What are the opening hours?

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

Select Silva Agency, LLC, 5525 Blanco Road , Ste. #103 Castle Hills TX, Road, TX (2026)

01/30/2026

Many people believe Medicare changes only happen during the Annual Enrollment Period in the fall. That’s not always true.

There are specific situations that allow you to make changes outside of AEP. These are called Special Enrollment Periods, or SEPs.

You may qualify for an SEP if you experience a life change like one of these:

• You move to a new address that changes your plan’s service area
• You lose other coverage such as employer or retiree health benefits
• Your plan changes its contract with Medicare or leaves your area
• You qualify for Extra Help or Medicaid or your eligibility status changes
• You return to the U.S. after living abroad
• You were given incorrect or misleading information that affected your enrollment

SEPs are time sensitive and very specific. The type of change determines what you can do and how long you have to act.
That’s why guessing can be costly.

If something in your life has changed and you are wondering whether you can adjust your coverage, start by asking. A quick review can tell us whether an SEP applies and what your next step should be.

Message me if your situation has changed and you want to check whether you qualify for a Special Enrollment Period.

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.

01/29/2026

If something doesn’t feel right with your Medicare coverage, such as a denied service, a billing issue, or a decision you don’t agree with, you do have options. And you don’t have to figure them out alone.

Here’s the most important thing to know. Your agent should be your first step.

Before you spend hours on the phone or submit paperwork blindly, reach out to me. Many issues can be clarified, corrected, or properly escalated once we review what’s happening.

Here’s how the process usually works:

➡️ Start with your agent
We’ll review the issue together and confirm whether it’s a misunderstanding, a billing error, or something that truly requires an appeal or complaint.

➡️ Understand your rights and timelines
Appeals and complaints have specific steps and deadlines. Knowing which path applies to your situation matters.

➡️ Submit the request correctly
Whether it’s an appeal, meaning you disagree with a coverage decision, or a complaint, meaning you have concerns about service or plan operations, I can help you understand where and how to file it properly.

You deserve clarity, fairness, and support when questions come up. My role is to help you navigate the process calmly and confidently, not just during enrollment, but all year long.

If you’re frustrated or unsure about a decision, message me first and we’ll take the right next step 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.

01/27/2026

Medicare includes a valuable benefit that many people overlook: the Annual Wellness Visit (AWV). And yes — it’s free.

Here’s what to know:

The Annual Wellness Visit is not a physical exam. Instead, it’s a yearly planning visit with your doctor or care provider focused on prevention and long-term health.

During your AWV, you typically review:
• Your health history and risk factors
• Current medications
• Preventive screenings you’re eligible for
• Health goals and safety planning for the year ahead

This visit helps you and your provider get on the same page before small concerns become bigger issues. It’s one of the easiest ways to stay proactive with your health — at no cost to you.

Why book it now? Appointments fill up quickly, and scheduling early helps ensure you don’t miss out on this free benefit for the year.

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.

If you’re unsure whether you’ve already had your Annual Wellness Visit or want help preparing for it, I’m happy to walk you through the details.

Save this post as a reminder, or message me if you want help confirming your eligibility or scheduling your visit.

01/26/2026

One of the most overlooked parts of Medicare? Many preventive services are covered at no cost to you. No copays. No deductibles. No surprise bills.

These visits and screenings are designed to catch issues early and help you stay healthy, not just treat problems later.

Here are some common preventive services Medicare covers 100% when eligibility guidelines are met:

Annual Wellness Visit (AWV)
A yearly planning visit with your provider to review health risks, medications, and preventive goals. This is not a physical exam.

Many cancer screenings
Including screenings for breast, colorectal, cervical, and prostate cancer (frequency and eligibility rules apply).

Cardiovascular screenings
Such as cholesterol and blood pressure checks.

Diabetes screenings and education
For those who qualify based on risk factors.

Bone density tests
To help screen for osteoporosis.

Certain vaccines
Including flu, COVID-19, hepatitis B (for those at risk), and others covered under preventive guidelines.

Preventive care is one of the smartest ways to use your Medicare benefits. Skipping these free services often leads to higher costs and bigger problems later.

If you’re unsure what preventive care you’re eligible for this year or want help scheduling the right visits, I’m happy to help you sort it out.

Save this post for reference, or message me if you want help reviewing which free preventive services apply to you.

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.

01/23/2026

The start of a new year is a great time to remember one of the most convenient tools in your health coverage: telehealth.

If you’re feeling under the weather, need a quick follow-up, or have a simple question for a provider, many plans allow you to schedule a virtual visit from home. No waiting room, no driving, and no rescheduling your entire day.

