At Paloma Insurance Group, we provide expert guidance, trusted solutions, and a sense of reassurance for every stage of life. Backed by 50 years of combined experience, we are more than just insurance advisors—we are your neighbors, proudly serving San Antonio and the surrounding areas with a deep commitment to transparency and personalized service
MEDICARE INSURANCE CONSULTANTS
We help you navigate the Medicare Insurance process.
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What We Do
We Advocate for You.
Paloma is more than just an insurance agency—we are a trusted partner and advocate in our clients' healthcare journeys. Our philosophy is rooted in accessibility, trust, and service. Specializing in Medicare, we also offer ACA plans, dental and life.
We’re Here For You
At Paloma Insurance Group, you’re not just a client—you’re family, and we are committed to providing trust, care, and peace of mind every step of the way.
More Ways We Help
Local, Personal, and Here for You
At Paloma, we’re more than just agents—we’re advocates. Our job isn’t to sell a plan—it’s to stand by your side and help you get the service you deserve.
Additional Benefits
- Access to All Major Medicare Providers – We work with top carriers to offer you the best coverage options.
- Personalized & Tailored Coverage – We customize plans to fit your unique healthcare needs, budget, and lifestyle.
- Comprehensive Plan Options – Including Medicare Advantage, Supplement (Medigap), and Part D Prescription Drug Coverage.
- Simplifying Medicare for You – We break down complex choices, ensuring you feel confident in your decisions.
- Year-Round Advocacy & Support – We don’t just enroll you; we remain your go-to resource for plan updates and support.
Over 50 years of combined experience
We partner with all major Medicare providers to ensure you have access to the best coverage options available. We understand that no two individuals are the same, which is why we take a personalized approach to Medicare.
Whether you’re exploring Medicare Advantage, Supplement (Medigap) plans, or Part D Prescription Drug Coverage, we tailor our recommendations to fit your unique healthcare needs, budget, and lifestyle. Our team is dedicated to making Medicare simple and accessible, so you can feel confident in your choices.
Frequently asked questions
Medicare 101
What is Medicare?
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions like End-Stage Renal Disease (ESRD).
What are the different parts of Medicare?
- Medicare Part A (Hospital Insurance) – Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
- Medicare Part B (Medical Insurance) – Covers doctor visits, outpatient care, preventive services, and medically necessary services.
- Medicare Part C (Medicare Advantage) – A private insurance plan that combines Part A and Part B benefits, often including additional coverage like vision, dental, and prescription drugs.
- Medicare Part D (Prescription Drug Coverage) – Helps cover the cost of prescription medications.
Do I need Medicare if I’m still working?
It depends on your current employer’s insurance. If you work for a company with 20 or more employees, you may choose to delay enrolling in Medicare Part B without penalties. However, it’s important to evaluate your options with a licensed Medicare advisor.
What is Medigap?
Medigap, or Medicare Supplement Insurance, is a private insurance policy that helps pay for out-of-pocket costs not covered by Original Medicare, such as deductibles and copayments.
When can I enroll in Medicare?
- Initial Enrollment Period (IEP): Starts three months before your 65th birthday, includes your birth month, and ends three months after.
- Annual Enrollment Period (AEP): October 15 – December 7, when you can make changes to your Medicare Advantage and Part D plans.
- Special Enrollment Period (SEP): If you qualify due to specific life events, such as retiring and losing employer coverage.
How do I know if I need a Medicare Advantage plan or a Medigap policy?
Choosing between Medicare Advantage and Medigap depends on your healthcare needs, budget, and preferred access to doctors. Medicare Advantage often includes extra benefits but has network restrictions, while Medigap provides more flexibility with provider choices..
Does Medicare cover dental, vision, and hearing?
Original Medicare (Parts A & B) does not cover routine dental, vision, or hearing care. However, many Medicare Advantage plans include these benefits. You can also purchase standalone dental, vision, and hearing insurance.
Will Medicare cover me if I travel?
Original Medicare generally does not cover healthcare outside the U.S., except in limited circumstances. However, some Medicare Advantage plans and Medigap policies provide international emergency coverage.
What if I need help with long-term care?
Medicare does not typically cover long-term custodial care in a nursing home. Medicaid or long-term care insurance may be options for extended care coverage.
Enrollment & Plan Changes
Can I switch Medicare plans if my needs change?
Enrollment & Plan Changes
Yes! You can make changes during the Annual Enrollment Period (AEP) or a Special Enrollment Period (SEP) if you qualify. Your agent can assist you in identifying if you qualify for a Special Enrollment Period
What happens if I miss my Initial Enrollment Period?
If you miss your Initial Enrollment Period (IEP) and don’t qualify for a Special Enrollment Period (SEP), you may have to wait until the General Enrollment Period (January 1 – March 31) and could face late enrollment penalties.
Can I change my Medicare plan after I enroll?
- The Annual Enrollment Period (AEP) (October 15 – December 7)
- The Medicare Advantage Open Enrollment Period (January 1 – March 31)
- A Special Enrollment Period (SEP) if you qualify due to life changes like moving or losing employer coverage.
Will I lose my Medicare coverage if I move?
If you have Original Medicare (Parts A & B), your coverage remains the same nationwide. However, if you have a Medicare Advantage or Medicare Part D (prescription drug) plan, you may need to select a new plan if you move outside your current plan’s service area.
When can I enroll in Medicare?
- Initial Enrollment Period (IEP): Starts three months before your 65th birthday, includes your birth month, and ends three months after.
- Annual Enrollment Period (AEP): October 15 – December 7, when you can make changes to your Medicare Advantage and Part D plans.
- Special Enrollment Period (SEP): If you qualify due to specific life events, such as retiring and losing employer coverage.
Other Insurance & Financial Assistance
What if I can’t afford Medicare premiums?
You may qualify for financial assistance programs, including:
- Medicare Savings Programs (MSP): Helps pay for Part B premiums, deductibles, and copayments.
- Extra Help (Low-Income Subsidy): Assists with Part D prescription drug costs.
- Medicaid: Provides additional healthcare coverage if you meet income requirements.
Does Medicare cover alternative medicine or chiropractic care?
Medicare covers chiropractic care for medically necessary spinal adjustments but does not cover acupuncture (except for chronic lower back pain) or other alternative therapies like naturopathy. Some Medicare Advantage plans may offer broader coverage.
Can I have both Medicare and VA benefits?
Yes! If you have VA benefits, you can still enroll in Medicare. However, Medicare does not pay for care at VA facilities, so having both can expand your healthcare options.