Antonio Espino, Medicare Insurance Broker
Antonio Espino
Espino Insurance Group - Hablo Español
Medicare Broker Licensed in TX
8+ Years of Experience
Contact Details
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Location
Harlingen, TX
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Phone
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Website
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Pre-Appointment Form
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Facebook
About Me
Hi, I’m Antonio Espino, a licensed Medicare agent based in Harlingen, TX. I’m passionate about helping seniors make informed decisions about their Medicare options. Whether you’re new to Medicare or reviewing your current coverage, I’m here to provide clear, personalized guidance—at no cost to you.
I also specialize in Final Expense Life Insurance and Annuities, helping you protect your loved ones and plan for a more secure financial future.
I offer in-person appointments at my Harlingen office, home visits for your convenience, and phone appointments if you prefer. Hablo español and I’m happy to assist you in either English or Spanish—whichever you’re most comfortable with. My goal is to make the Medicare and retirement planning process as simple and stress-free as possible.
Have questions about Medicare Advantage, Supplement Plans, Prescription Drug Coverage, Life Insurance, or Annuities? I’d be happy to help!
📍 Office Location: 1212 E Harrison Ave #250, Harlingen, TX 78550
📞 Phone: 956-455-1313
Hola, soy Antonio Espino, un agente de seguros con licencia ubicado en Harlingen, TX. Me apasiona ayudar a los adultos mayores a tomar decisiones informadas sobre sus opciones de Medicare. Ya sea que esté por cumplir 65 años o quiera revisar su cobertura actual, estoy aquí para ofrecerle orientación clara y personalizada—sin ningún costo para usted.
También me especializo en seguros de gastos finales y anualidades, para ayudarle a proteger a sus seres queridos y planificar un futuro financiero más seguro.
Ofrezco citas en persona en mi oficina en Harlingen, visitas a domicilio para su comodidad, y también citas por teléfono. Puedo Hablar Ingles! Y estaré encantado de atenderle en el idioma que usted prefiera.
¿Tiene preguntas sobre Medicare Advantage, Planes Suplementarios, cobertura de medicamentos, seguros de vida o anualidades? ¡Estoy aquí para ayudarle!
📍 Ubicación de la Oficina: 1212 E Harrison Ave #250, Harlingen, TX 78550
📞 Teléfono: 956-455-1313
Directions to My Office
Q&A with Antonio Espino
What do you like most about being a Medicare agent?
Answer: What I like most about being a Medicare agent is the opportunity to truly make a difference in people’s lives. Medicare can be confusing, and I love being the person who brings clarity and peace of mind. When someone tells me they finally feel confident in their coverage or that I helped them save money and stress, that’s the best reward. It’s about building relationships, not just policies. I’m here to serve, and that’s what keeps me passionate about this work every day.
What's the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: The main difference between a Medicare Advantage PPO and HMO is flexibility. An HMO plan usually has lower costs, but you must stay within the plan’s network and get referrals to see specialists. It’s a good choice if you’re comfortable using a specific group of doctors. On the other hand, a PPO plan gives you more freedom—you can see any doctor, even out-of-network, without needing a referral. However, that flexibility usually comes with higher premiums and out-of-pocket costs.
How do I budget for Medicare costs if I expect my health to decline in the next decade?
Answer: If you are a young 65 year old with no serious health issues...I would get on a Medicare Giveback plan. Save on your Medicare premiums that way. Once you turn like 75, I would get on a Medicare Supplement or even a good Medicare Advantage plan with a low max out of pocket.