We help people in Seguin and Guadalupe County with the supplemental side of health coverage — the policies that pay you cash when something goes wrong, on top of whatever major medical plan you already carry — plus Medicare Supplement (Medigap) plans for clients moving onto Medicare.
Five contracted carriers across the supplemental and Medigap lines: Mutual of Omaha (anchor for Medigap and life), Blue Cross Blue Shield, Germania Life, Cigna, and Aetna. We shop across them on every quote.
Why supplemental health matters even if you have major medical
A typical major medical plan in Texas comes with a $4,000–$8,000 family deductible plus copays, coinsurance, and out-of-network exposure. One bad year — a surgery, a cancer diagnosis, a long hospital stay — can cost $10K–$30K out of pocket even with "good" insurance.
Supplemental plans pay you cash when those events happen. The cash isn't tied to medical billing codes. You spend it however you need to: groceries, mortgage, child care, the deductible itself.
For a healthy family, the math doesn't always make sense. For households with a single income, a chronic condition in the family, or a high-deductible plan, it often does.
Disability income — the coverage most people skip
If you can't work for six months because of an injury or illness, what happens to the household budget?
Most working adults have life insurance for the worst case. Far fewer have disability coverage for the much-more-likely case. Disability income insurance pays a percentage (usually 50–70%) of your salary while you're out of work.
Worth a fifteen-minute conversation, even if you decide it's not for you.
Long-term care — the conversation no one wants
Roughly 70% of Americans 65+ will need some form of long-term care. Medicare doesn't cover it. Medicaid only kicks in after you've spent down most of your assets.
A long-term care policy is the financial bridge. The right time to get one is in your fifties or early sixties — premiums climb fast after that and underwriting tightens.
We won't push it. We will explain it honestly so you can decide.