Ruben Trejo, Medicare Insurance Broker
Ruben Trejo
Life & Health Hub, LLC
Medicare Broker Licensed in TX, AL, AR, AZ, CO, FL, GA, IA, ID, IN, KS, KY, LA, MI, MS, MT, NC, ND, NM, NV, NY, OH, OK, OR, PA, SC, TN, UT, WI and WV
Contact Details
-
Location
Conroe, TX
-
Phone
-
Website
-
Schedule An Appointment
-
Facebook
-
Instagram
About Me
Hi, I’m Ruben Trejo, owner and founder of Life & Health Hub, Inc. Since 2008, my team and I have been helping seniors navigate Medicare with ease and confidence. Whether you’re new to Medicare or just reviewing your current plan, we’ve got you covered!
==>Why Choose Life & Health Hub?
=>Expert Guidance: We simplify Medicare so you can make informed decisions.
=>Tailored Plans: We’ll find the best plan for your needs and budget.
=>No-Cost Service: Our help is 100% FREE.
=>Hablamos Español: ¡Estamos aquí para ayudarle en español!
==>We Can Help With:
+Medicare Advantage Plans – Full health and wellness coverage.
+Medicare Supplements – Fill the gaps and gain peace of mind.
+Prescription Drug Plans – Get the right coverage for your medications.
+Dental, Vision, and Hearing Plans – Complete your benefits package.
Call us at (281) 688-6165 to schedule your FREE Medicare consultation today!
Or visit us at 100 I-45 North, Suite 460, Conroe, TX 77301.
At Life & Health Hub, we don’t just provide insurance—we provide Peace of Mind. Let us help you make the best Medicare choices for your health and future.
"We Make Insurance EASY!"
Directions to My Office
My Google Reviews
35 Total Reviews (5.0)
March 19, 2025
My agent Andy Covell has been a great help to me for many years. He truly cares about his customers.
February 25, 2025
Always helpful and prompt
February 5, 2025
Life & Health Hub came to my rescue!! They made the process easy and stress free!!! I cannot recommend them enough!!
January 22, 2025
I was very pleased with my visit, he was very knowledgeable and answered all my questions completely
January 14, 2025
Gentlemen was very helpful, sent thevinfo to go over.
January 14, 2025
Great service
January 8, 2025
December 8, 2024
Thankful to have all my questions answered in a short phone call with some changes in my plan that will save me money monthly but a lot of money in my annual policy. Thanks for the help!
December 7, 2024
December 7, 2024
December 6, 2024
Ruben Trejo is an excellent health insurance agent, he helped me in a clear and understandable way and answered all my questions. He is very professional and very involved in what he does, I am very grateful for all his help. I sincerely recommend it to anyone who needs it. Ruben, thank you very much for everything.
Q&A with Ruben Trejo
What is the biggest mistake seniors make when enrolling in Medicare?
Answer: One of the biggest mistakes when enrolling in Medicare is when a Medicare recipient assumes they’ll be automatically enrolled in Medicare when they turn 65, but that’s not always the case. If they don’t sign up during their 7 month Initial Enrollment Period (IEP), which starts three months before their 65th birthday and ends three months after, they could face permanent late enrollment penalties and delays in coverage.
Can you describe a time when you helped a client navigate a complex Medicare issue?
Answer: Had a client who was completely confused choosing between Medicare Advantage and Medigap (a Medicare Supplement Plan), worried about costs and whether their doctors would be covered. I broke it down for them, helped them understand their options, found the best fit for their needs, and made sure they didn’t get stuck with unexpected expenses.
How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?
Answer: The new 2025 Medicare Part D out-of-pocket cap is a HUGE WIN for seniors! It limits how much they have to spend on prescriptions, making medications more AFFORDABLE, PREDICTABLE, and way less stressful.
Is Original Medicare or Medicare Advantage better? Why do you recommend one over the other?
Answer: There’s really no "one-size-fits-all" answer, it really depends on the individual's needs. Original Medicare gives you more freedom to see any doctor that accepts Medicare and works great if you pair it with a Medigap plan to cover out-of-pocket costs.
Medicare Advantage can be a solid choice if you want lower monthly premiums, extra benefits (like dental, vision, and hearing), and a max out-of-pocket limit, but you’ll need to stick to a network of doctors. I don’t push one over the other, I just place both options in front of my client, ask the right questions, and help them find what works best for their health and budget needs.
How do discount cards and resources affect my Medicare Prescription Drug plan?
Answer: Discount cards can be a nice little hack for saving money on prescriptions, but they come with a catch, they don’t count toward your Medicare Part D out-of-pocket costs. Sometimes, they’ll get you a better deal than your plan’s copay, but other times, your Part D coverage is the smarter choice. Think of them as a backup tool in your savings toolbox—use them when they work in your favor, but don’t rely on them to help you hit your deductible or out-of-pocket max!