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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 😊

05/02/2026

Let's start with one of the most common myths I hear. ⬇️

"I've been paying into Medicare my whole life, so it's free when I turn 65, right?"

Not exactly.

Here's what's actually true:

Part A (hospital coverage) is free for most people, yes. If you or your spouse worked and paid Medicare taxes for at least 10 years, you've earned that.

But Part B? That comes with a monthly premium. In 2026, the standard amount is $203 a month. And depending on your income, it could be higher.

Then there are deductibles, copays, and coinsurance on top of that.

Medicare is absolutely worth it.
But "free" isn't the right word.

The good news? There are ways to fill in those gaps and keep your costs predictable. That's exactly what I help people figure out.

Have questions about what Medicare will actually cost you?

DM me the word MEDICARE and I'll help you run the numbers!

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.

05/01/2026

Welcome to Myth Busting May. 👋

All month long, I'm breaking down the biggest Medicare myths I hear. And trust me, there are a lot of them.

Here's the thing: most people come into Medicare assuming it works like regular health insurance. You pay your premium, you're covered, done.

Not exactly.

Medicare has gaps. Real ones. And when people don't know about them ahead of time, it can lead to some really unpleasant and expensive surprises.

So for the next 31 days, I'm going to walk through the most common misconceptions, one by one, so you actually know what you're working with.

As an agent, these are the questions I get every single week.

First myth drops tomorrow. You might be surprised. 👀

Be sure to follow along so you don't miss a single one!

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.

04/30/2026

We made it to the end of April! 🎉

If you’ve been following along this month, you now know more about Medicare than most people do before they enroll.

You know about the enrollment window.
You know about the penalty that doesn’t go away.
You know about Part D and how plans can vary.
You know that not every plan includes every doctor.

That’s not small information.

So here’s something to think about as we close out the month.

Who in your life is turning 65 this year?

A spouse. A sibling. A coworker. A neighbor. Someone you see every week who mentioned retirement is coming up.

Send this to them. It might save them from a decision they didn’t even realize they needed to make.

Because that first call matters more than most people think.

📲 Share this with someone who needs it, or send me a message if you have questions. I’m always here to help.

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.

04/29/2026

Great time supporting our seniors and veterans at The New Braunfels Senior and Veteran Expo today! 🇺🇸❤️

04/29/2026

I want to paint a picture for you.

Someone turns 65 this year.

They’re busy. They feel fine. Medicare feels complicated, and it keeps getting pushed to the bottom of the list.

So they wait.

A few months later, something changes. A diagnosis. A new prescription. A specialist they need to see.
Now they’re scrambling to enroll. And they’re finding out that waiting came with a price they didn’t expect.

A permanent penalty on their premium.
A gap in coverage.
A plan chosen in a hurry that doesn’t include their doctor.

This isn’t a rare situation.
It happens every single day.

The difference between that story and yours can come down to one simple conversation.

📲 If Medicare is on your radar this year, send me a message or share this with someone who needs to see 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.

04/28/2026

Here’s something nobody really talks about.

Choosing a Medicare plan isn’t just a financial decision.
It’s a trust decision.

Because the person you talk to when you turn 65 is helping shape your coverage for years to come. They influence which doctors you can see, which medications are covered, and how much you pay when something happens.

That’s not a decision to make based on a TV commercial. Or a piece of mail. Or a secondhand recommendation.

You deserve someone who takes the time to understand your situation and is there when you have questions later.
Someone who answers the phone.
Someone who helps you make sense of it.
Someone who doesn’t disappear after enrollment.

That kind of support makes all the difference.

📲 If you’re turning 65 this year or helping someone who is, send me a message or share this with someone who needs 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.

04/27/2026

In my line of work I hear some things.

"I figured Medicare was like regular insurance. You just pick the cheapest one."
"My neighbor said I don't need Part D if I'm healthy."
"I saw a commercial that said I could get my gym membership covered for free so I went with that one."
"I thought my Medicare card was coming in the mail. It's been six months."

