Silver and Secure

Silver and Secure Health Insurance for those eligible for Medicare, those who are self-employed or without insurance we can help you understand the choices you face.

I'm Jill Bullock, a Licensed Insurance Agent and the founder of Silver and Secure, based in Spring Branch, Texas. With a commitment to honesty, integrity, and personalized service, I specialize in helping Texans navigate the complexities of health insurance. Whether you're an individual, family, or small business, I offer tailored solutions including Medicare Advantage, Medigap, Marketplace, and private health plans. My mission is to make health insurance accessible, understandable, and affordable, providing ongoing support every step of the way.

02/04/2026

Prescription Mistakes That Cost Seniors Money

Common issues include:

Not checking generic alternatives
Using only one pharmacy without price comparison
Skipping annual medication reviews
Paying cash when coverage or discounts exist

Periodic reviews reduce cost and side effects.

02/02/2026

How to Prepare for Doctor Visits So You’re Heard

A short written list improves medical appointments.

Include:
Your top concerns
When symptoms started
Medication or supplement changes

Clear communication improves outcomes and reduces rushed decisions.

01/30/2026

It’s Not “Too Late” to Improve Your Health

Meaningful improvement doesn’t require extreme changes.
It requires steady, realistic habits.

Small gains in movement, nutrition, sleep, and stress management can improve quality of life at any age.

Progress is about consistency — not perfection.

01/28/2026

Scams Targeting Seniors Are Becoming More Convincing

Scammers now impersonate:

Medicare
Pharmacies
Banks
Utility companies
Even family members

Red flags:

Urgency (“Act now or lose coverage”)
Requests for personal or banking info
Threats or pressure

If something feels rushed or emotional, pause before responding.
Legitimate organizations won’t pressure you into instant decisions.

01/26/2026

Most People Overpay Medical Bills Without Realizing It

Many people assume medical bills are automatically correct. They often aren’t.

Common issues include:

👉Duplicate charges
👉Services billed that weren’t provided
👉Coding errors that increase costs
👉Insurance adjustments applied incorrectly

A simple habit: compare your Explanation of Benefits (EOB) with your provider bill before paying.

Many people assume medical bills are automatically correct. They often aren’t.

Today we recognize Martin Luther King Jr. (1929–1968), a Baptist minister and leader of the U.S. Civil Rights Movement.D...
01/19/2026

Today we recognize Martin Luther King Jr. (1929–1968), a Baptist minister and leader of the U.S. Civil Rights Movement.

Dr. King is best known for his commitment to nonviolent protest, his leadership during the Montgomery Bus Boycott, and his role in advancing the Civil Rights Act of 1964 and Voting Rights Act of 1965. His “I Have a Dream” speech remains one of the most influential moments in American history.

MLK Day honors his legacy and the ongoing work toward equality and justice.

01/16/2026

One last reminder for the week of "cleaning house" -
Retirement Planning Is Ongoing, Not One-and-Done
Life changes. Laws change. Health changes.
A plan created 10 years ago may no longer match today’s reality.
Regular reviews help align:
• Income sources
• Healthcare strategy
• Estate planning
• Beneficiary updates
Retirement planning isn’t about predicting the future—it’s about staying prepared for it.

01/15/2026

our Kids Shouldn’t Be Your Backup Plan
Most adult children want to help—but few are financially or emotionally prepared to support aging parents long-term.
Planning ahead helps ensure:
• Your care choices are yours
• Your finances stay intact
• Your family relationships stay healthy
Independence doesn’t happen by accident.
Long-Term or Short-Term Care policies will take a load off your loved ones.

01/14/2026

Retirement Risk Isn’t Just Market Risk
Most people focus on investment returns—but the bigger risks are often:
• Healthcare costs
• Long-term care needs
• Taxes in retirement
• Inflation over decades
A well-designed plan looks at cash flow, risk management, and protection, not just account balances.

01/13/2026

End-of-Life Planning Is an Act of Kindness
Advance directives, medical powers of attorney, and living wills aren’t about “giving up.”
They’re about not forcing loved ones to guess.
Clear instructions reduce conflict, guilt, and confusion during emotionally charged moments.
This is one of the most compassionate things you can do for your family.

01/12/2026

Avoiding Probate Isn’t About Avoiding Death
Probate isn’t just a legal process—it’s time, cost, and stress for your family.
Simple tools like:
• Proper beneficiary designations
• Transfer-on-death accounts
• Trust planning (when appropriate)
can often reduce or eliminate probate entirely.
Small steps now can spare your family major complications later.

01/09/2026

The Hardest Retirement Question
A question I encourage people to ask (even if it’s uncomfortable):
What happens if I live longer than expected?
Longevity is a gift—but it also means higher lifetime medical costs, inflation risk, and the possibility of cognitive decline.
Planning isn’t about fear. It’s about maintaining independence and dignity.
The sweet spot for purchasing a Long-Term Care policy is between 60-70. The longer you wait, the more expensive it becomes. There are also Short-Term Care policies that will help, but have limits.

Address

Spring Branch, TX

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 5pm
Thursday 9am - 6pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Silver and Secure posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Practice

Send a message to Silver and Secure:

Shortcuts

Featured

Share

Share on Facebook Share on Twitter Share on LinkedIn
Share on Pinterest Share on Reddit Share via Email
Share on WhatsApp Share on Instagram Share on Telegram

Category