Turning 65? Reviewing your options?
Medicare made clear. A plan that fits you.
Six years and more than 800 clients later, my approach hasn't changed: I gather what matters to you, your doctors, your prescriptions, your budget, and guide you to the plan that fits. You decide. I guide.
I gather what matters to you, your doctors, prescriptions, and budget, and guide you to the plan that fits. You decide. I guide.
Call (866) 884-7890- No cost to work with me
- No pressure, ever
- Licensed in 22 states
Appointed with
- UnitedHealthcare
- Wellcare
- Devoted Health
- HealthSpring
- Aetna
- Alignment Health
- Physicians Mutual
How it works
A decision made with you, never for you.
01
We talk
A phone call to learn about you: your doctors, your prescriptions, your budget, and what you want from your coverage.
02
I do the homework
I compare the plans available in your area against your needs, so you can see your real options side by side.
03
You choose with confidence
I walk you through the trade-offs in plain language. You make the decision, I handle the enrollment and stay with you after.
Medicare coverage
Medicare coverage, in plain language.Three kinds of Medicare coverage, explained in plain language.
Medicare Advantage Plans
All-in-one coverage · Part C
Hospital, medical, and usually drug coverage bundled into one plan, often with dental, vision, and hearing extras at a low or $0 monthly premium.
Learn how it worksMedigap Plans
Medicare Supplement
Pairs with Original Medicare to cover the deductibles, copays, and coinsurance it leaves behind, with the freedom to see any doctor who accepts Medicare.
Learn how it worksPrescription Drug Plans
Standalone Part D
Adds drug coverage to Original Medicare or a Medigap plan. The right plan depends on your exact medications and pharmacy, and a yearly review pays for itself.
Learn how it worksHospital Indemnity Plans
Not a Medicare plan · Available to everyone
A supplemental policy that pays you a fixed cash benefit when you're hospitalized, a popular pairing with Medicare Advantage to offset daily hospital copays.
Lowering your costs
You may qualify for help paying for your prescriptions.
If your income and resources are limited, federal and state programs can lower what you pay for prescription drug coverage. When we talk, I check whether you may qualify, and if a program fits, I help you complete the application. My help costs you nothing.
Extra Help (the federal Low-Income Subsidy), Medicare Savings Programs, and state or manufacturer assistance can lower your drug costs if your income and resources are limited. I check whether you may qualify and help with the application, my help costs you nothing.
Eligibility is determined by the government agencies that run each program. You can also apply directly through Social Security.
A federal program through Social Security that helps pay Part D premiums, deductibles, and copays.
State-run programs that can help pay your Part B premium and other out-of-pocket costs.
Some states and drug manufacturers offer their own assistance for specific medications.
Meet your agent
Criselda Hernandez
Licensed Insurance Agent · NPN 19839394
Six years helping people navigate Medicare. My philosophy is simple: I don't pick your plan, you do. If a plan isn't right for you, I'll tell you.
More about CriseldaAnnual Enrollment Period
October 15 – December 7
The one window each year to join, switch, or drop a Medicare Advantage or drug plan. Plans change every year, and a quick review catches rising costs before they catch you.
Meet your agent
Criselda Hernandez
For six years I've helped Medicare beneficiaries navigate one of the most confusing decisions they face. I started My Insurance Specialist because this decision calls for more than a script and a sales quota.
My philosophy is simple: I don't pick your plan, you do. If a plan isn't right for you, I'll tell you, even when it would be easier not to.
Licensed Insurance Agent · NPN 19839394
Under 65? I help individuals and families, too.
ACA Marketplace coverage for the self-employed, early retirees, and families, including checking whether you qualify for savings that lower your monthly premium.
Let's find the right plan together.
No pressure, no obligation, and no cost to you, just a conversation about your needs.
or email [email protected]
Let's find the right plan together.
No pressure, no obligation, and no cost to you.
Call (866) 884-7890