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Select Silva Agency, LLC

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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 😊

01/15/2026

You're likely aware that Medicare Part A (Hospital Insurance) is free for most people, but Medicare Part B (Doctor/Outpatient Services) has a monthly fee—called the Part B Premium.

What does this premium cover?

This premium is your ticket to coverage for all your day-to-day services: doctor visits, lab work, preventive screenings, and durable medical equipment (like walkers or wheelchairs).

How is it typically paid?

For most beneficiaries, the process is seamless and automatic:
The premium is automatically deducted from your monthly Social Security benefit (or Railroad Retirement Board benefit) check. You don't usually have to worry about paying a separate bill!

Heads up: If you have a higher income, you may pay a higher premium amount (called IRMAA). If you don't receive Social Security benefits, you'll receive a bill directly from Medicare.

Do you prefer having your Part B premium deducted automatically, or would you rather pay a bill directly? Tell us in the comments! 👇

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.

01/13/2026

If you or a loved one needs to go to a short-term rehabilitation center after a health event, Medicare Part A can cover the costs. But there's a crucial rule everyone needs to know to get that coverage: the 3-Day Rule.

Here’s the simple breakdown:

• The Requirement: To qualify for Part A coverage at the short-term rehab center, you must first have a medically necessary stay in a hospital as a formal INPATIENT for at least three consecutive days.

• The Big Catch: Time spent in the hospital under "Observation Status"—even if it's 3 days or more—does NOT count toward this rule! You must be officially admitted as an INPATIENT.

This difference is one of the most confusing things about Medicare. If you aren't absolutely sure of your status, always ask the hospital staff: "Am I admitted as an INPATIENT?"

What is the most valuable piece of advice you’ve ever received about preparing for a hospital stay? Share your tip below! 👇

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.

01/12/2026

We talked about Part A (Hospital) last week. Now let's look at Part B—your Medical Insurance. This is the coverage you use most often for routine care!

Think of Part B as your day-to-day doctor coverage and services you receive as an outpatient:
✅ Doctor visits and specialist appointments
✅ Lab tests and X-rays
✅ Preventive screenings
✅ Ambulance services

The important number to remember is 80/20. After you meet your annual Part B deductible, Medicare becomes your partner:
👉 Medicare generally pays 80% of the approved cost.
👉 You are typically responsible for the remaining 20% coinsurance.

This 20% can add up quickly, which is why most people look for a Medicare Advantage or Medigap plan to help cover that portion!

What is the most important appointment you've already scheduled for 2026 (like your Annual Wellness Visit or a specialist)? Share your appointment type below! 👇

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.

01/09/2026

If the four parts of Medicare feel like alphabet soup, let’s start with the foundation: Part A is your Hospital Insurance.

Think of Part A like a Safety Net for the Big Stuff. It's there to protect you from the immense costs associated with inpatient care.

What does Part A cover?
👉 Hospital stays (when formally admitted)
👉 Skilled Nursing Facility (SNF) care after a hospital stay
👉 Hospice care and some home health services

The best part? For most people, Part A has no monthly premium because you already paid for it through your work taxes!

💡 Remember: While Part A coverage is generous, you still have a deductible for each benefit period before coverage kicks in. This is why having additional coverage (like a Medicare Advantage plan or Medigap) is often crucial!

✅ What is the most confusing Medicare term you've heard recently? Share it in the comments, and we'll try to decode it! 👇

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.

01/08/2026

Understanding "In-Network" vs. "Out-of-Network" is one of the easiest ways to save money on your Medicare Advantage plan!

Imagine your health plan is a private club that has negotiated a special, bulk rate for all of its members:

🩺 IN-NETWORK Providers: These doctors and hospitals have signed an agreement with your "Club." They accept the discounted rate, which means you pay the lowest possible copay or coinsurance. (Always your cheapest option!)

🩺 OUT-OF-NETWORK Providers: These doctors haven't signed the agreement. They can charge the full, undiscounted price for their services. Your plan may not cover the cost at all, leaving you responsible for a much higher bill.

The golden rule: To save money and avoid surprise bills, always confirm your doctor is IN-NETWORK before you go!

What is the easiest way you've found to check if a provider is in-network? (E.g., "I call the doctor's office!") Share your tip below! 👇

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.

01/06/2026

If you take a medication daily or regularly, January 1st means it’s time to make sure you avoid any new-year hiccups! With the new year, your Part D Prescription Drug Plan has officially updated.

Even if you kept the same plan, it's smart to do a quick check-up on your first refill:

💊 Confirm Coverage: Did your pharmacy process the refill using your new 2026 plan ID? The cost (copay or deductible amount) should align with your new benefit summary.

💊 Don't Wait Until the Last Minute: If you need a refill on the 5th, call the pharmacy on the 1st or 2nd. This gives them time to troubleshoot any electronic enrollment delays with your new carrier.

A little planning now prevents a big headache later! We're always here to help you troubleshoot pharmacy issues if they arise.

