medicare Advantage plan, a supplemental policy cannot even be used alongside it. So I asked her about it. It was a supplement she had purchased when she first became eligible for Medicare. "I cancelled it three years ago," she told me, "but they kept charging me."
Before making any changes, I called support and requested a formal investigation. I never touch a client's coverage until I understand exactly what happened. The investigation confirmed it: she had cancelled correctly, but the cancellation was never processed on their end. For three years, the charges kept coming out, month after month, for a policy she could not use and had properly cancelled.
She was refunded over 6,000 dollars.
Three years of statements had passed through her hands, and nobody had caught it. Not because she was careless, but because nobody was looking with her. It took one conversation, one question asked out loud, and one agent willing to dig.
That is why I believe in annual reviews, and why my needs analysis is a conversation, not a form. The most expensive problems rarely come to you as problems. They come as a sentence someone says in passing: "and I never use it." My job is to hear that sentence.
How do I report a suspicious Medicare billing error without getting in trouble myself?
Answer: First, take a breath: you will never get in trouble for asking questions about your claims! Calling or reporting when you suspect a billing error never hurts you. It protects you.
Here is my advice:
If you are not sure, begin with a phone call, and do not make accusations. Many "suspicious" charges are clerical errors. Call your provider's billing department and ask them to explain the charge. You may get it corrected on your first call. If the answer did not clarify things, you can always call 1-800-MEDICARE, and have your statement in hand. You can also contact your local SHIP, a free program that exists to help beneficiaries with exactly this.
You should never feel embarrassed for asking. The people who get hurt by billing fraud are the ones who stayed quiet.
And if you have an agent, call them first. My clients know I would rather look at ten harmless statements than miss one real problem. That's part of the job!
How long should you keep Medicare statements?
Answer: This is one of those questions almost nobody asks until the drawer is full. Here is the simple system I teach my clients:
Keep your Medicare Summary Notices for at least one year. These are the statements Medicare sends every three months showing what was billed, what Medicare paid, and what you may owe. Before you put one away, do one thing: compare it against the bills you actually received. If everything matches and your providers have been paid, that statement has done its job.
Keep anything tax related for at least three years. If you deduct medical expenses on your taxes, those statements become part of your tax records. Three years is the general rule; some accountants prefer up to seven. When in doubt, ask your tax preparer. In my office we do both, insurance and taxes, so my clients get one answer instead of two.
Keep statements longer if something has not been solved. An appeal, a billing dispute, a claim you have questions about, or treatment for an ongoing condition: hold those papers until the matter is fully closed, no matter how old they are.
When you let go of them, shred them. Medicare statements carry information identity thieves love. Never throw them in the trash whole. If you don't have a shredder, many banks and community centers hold free shredding days.
And one more thing that gives my clients peace of mind: Medicare keeps your claims history online at Medicare.gov, so even if a paper is gone, the record is not. If a statement ever confuses you, don't file it away worried. Call your agent. That's what we are for.
What are the reasons why I should work with a Medicare agent?
Answer: Beneficiaries sometimes think a Medicare agent is just someone who signs them up for a plan. After years of doing this work, I can tell you the enrollment is the smallest part of what an agent does. Here's why I believe every beneficiary should always work with a Medicare agent:
1. Because the way a simple question is asked, in most cases, changes the answer. Medicare isn't one decision. It's a series of decisions: Parts A and B, Advantage or Supplement, drug coverage, networks, doctors, budgets. A good agent doesn't start with plans; we start with your life. Your doctors, your medicines, your priorities. Then we find what fits, not what's popular. What fits your neighbor may not fit your needs at all.
2. Because plans change every year, and your life does too. What was right for you last October may not be right this October. An agent reviews it with you every year, so you're never paying for coverage that stopped fitting you.
3. Because mistakes in Medicare are expensive and quiet. I recently helped a client who had canceled her plan on her own and chosen one with fewer benefits. She would have paid her Part B costs out of pocket without knowing it. We caught it, fixed it, and got her back with a doctor she loves. That's what an agent is for: catching what you can't see coming.
4. Because our guidance costs you nothing. Agents are paid by the insurance companies, not by you. Same plans, same prices as going alone, but with someone in your corner, in your language, all year long. Not just in October. When the confusing letter arrives in March, you don't decode it alone. You call your agent.
And maybe the most important reason, the one I've built my work on: peace of mind begins when you understand your options. That's what we really offer. Not a plan. Understanding, and someone who picks up the phone, and is ready to listen, even when you just wanted to have someone on the other side of the phone.