Guillermo Gonzalez, Medicare Insurance Agent
Guillermo Gonzalez
Senior Health Services
Bilingual English & Español
Medicare Agent Licensed in TX, AL, CA and MS
Contact Details
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Location
Tomball, TX
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Phone
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Website
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About Me
Hi! My name is Guillermo, and I am your dedicated Medicare consultant and agent. As a bilingual, independent Medicare agent based in Texas, I specialize in helping individuals turning 65, those already on Medicare, and people with disabilities find the right coverage to fit their unique healthcare and budget needs. I work with all major carriers in the Houston area, providing personalized, no-cost consultations to simplify the Medicare process and ensure you feel confident about your choices.
Whether you're new to Medicare or reviewing your current plan, I’m here to help with expert guidance and ongoing support. From Medicare Advantage and Supplement plans to Prescription Drug coverage, I’ll help you compare options and stay informed about annual changes.
Directions to My Office
Q&A with Guillermo Gonzalez
Answer: People can be unhappy with Medicare Advantage plans because their choices weren't explained to them correctly when they enrolled into Medicare. In my experience, it has been that those that aren't happy a Supplement might have a better choice or they could be in the wrong Advantage plan. My goal is to find out why someone is unhappy and figure out what the options are for that person.
Answer: Being that you are in an HMO unfortunately, to see that particular provider you would be out of network and would have to pay for it. You would have two options at that point. The network provider does have cardiologist in network that you could use or depending on the time of year you could switch to a network that specialist you would like to see does accept.
Answer: The cost of Medicare can be different for everyone because the way they set the rate for your part B monthly premium is based on your income from 2 years ago. There are income brackets that will determine your cost. If you are making less today than what you were 2 years ago you might be able to get a reduction on your part b if you rate for a lower bracket.
Answer: There are Advantage plans that do offer food cards that can assist in paying for groceries such as meats, vegetables, grains and all sorts of other healthy foods. Typically, sugary things such as soda and candy are excluded.
Answer: If you have the intention of retiring, you can file to start the Medicare enrollment process. In the paperwork you are going to put down the month you would like to activate it.
Answer: Education is one the best benefits of being in this field. I like to setup a time preferably in person, to talk with someone about the different parts of Medicare and how it applies to them and the costs associated with it.
Answer: I would have to say plan G because it has 100% on the services covered by Medicare except for a deductible of $257 that is from Part B. This gives you predictable costs once the deductible is met.
Answer: You should try to get ahead of it as soon as possible. This means that 3 months before you are turning 65 enroll into Medicare at SSA.gov website, go into the social security office or call. If you are working still and are going to continue to do so and have credible coverage from your employer you can delay enrollment.
Answer: No, once you are on an Advantage plan you have to use those network doctors unless you have a PPO plan which you would then be subject to the copay percentage of that plan.
Answer: Original Medicare does not cover routine eye exams for glasses or contacts. This means that seniors are left paying out of pocket for vision care. You can obtain vision coverage through a standalone vision plan or through a Medicare Advantage plan.
Answer: Medicare is a complicated system that requires training and knowledge of to help serve people. I really enjoy bringing clarity and peace of mind. Everyone is someone's parent, grandparent or loved one which is why I work hard to build great relationships to earn trust. The more I get involved with Medicare the more I see I can make a difference.