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Select Silva Agency, LLC We specialize in all areas of health, life, and final expense insurance. We will take care of you 😊

Well. We made it to the end of Myth Busting May! 🎉 I have to say, this month has been one of my favorites. The conversat...
31/05/2026

Well. We made it to the end of Myth Busting May! 🎉

I have to say, this month has been one of my favorites. The conversations, the shares, the DMs from people here in [City] who finally felt like Medicare made sense for the first time. That's everything to me.

Let's do a quick recap of what we covered this month.

👉 Medicare isn't free.
👉 Dental, vision, and hearing aren't covered.
👉 Enrollment windows are real and missing them costs you.
👉 Prescription drugs don't come automatically.
👉 Long term care is not covered.
👉 Your doctor might not take your plan.
👉 Traveling internationally? You're mostly on your own.
👉 And the plan you picked a few years ago might not be the best fit anymore.

😅 That's a lot.
And we covered every single one.

Here's what I want you to walk away with.
Medicare is not one size fits all. It's not set it and forget it. And it's definitely not something you want to figure out alone if you don't have to.

That's what I'm here for!

I got into this work because I care about people having someone genuinely in their corner. Not someone trying to sell them something. Just someone who knows this stuff inside and out and wants to help.

If this month gave you even one thing you didn't know before, please share this page with someone who needs it.

And if you're ready to sit down and actually look at your own coverage, I'd love to talk.

DM me the word READY and let's get started.

See you in June. 😊

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

After everything we've covered this month, this might actually be the most reassuring post yet.You are not locked in for...
28/05/2026

After everything we've covered this month, this might actually be the most reassuring post yet.
You are not locked in forever.

Medicare has specific windows that allow you to make changes to your coverage. And knowing about them can save you a lot of stress.

Here's a quick rundown.

The Annual Enrollment Period runs October 15 through December 7 every year. This is when anyone with Medicare can switch plans, drop a plan, or add coverage. Changes take effect January 1.

The Medicare Advantage Open Enrollment Period runs January 1 through March 31. If you're already in a Medicare Advantage plan and want to switch to a different Advantage plan or go back to Original Medicare, this is your window.

And then there are Special Enrollment Periods. Certain life events, moving to a new area, losing other coverage, qualifying for extra help, can trigger a Special Enrollment Period that lets you make changes outside the regular windows.

I had a client who had been unhappy with their plan for almost two years but thought they were completely stuck. They had stopped going to one of their preferred doctors because they assumed they just had to live with their network.

When they found out they could make a change at the next Annual Enrollment Period they were genuinely relieved.

One of the things I hear most from new clients is that they wish they had known sooner that they had options. That's exactly why I keep showing up here every day.

If your current plan isn't working for you, let's talk about it.

Drop the word SWITCH in the comments and let's figure out when and how you can make a change.

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

This one has a more nuanced answer than most of the myths we've covered this month.So let's break it down. Original Medi...
27/05/2026

This one has a more nuanced answer than most of the myths we've covered this month.
So let's break it down.

Original Medicare does not cover gym memberships or general fitness programs.

However, Medicare does cover intensive behavioral therapy for obesity. If your doctor determines it's medically necessary, you may be able to get counseling and support for weight loss covered under Part B.

And here's where it gets interesting.

Many Medicare Advantage plans do include fitness benefits. You may have heard of SilverSneakers or similar programs. These are fitness benefits that come bundled with certain Advantage plans and give you access to gyms and fitness classes at little or no cost.

Whether your plan includes something like that depends entirely on which plan you have and where you live.

I was chatting with a neighbor recently who had just retired and was really motivated to prioritize their health. They had a whole list of goals. Morning walks, fitness classes, maybe even joining a yoga studio!

They were excited to find out their Advantage plan actually included a fitness benefit that helped cover some of it.

Helping someone protect their health AND their wallet at the same time is genuinely one of the best parts of this job.

Not sure if your plan includes any fitness or wellness benefits? Is that benefit worth giving up your doctor?