I say this with so much love.
Please stop taking Medicare advice from commercials, neighbors, and assumptions.

That's what I'm here for.

No judgment. No lecture. Just the right information before it costs you.

Drop your Medicare question in the comments. I read every single one.

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.

04/24/2026

I want to tell you about a conversation I have more often than I should.

Someone calls me. They turned 65 a year ago. Maybe two. They thought they had more time. Or they didn’t realize the clock was already ticking.

And now they’re facing a permanent penalty on their Medicare premium that follows them for the rest of their life.

There’s no appeals process for not knowing.
There’s no grace period for good intentions.
The deadline is the deadline.

And the hardest part of that conversation isn’t explaining the penalty.

It’s watching someone realize that one conversation a few months earlier could have changed everything.
You still have time to be ahead of it.

If you or someone you love is turning 65 in the next 12 months, don’t wait until it feels urgent.
It already is.

📲 If you have questions or want to make sure you’re on track, send me a message or share this with someone who needs 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.

04/23/2026

Let's talk about the conversation that almost never happens until it's already a problem.

You turn 65. You get your Medicare sorted. You feel good about it.
But your spouse is 62.

And the employer plan you've both been on for the last decade? It just ended because you retired.
Now what?

This is the coverage gap that blindsides couples every single day. Because when you leave employer coverage your spouse doesn't automatically have a safety net. They need their own plan until they reach Medicare eligibility at 65.

And that gap can be anywhere from a few months to several years.

The cost of coverage during that window varies wildly depending on age, health, and what's available in [STATE]. And it needs to be part of your Medicare planning conversation from the very beginning.

Not an afterthought.
Not something you figure out after you've already enrolled.

I look at the whole picture when I sit down with a client. That means your coverage AND your spouse's.

Because a plan that works for one of you but leaves the other exposed isn't really a plan at all.

Book a free call and let's look at the full picture together.

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.

04/22/2026

I hear this one all the time. ⤵️

“My friend has that plan and she loves it.”

And I believe her. I really do.
But here’s what I also know.

Her doctors are not your doctors.
Her medications are not your medications.
Her budget is not your budget.
And her health history is not your health history.

Medicare isn’t a one-size-fits-all decision. It’s one of the most personal financial decisions you’ll make.

The plan that works perfectly for someone else could be completely wrong for you. And the only way to know the difference is to actually look at your situation with someone who understands what to look for.

That’s the kind of conversation that makes all the difference.

Not “here’s the most popular plan.”
“Here’s what makes the most sense for you.”

📲 If you want a second opinion or have questions about your options, send me a message or share this with someone who might need 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.

04/21/2026

This is the one that gets healthy people.

You're turning 65. You feel great. You're not on any regular medications. So you look at Part D prescription drug coverage and think why would I pay for something I don't need?

Here's why. ⤵️

The moment you skip Part D without qualifying coverage you start accruing a late enrollment penalty. Every single month you go without it.

And here's the thing about being healthy at 65.

👉 Things change.

One diagnosis. One surgery. One prescription that costs hundreds of dollars a month without coverage.

Suddenly that Part D plan you skipped doesn't seem so optional anymore. And now you're paying a penalty on top of your premium for the rest of your life.

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.

The monthly cost of a Part D plan is often less than a single copay.

It's not about what you need today.
It's about protecting yourself from what you might need tomorrow.

Send this to someone turning 65 who thinks they don't need Part D.

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.

04/20/2026

There is a very specific face people make when I explain the Medicare late enrollment penalty...

You know the one.

It starts as confusion. Then it shifts to "wait, are you serious." Then it lands somewhere between mild panic and genuine frustration.

Because nobody told them.

Not their HR department. Not their financial advisor. Not the Medicare website that somehow makes everything harder to understand than it needs to be.

Just me. Sitting across from them. Watching it all click into place.

The good news is that face never has to be yours.

Because you're here. Reading this. Getting ahead of it.

That's exactly what I'm here for.

📲 Save this post. Then call me before that window closes.

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

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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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