Lydia Perez, Medicare Insurance Broker
Lydia Perez
Bilingual English & Español
Medicare Broker Licensed in NM, AZ, CO and TX
15+ Years of Experience
Contact Details
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Location
Las Cruces, NM
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Phone
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Pre-Appointment Form
About Me
With over 20 years of experience as a Medicare Advisor, I’ve dedicated my career to helping individuals and families confidently navigate the often confusing world of Medicare. As a bilingual professional fluent in both English and Spanish, I’m proud to serve a diverse community with clarity, compassion, and integrity.
What sets me apart from other agents is my personalized approach. I take the time to truly understand your healthcare needs, lifestyle, and budget — treating every client with the same care and attention I’d give my own parents. Whether you're new to Medicare or exploring better options, my goal is to make the process simple, stress-free, and tailored just for you.
Let’s find the Medicare plan that fits your life — not the other way around.
Q&A with Lydia Perez
How do I know if my prescriptions will cost more next year?
Answer: Every year, around September your plan will send out a letter known as the Annual Notice of change that details any changes to your plan's premium, copays and changes to your formulary for the upcoming year.
It's very important that you review this information prior to December 7th so make sure you there are no surprises for 2026.
How does Medicare cover palliative care for serious illnesses, and what’s the difference between palliative care and hospice care?
Answer: Medicare covers palliative care under Part B Medical insurance which is provided by doctors, nurses, or specialists. It can be provided at a hospital, nursing home, or home.
Palliative care is meant to provide comfort, and support to manage pain, or symptoms at any stage of illness.
Hospice is provided by Medicare Part A (Hospital Care) and its aim is to provide comfort and support for a person in their final stage of life.
I'm planning a long trip overseas. What happens if I need medical care while I'm away from the US?
Answer: Medical coverage outside of the US is dependent on what type of Medicare insurance you have. Original Medicare does not usually cover outside of the US, except for a few exceptions.
There are some Medicare Advantage Plans that do offer limited urgent or emergency coverage outside of the US, but most do not. It's very important to read your Evidence of Coverage prior to planning your travel.
There are some Medicare Supplement plans do cover 80% of emergency medical expenses but there is a $250 deductible that you must pay first, and there is a lifetime cap of $50,000.
If planning a trip outside of the US, I always advise my clients to purchase Short-term Travel Medical insurance because it covers hospitalization if needed, doctor visits and most important if you need to be evacuated back to the states, it's covered.