Initial Enrollment Period (IEP)
Enrollment window 3 months before your 65th birthday, the month of you 65th birthday and 3 months after your birth month.
Medicare Advantage & Social Security Help in McAllen, TX
Confident Medicare & Social Security Decisions—Locally Guided
Compare plans, understand your Social Security choices, and enroll on time.
Licensed independent agent • Serving McAllen, Rio Grande Valley and the State of Texas
What Is Medicare Advantage (Part C)
Medicare Advantage is Medicare provided through private insurers that contract with Medicare. Plans bundle Part A and Part B and often Part D, and may include extras like dental, vision, hearing, and fitness. Networks and costs vary by plan. You must be entitled to keep Part A and enrolled in Part B and continue paying the Part B premium.
- HMO, PPO, regional PPO
- Copays and maximum out-of-pocket (MOOP)
- Drug coverage varies by plan
Find The Right Coverage For You
Insurance can be confusing. But with our online resources and national network of licensed insurance agents we can make it straightforward.
PlanEnroll - Get CoverageProminence Medicare Advantage
Get covered - Finding a Medicare plan that is right for you is easy.
Get StartedDon’t Miss These Dates
Annual Election Period (AEP)
Oct 15–Dec 7 each year. Change Medicare Advantage or Part D. Changes start Jan 1.
Medicare Advantage Open Enrollment (MA OEP)
Jan 1–Mar 31. Switch MA plans or return to Original Medicare and, if needed, add Part D.
Special Enrollment Periods (SEPs)
Life events like moving, losing coverage, or qualifying for Extra Help.
Costs & Savings Programs
Premiums, copays, and drug costs vary by plan. Higher-income Part B/D premiums may apply (IRMAA). If you have limited income/resources, the "Extra Help" program can lower Part D costs, and Texas HICAP/SHIP offers free unbiased counseling.
Check Extra Help EligibilityHow We Help
- Compare local plan options and provider networks
- Verify your drugs and pharmacies
- Explain Social Security + Medicare timing
- Help apply for Extra Help and savings programs
- No-cost consultation; you only enroll if it fits
Social Security & Medicare—How They Connect
If you already receive Social Security before 65, you're usually enrolled in Parts A and B automatically. If not, you apply for Medicare through Social Security, ideally starting three months before 65. You can delay Part B if covered by qualifying employer insurance.
Local Resources
McAllen Social Security Office
Texas SHIP (HICAP)
Free, unbiased Medicare counseling for Texans.
What To Bring to Your Review
- Medicare card (if you have one)
- Drug list and preferred pharmacies
- Primary doctors and specialists
- Employer coverage details (if any)
- Social Security or RRB info
FAQ
Can I keep my doctor on Medicare Advantage?
It depends on the plan's network. We verify this before you enroll.
Can I change plans after Jan 1?
Yes during MA OEP Jan 1–Mar 31.
What if I missed signing up at 65?
Use a SEP if you qualify; otherwise you may use Jan 1–Mar 31 General Enrollment and could face penalties.
Does Medicare cover dental, vision, hearing?
Original Medicare generally does not. Many MA plans add some benefits.
How does Social Security timing affect Medicare?
Already on Social Security before 65 → automatic A and B. Not yet on Social Security → apply for Medicare via SSA.
Service Area
Serving McAllen, Rio Grande Valley, and the State of 
Texas. Plans and benefits vary by ZIP code and year. Verify eligibility
and availability.
Accessibility & Language
English and Spanish support available. TTY users call 711. Interpreter services provided on request.
Not connected with or endorsed by the U.S. government or the federal Medicare program.