Trusted Medicare & Health Insurance Guidance in Seguin
Helping you compare plans, understand your options, and feel confident about your coverage.
At TLA Insurance
We specialize in simplifying Medicare and health coverage for individuals and families in Seguin and the surrounding Hill Country. Whether you’re turning 65, under 65 and seeking health plan options, or simply wanting expert guidance on life insurance, we’re here to make your decisions easier.
Local, independent, and here when you need us
Focused on Medicare Advantage, Medicare
Supplements, and Prescription Drug Plans
Options for under-65 health insurance
(including ACA marketplace plans)
Why TLA Insurance?
We’re more than just insurance agents, we’re neighbors. Tracy Arce has been serving Seguin and the surrounding Hill Country for years, with a mission to provide clarity, choice, and confidence when it comes to Medicare and health coverage.
Medicare Plans
Medicare can be confusing. We’ll walk you through Parts A, B, C, and D and explain the difference between Medicare Advantage and Medicare Supplement plans so you find what truly fits.
Health Insurance (Under 65)
From ACA marketplace coverage to short-term health plans, we’ll help you explore the best choices available for individuals, families, and small business owners.
Prescription
Drug Coverage
Stay covered for the medications you rely on. We’ll help you find the right Part D plan that fits your prescriptions and budget.
Life Insurance
Protect what matters most. From term to whole life coverage, we’ll help you secure financial peace of mind for your loved ones.
Testimonials
Jasmine Richards
Switched to TLA for auto and life insurance. Rates and coverage options are impressive. The process was smooth and hassle-free. Definitely worth considering!
Monica Chandler
Switched to TLA after shopping around. Their life and home insurance packages offer solid coverage with no fuss. Straightforward, reliable service.
Thomas Krazinski
Switched to TLA for business insurance; cost-effective, straightforward coverage. Smooth setup, no hassles. Feels secure.
FAQs
Your Questions Answered: Quick Insights on Medicare and Insurance Coverage
What Medicare plans are available in Seguin and New Braunfels?
Residents can choose from Original Medicare, Medicare Advantage (Part C), Medicare Supplement (Medigap) plans, and stand-alone Part D prescription drug plans. Local options vary, and our licensed agents help compare what’s available in Guadalupe and Comal counties.
When is the Medicare Annual Enrollment Period in Texas?
The Annual Enrollment Period runs from October 15 to December 7 each year. During this time, you can enroll in, drop, or change Medicare Advantage and Part D plans.
What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage replaces Original Medicare with an all-in-one plan, often including prescription coverage, dental, vision, and wellness extras. Medigap works with Original Medicare to cover costs like deductibles and coinsurance, but does not include drug coverage.
Does Medicare cover dental, vision, or hearing in New Braunfels?
Original Medicare generally does not. However, many Medicare Advantage plans in the Seguin and New Braunfels area include routine dental, vision, and hearing benefits.
Can I switch Medicare plans if I move to or from Seguin, TX?
Yes. Moving may trigger a Special Enrollment Period, allowing you to change your plan if your coverage area changes.
What is the Medicare Part D penalty, and how can I avoid it?
If you don’t enroll in prescription drug coverage when first eligible, you may pay a lifetime penalty added to your Part D premium. Enrolling when you’re first eligible prevents this penalty.
What income levels qualify for Extra Help with Medicare Part D in Texas?
Extra Help is based on income and resources. Many seniors in Seguin and New Braunfels qualify for reduced premiums, deductibles, and copayments. Our team helps check eligibility and apply.
How much do Medicare Advantage plans cost in Guadalupe County?
Costs vary by plan but many start at $0 monthly premiums. You still pay your Part B premium, and costs for copays and services differ by provider network.
Can I keep my doctor if I enroll in a Medicare Advantage plan?
It depends on the plan’s network. We help verify if your Seguin or New Braunfels doctor accepts the Medicare Advantage plan you’re considering.
What is the Initial Enrollment Period for Medicare?
It’s a seven-month window starting three months before your 65th birthday, including your birthday month, and ending three months after. Missing this window may mean waiting for the next enrollment period.
Do you offer health insurance for people under 65 in Seguin and New Braunfels?
Yes. We provide ACA marketplace plans and private health insurance for individuals and families who are not yet eligible for Medicare.
Can I also get life insurance info through your service?
Absolutely. In addition to Medicare and health insurance, we help Seguin and New Braunfels families with term life, whole life, and final expense policies.