Ruben Trejo, Medicare Insurance Broker
Ruben Trejo
Life & Health Hub - "Hablamos Español"
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
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Conroe, TX
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About Me
Hi, I’m Ruben Trejo — husband, dad, grandpa, and proud owner of Life & Health Hub, Inc. Since 2008, my mission has been simple: help good people make smart Medicare choices without the stress and confusion.
I started this agency because I saw too many seniors overwhelmed by all the options, fine print, and fast-talking salespeople. That’s not how it should be. Here, we take the time to explain your benefits in plain English (y También Hablamos Espoñol 🇲🇽), guide you step-by-step, and treat you like family — not a number.
Whether you're new to Medicare or just want a second opinion, we've got your back.
Why So Many Trust Life & Health Hub:
-Clear, Straightforward Guidance – No jargon. We keep it simple and honest
-Custom Plans That Fit Your Life – We find what works best for you
-Zero Cost Help – Our services are 100% free to you
-Bilingual Support – Hablamos español con gusto
What We Help With:
-Medicare Advantage & Supplements – Know your options and get what matters most
-Prescription Drug Coverage – So your medications don’t break the bank
-Final Expense & Life Insurance – Protect your family and leave a legacy, not a burden
-Health Insurance – Whether you're retiring early or need coverage before Medicare
-Annuities & Retirement Planning – Turn your savings into lifetime income you can count on
-Dental, Vision & Hearing Plans – Round out your coverage with what Medicare may not include
Call us today at (281) 688-6165 to schedule your FREE consultation, or stop by:
100 I-45 North, Suite 460, Conroe, TX 77301
At Life & Health Hub, we don’t just sell insurance —
we give you peace of mind for the road ahead.
"We Make Insurance EASY!"
Directions to My Office
My Google Reviews
36 Total Reviews (5.0)
April 10, 2025
Rubin did a great job helping me with my Medicare insurance. He was able to answer all of my questions and set up everything for me. He is knowledgeable and a pleasure to work with. I highly recommend Rubin for your insurance needs.
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!
I'm at high risk for heart disease based on my family history. What additional preventive services might Medicare cover for someone with my risk factors?
Answer: If you’re at high risk for heart disease, Medicare DOES cover some extra preventive services that can really help.
They’ll cover things like a cardiovascular screening every 5 years, that checks your cholesterol and other key levels. And you also get a yearly visit with your doctor to talk about heart health and how to stay on track with things like diet and exercise.
If your doctor sees any other red flags, there may be more services Medicare can cover, too, but it depends on your situation.
I just moved to a new state. Do I need to do anything with my Medicare coverage?
Answer: If you just moved and you're on a Medicare Advantage or drug plan, you'll probably need to switch since those go by ZIP code, but don’t stress, you get a Special Enrollment Period to handle it. If you’ve got Original Medicare, you’re good, just make sure to update your address with Social Security.