DM me the word FITNESS and let's take a look at what you have and what might be available to you!

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

I wish this one were true. It would make life a lot simpler. But Medicare plans can and do change. Every single year. Ev...
25/05/2026

I wish this one were true. It would make life a lot simpler.

But Medicare plans can and do change. Every single year.

Every fall, during the Annual Enrollment Period from October 15 through December 7, insurance companies can make changes to their Medicare Advantage and Part D plans for the next year. Premiums can go up. Covered drugs can change. Which doctors or hospitals are participating can shift. . Benefits can be added or removed.

That means a plan that was perfect for you last year might not be the best fit this year.

And here's the part that gets people. Most people don't review their plan during Annual Enrollment. They just let it roll over automatically. Which means they could be paying more than they need to or missing out on better coverage without ever knowing it.

I once had a client reach out to me after three years on the same plan. When we actually sat down and compared what was available, we found a plan that saved them a considerable amount per year with better drug coverage on top of it.

Three years of overpaying. Just because nobody had told them to take a second look.

Annual Enrollment is coming up faster than you think. Now is a great time to get a relationship started so you're not scrambling when it opens.

Tag someone who has been on the same Medicare plan for years and might be due for a review.

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

This is a really common situation and the rules around it are genuinely confusing. So let's slow down and talk through i...
24/05/2026

This is a really common situation and the rules around it are genuinely confusing. So let's slow down and talk through it.

If you're still working at 65 and covered by an employer health plan, you may be able to delay Medicare without penalty. But there are important details that determine whether that's actually true for your situation.

The short answer is: it depends.

How many employees does your company have? If your employer has fewer than 20 employees, Medicare actually becomes your primary insurance at 65 even if you're still working. Staying on your employer plan without signing up for Medicare could leave you with some serious gaps you don't know about.

If your employer has 20 or more employees, your employer plan stays primary and you may have more flexibility to delay.

And what about a spouse's plan? That adds another layer to think through.

I was on a call recently with someone who had just turned 65 and their HR department had told them they didn't need to do anything about Medicare yet. That wasn't necessarily wrong but it also wasn't the whole picture for their specific situation.

Still working and not sure what to do about Medicare? This is exactly what I help people sort out.

Drop the word WORKING in the comments and let's figure out the right move for your situation.

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

This question comes up more and more as people look for alternatives to traditional medicine. And honestly I love that p...
23/05/2026

This question comes up more and more as people look for alternatives to traditional medicine. And honestly I love that people are thinking about their health holistically.

So here's the honest answer.

Original Medicare has very limited coverage when it comes to alternative medicine.

Acupuncture is actually one of the few exceptions. Medicare does cover acupuncture for chronic low back pain. Up to 12 sessions in 90 days, with an additional 8 sessions if you're showing improvement. That's it though – Acupuncture for anything else is not covered.

Chiropractic care is covered but only for manual manipulation of the spine to correct a subluxation. Not for maintenance care or other chiropractic services.

Naturopathy, homeopathy, herbal treatments, massage therapy, and most other alternative or complementary treatments are not covered at all.

I was having coffee with a client who had recently retired and was really focused on wellness and natural health approaches. She had assumed Medicare would support that lifestyle across the board.

We had a really good conversation about how to build a plan that worked for the way she actually wanted to live.

Everyone's health priorities are different. Your Medicare plan should reflect that.

DM me the word WELLNESS and let's talk about what coverage makes sense for the way you want to live!

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Okay this one might seem small. But for a lot of people, especially those with diabetes or circulation issues, foot care...
22/05/2026

Okay this one might seem small. But for a lot of people, especially those with diabetes or circulation issues, foot care is anything but small.

So let's clear it up.

Original Medicare does not cover routine foot care.
Nail trimming. Callus removal. Routine visits to a podiatrist just to keep things in check. Not covered.

Now here's where it gets a little more nuanced.
Medicare DOES cover foot care when it's medically necessary. If you have diabetes and need foot care related to your condition, that's a different story. If you have nerve damage or poor circulation that requires professional foot care, Medicare may cover it. But routine? No.

