WELCOME TO TEXAS POWER INSURANCE

YOUR TRUSTED MEDICAL ADVISORS

Are you ready to take charge of your health and well-being?

YOUR HEALTH IS OUR PRIORITY

Our mission at Texas Power Insurance Agency is to provide comprehensive and accessible insurance solutions for individuals under 65 with Individual and Family Healthcare coverage and those 65 and older or qualifying Medicare beneficiaries.

Meet Jessica Lopez

Texas Power Insurance Founder

With over 17 years of experience in the Insurance Industry, I've honed my skills and expertise, particularly in the Medicare sector, for the past decade. Throughout my career journey, I've worn various hats, gaining invaluable insights and versatility in navigating the complexities of the industry.

As a seasoned professional, I'm adept at guiding individuals through the intricacies of healthcare options. Whether it's clarifying coverage details, demystifying policy jargon, or facilitating informed decisions, my goal is to empower others with knowledge and confidence in their healthcare choices.

Here is how I can help you

At Texas Power Insurance, we offer a comprehensive range of services to help you make the most of your Medicare benefits. Whether you're looking for coverage options, prescription drug plans, or assistance with enrollment, our experienced team is here to guide you every step of the way.

Affordable Care Act (ACA)

Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

MediCare

Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

Life Insurance

Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.

Medicare Advantage Plans:

Explore our selection of Medicare Advantage plans that offer all-in-one coverage for your medical and prescription drug needs.

Medicare Supplement Insurance:

Enhance your Medicare coverage with our Medicare Supplement insurance plans, designed to fill the gaps left by Original Medicare.

Prescription Drug Plans (Part D):

Find the right prescription drug coverage for your needs with our range of Medicare Part D plans.

Medicare Enrollment Assistance:

Confused about Medicare enrollment? Our knowledgeable advisors are here to simplify the process and ensure you get the coverage you need.

Medicare Education Workshops:

Attend one of our Medicare education workshops to learn more about your coverage options and make informed decisions about your health care.

Here is what recent customer had to say after working with Jessica.

I can't say enough good things about Jessica Lopez from Texas Power Insurance. From the moment I reached out to her for assistance with my insurance needs, she displayed the utmost professionalism and knowledge in the field.

Jessica went above and beyond to ensure that I understood all the intricacies of my insurance policy. She patiently explained each coverage option and helped me choose the best plan that suited my needs and budget.Throughout the entire process, Jessica's responsiveness was exceptional. She promptly answered all my questions and concerns, providing me with peace of mind and confidence in my policy.

Thanks to Jessica's expertise, I now have a comprehensive insurance plan that gives me the protection and coverage I need. I feel secure knowing that she has my best interests at heart.

I highly recommend Jessica Lopez to anyone in need of an insurance agent. Her dedication, professionalism, and personalized approach make her a standout in the industry. Working with her has been an absolute pleasure!

- Ludy

Houston, TX

Frequently Asked Questions

What are the different parts of Medicare, and what do they cover?

  • Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

  • Part B (Medical Insurance): Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

  • Part C (Medicare Advantage): An alternative to Original Medicare that offers all Part A and Part B coverage and sometimes includes additional benefits like dental, vision, and prescription drugs.

  • Part D (Prescription Drug Coverage): Adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service plans, and Medicare Medical Savings Account Plans.

How do I know if I am eligible for Medicare, and when can I enroll?

Individuals are eligible for Medicare if they are 65 or older, younger than 65 with certain disabilities, or any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).

There are specific enrollment periods, such as the Initial Enrollment Period (IEP) around their 65th birthday, the General Enrollment Period (GEP) from January 1 to March 31 each year, and the Special Enrollment Period (SEP) under certain conditions like losing employer coverage.

What is the difference between Original Medicare and Medicare Advantage?

Original Medicare includes Part A and Part B. Patients can see any doctor or hospital that accepts Medicare in the U.S. Medicare Advantage (Part C) plans are offered by private companies approved by Medicare and may have network restrictions, meaning you must see doctors and hospitals within the plan’s network. These plans often include extra benefits like dental, hearing, and vision care.

Do I need additional coverage beyond Original Medicare?

Many people choose to buy additional coverage, such as a Medicare Supplement Insurance (Medigap) policy to help pay some of the remaining health care costs like copayments, coinsurance, and deductibles. Another option is Part D for prescription drugs if not included in their Medicare Advantage plan.

How much does Medicare cost?

The cost of Medicare varies. Part A is usually premium-free if you or your spouse paid Medicare taxes for a certain amount of time. Part B has a standard monthly premium, which could be higher based on your income. Medicare Advantage and Part D plans have varying premiums depending on the plan chosen. There are also deductibles and copays to consider.

What does Medicare not cover?

Medicare does not cover everything. Items and services generally not covered include long-term care, routine dental or eye care, dentures, cosmetic surgery, acupuncture, hearing aids, and exams for fitting them. It’s important to know these gaps to plan for additional coverage if needed.

Can I change my coverage if my needs change?

Yes, during the Annual Election Period (October 15 to December 7 each year), you can make changes to various aspects of your coverage, including switching from Original Medicare to Medicare Advantage or vice versa, switching between Medicare Advantage plans, or adding/dropping Part D coverage.