What is the most important thing you always keep handy near your phone (like a calendar, notepad, or pet picture) for quick access? Share your essential item! 👇

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.

01/05/2026

The calendar isn't the only thing that resets on January 1st—your Medicare plan's deductible does too!

What exactly is a deductible?

Think of your deductible like a piggy bank you have to fill before your plan starts paying its share.

👉 You pay the costs for certain services (like Part D prescriptions or certain Part B services) out-of-pocket until you hit that pre-set deductible amount.

👉 Once you've "filled the piggy bank," your plan steps in to cover its portion, and your costs drop significantly (usually down to just a copay or coinsurance).

This is a totally normal and expected part of your plan! If you have questions about where you stand or how much your deductible is for 2026, check your plan documents or ask us!

If you could magically eliminate one healthcare cost, which would it be: the deductible, the copay, or the premium? Tell us in the comments! 👇

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.

01/03/2026

The calendar has turned, and your new 2026 Medicare plan is officially active! Think of today like the first day of school—a fresh start, but you need to make sure you have your homework ready!

To ensure a smooth start to the year, here is a quick 3-step checklist:

1️⃣ Check Your P*P: If you switched plans, quickly call your Primary Care Physician's office to confirm they have your new 2026 plan ID on file. This prevents billing mix-ups!

2️⃣ Test the Pharmacy: If you take daily medications, check your first refill today. This confirms the pharmacy has your new Part D coverage loaded correctly.

3️⃣ Find Your ID Card: Put your new ID card in your wallet now! Tuck the old one away. You need the 2026 card for all appointments moving forward.

Take a few minutes now to ensure your benefits are ready to go. We're here to help troubleshoot if anything goes wrong!

What is the first healthy action you plan to take with your new 2026 benefits? You could book your free Annual Wellness Visit! Share your goal! 👇

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.

01/01/2026

Remember the excitement of turning the calendar page to a brand new year? It always feels like a fresh start—a chance to focus on what matters most!

As of today, January 1st, your new Medicare plan and benefits are officially active for 2026! We're thrilled for you to begin maximizing your coverage this year.

Our goal is simple: to make sure you feel confident and cared for every single month, not just during enrollment season.

Cheers to a healthy, happy, and prosperous 2026! We're here when you need us.

✅ What is the one small, positive word you're choosing to guide your 2026? Share your word (like 'Health' or 'Peace') in the comments! 👇

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.

12/30/2025

As 2025 draws to a close, we want to pause the paperwork and the health benefits talk for a moment to simply say thank you.

We know that choosing a Medicare plan and finding a trustworthy advisor is one of the biggest decisions you make each year. Every time you choose to work with us, it’s a privilege, and we don't take your trust lightly.

We are truly grateful for the opportunity to serve you and help you navigate your healthcare journey.

Wishing you a healthy, happy, and prosperous 2026! We look forward to being your resource in the new year.

What is the one thing you are most looking forward to doing in the new year? Share your excitement below! 👇

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.

12/29/2025

We know that during the enrollment season (and all year!), the scam calls can ramp up. Your Medicare number is valuable, and criminals are always trying to trick you into sharing it.

Here is the most important rule we can share:
👉 Medicare, the government, and your trusted agent will NOT call you unexpectedly and ask you to confirm or provide your full Medicare ID number or bank details.

If someone calls claiming you need a new card, a refund, or to verify your account to keep your benefits, hang up immediately.

They may sound friendly, but the truth is: your Medicare information should only be shared with your doctor, your pharmacy, or the agent you called yourself.

The best defense is to be aware!

Since we’re thinking about unwanted calls... what is one fun thing you do to avoid answering the phone during the holidays? (Maybe you blame the carolers or a sudden need for cocoa!) Share your trick in the comments! 👇

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.

12/27/2025

It's natural to look forward as the year ends—maybe you're excited about the holidays or planning a trip in the new year! In Medicare, we're looking forward to some important, helpful changes coming in 2026 that will bring BIG savings for many people.

Thanks to recent policy changes, here are two of the biggest pieces of good news starting January 1st:
Prescription Drug Cap: Your annual out-of-pocket cost for covered Part D prescription drugs will be capped at $2,100 for the entire year! This is a massive financial protection for anyone who relies on expensive medications.
Insulin & Vaccines: The $35 monthly cap on insulin and free recommended adult vaccines (like Shingles and Flu) will continue—keeping essential care very affordable.

These changes are designed to put more money back in your pocket and provide peace of mind. Your agent's job is to help you use these new benefits to their fullest!

If you could spend the money you saved on one fun thing, what would it be? Tell us in the comments! 👇

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
Road , TX
78216

Opening Hours

Monday	9am - 6pm
Tuesday	9am - 6pm
Wednesday	9am - 6pm
Thursday	9am - 6pm
Friday	9am - 6pm
Saturday	9am - 3pm

Telephone

+18304887670

Website

http://www.selectsilva.com/

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