I ran into a client who mentioned they had been putting off seeing a podiatrist because they were waiting until their Medicare kicked in to cover it. They had been dealing with a pretty uncomfortable issue for months.

We had a quick conversation right there on the sidewalk and I was able to point them in the right direction! Sometimes the right information at the right time makes a real difference in someone's day!

DM me the word FEET to see what your plan covers!

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Part A and Part B are a solid foundation. I want to be clear about that. But foundation is the right word. Because on th...
21/05/2026

Part A and Part B are a solid foundation. I want to be clear about that.

But foundation is the right word. Because on their own, they leave some pretty significant gaps.

Here's what Original Medicare does not cover that can catch people off guard.

👉 There is no out of pocket maximum with Original Medicare. None. If you have a serious illness or a complicated year health wise, your costs can keep adding up with no cap.

👉 There are also deductibles, coinsurance, and copays that add up fast. The Part A deductible alone is $1,676 per benefit period in 2025. And if you have multiple hospital stays in a year, you could hit that more than once.

A Medicare Supplement plan, also called Medigap, is designed to fill in those gaps. Different plans cover different things but the basic idea is the same. Predictable costs. Less financial surprise.

I was recently talking with someone who had been on just Part A and B for three years. They had stayed pretty healthy so it hadn't been an issue. But they had a health scare earlier this year and when they saw what they could have owed out of pocket, they called me the next day.

Want to know what a Supplement plan would actually cost you?

DM me the word SUPPLEMENT and let's run the numbers together.

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

This one comes up a lot this time of year as people start making summer travel plans. And it's a big one to get wrong. O...
20/05/2026

This one comes up a lot this time of year as people start making summer travel plans.

And it's a big one to get wrong.

Original Medicare does not cover medical care outside of the United States. With very limited exceptions, if you get sick or injured abroad, you are on your own.

Those exceptions are pretty narrow. We're talking situations like if you're on a ship within U.S. territorial waters or if a foreign hospital is closer to you than a U.S. one in a genuine emergency near the border. Not exactly the coverage you're picturing for your dream trip.

I was chatting with someone recently who was getting ready for a big international trip they had been planning for years. First retirement adventure. They had no idea their Medicare wouldn't travel with them.

We got them sorted out before they left. But it was a close call.

Here's what to look for instead. Some Medicare Supplement plans do include foreign travel emergency coverage. Some Medicare Advantage plans include it too, though it varies. And travel insurance is always worth considering for international trips.

Got a trip coming up this summer? Let's make sure you're actually covered.

DM me the word TRAVEL and let's take a look at your options before you go!

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

This one is so easy to assume. And so important to verify. Just because you've had a doctor for years does not automatic...
19/05/2026

This one is so easy to assume. And so important to verify.

Just because you've had a doctor for years does not automatically mean they accept Medicare. Or that they accept your specific Medicare plan.

There are actually three categories to know about.

Participating providers accept Medicare and agree to the Medicare-approved amount as full payment. This is what you want.

Non-participating providers accept Medicare but haven't agreed to the approved amount. They can charge you up to 15% more than the Medicare rate. That's called an excess charge.

Opt-out providers have completely opted out of Medicare. If you see one of these doctors, Medicare pays nothing. You're on the hook for the entire bill.

I've had so many conversations that start with "I just assumed my doctor took my plan." Sometimes they do. Sometimes they don't. And finding out at the front desk when you're already there is not a fun moment.

Before you lock in any plan, check your doctors. Every single one you care about.

🤔 Not sure how to check?

DM me the word DOCTORS and I'll walk you through it step by step.

We do not offer every plan available in your area. Currently we represent 0-14 organizations which offer 0-84 products in your area. Please contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Address

5525 Blanco Road , Ste. #103 Castle Hills TX

78216

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00
Saturday 09:00 - 15:00

Telephone

+18304887670

Website

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