A few helpful reminders as you head into the new year:

• Telehealth visits are typically scheduled through your plan’s website or app
• Some providers also offer virtual visits directly through their own offices
• Coverage and copays can vary, so it’s always smart to confirm before your appointment

Telehealth can be a simple way to stay on top of your health while saving time and energy.

If you’re not sure how to access your virtual visit options or want help checking your coverage, message me and I’ll walk you through 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.

01/22/2026

You've probably heard the terms "Medicare" and "Medicaid," and while they both offer health coverage, they serve very different purposes! Knowing the difference is key to understanding your benefits.

Think of it this way:

MEDICARE:
WHO IT'S FOR: Primarily for people 65 or older, or those with certain disabilities, regardless of income.
WHAT IT IS: A federal health insurance program.
THE FOCUS: Provides coverage for hospital, medical, and prescription drug costs.

MEDICAID:
WHO IT'S FOR: Primarily for individuals and families with low income and limited resources.
WHAT IT IS: A state and federal program.
THE FOCUS: Helps with medical costs for those who meet specific income guidelines.

Where they meet? Dual Eligibility! Some people qualify for both Medicare and Medicaid ("dual eligible"), and these individuals often receive the most comprehensive benefits, sometimes including help with premiums and out-of-pocket costs.

If you think you might qualify for Medicaid, it’s definitely worth looking into!

✅ Quick Question: What's one surprising benefit you've discovered about your health coverage that you didn't expect? Share it 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.

01/20/2026

You've likely heard of IRMAA, or the Income-Related Monthly Adjustment Amount. This is one of the most confusing parts of Medicare, but the concept is simple: it's a surcharge added to your Part B and Part D premiums if your household income is above a certain threshold.

It’s one of those “special rules” that don’t feel that special: if your income is higher, you have to pay in a little more to help cover the costs of Medicare.

Here are the two key things you need to know:
1️⃣ It's Based on a Look-Back: The cost of your Medicare premiums for 2026 are based on the Modified Adjusted Gross Income (MAGI) you reported on your tax returns for 2024. There’s always a two year look-back.

2️⃣ There are "Cliffs": The surcharges increase in tiers. Just making $1 over a threshold can bump you into the next, more expensive bracket.

If you've recently had a life-changing event (like retirement or the death of a spouse) that drastically lowered your income, you may be able to appeal this surcharge using Form SSA-44!

If you could simplify one confusing government form, which one 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.

01/19/2026

These two terms sound similar, but knowing the difference is key to understanding your healthcare budget! Both are ways you share the cost of care with your Medicare plan.

Here is the simple breakdown:

🤓 COPAYMENT (Copay): This is a FIXED DOLLAR AMOUNT you pay at the time of service.
• Example: You pay a flat $20 to see your primary care doctor, regardless of how much the visit costs. Copays offer predictability!

🤓 COINSURANCE: This is a PERCENTAGE of the cost you pay for a service.
• Example: After meeting your deductible, you may pay 20% of the bill for a certain lab test, and your plan pays the other 80%. This amount can vary based on the service's total cost.

The Golden Rule: Copays are predictable dollar amounts, and Coinsurance is your share of the percentage. Check your plan's Summary of Benefits to know when you pay which!

What is the one health term you wish someone had explained to you sooner? Share it 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.

01/17/2026

Many people think a Medicare agent’s job ends when enrollment season wraps up. In reality, that’s when some of the most important support begins.

An agent is not just there to help you choose a plan. We are here to help you use it as intended.

Here’s what that looks like throughout the year:

Advocacy
If something doesn’t feel right, such as a denied service, a billing issue, or confusion about coverage, your agent helps you understand what’s happening and what your options are.

Troubleshooting
From prescription changes to provider network questions, issues pop up outside of enrollment. Having someone who knows the system can save you hours of frustration.

Guidance when life changes
Moves, loss of other coverage, or changes in health can all affect your Medicare options. An agent helps you understand if and when you can make changes.

Ongoing education
Medicare rules and plan details can change. Part of my role is staying informed so you don’t have to.

You deserve more than a one time transaction. You deserve a knowledgeable partner who is in your corner all year long.

Save this post as a reminder, or message me anytime you need help understanding or using your coverage.

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.

01/16/2026

If you have a Medicare Advantage plan, your Maximum Out-of-Pocket (MOOP) limit is arguably the most important number in your entire policy.

Think of your MOOP like a financial safety net.
💰 How it Works: All the money you pay for in-network deductibles, copays, and coinsurance goes toward this annual limit.

💰 The Best Part: Once you reach your MOOP limit (your safety net), your plan pays 100% of your covered medical costs for the rest of the calendar year!

Why is this critical? Because Original Medicare (Parts A & B) has no cap on what you spend. The MOOP feature is the protection that prevents a major illness or unexpected surgery from financially wiping you out.

If you don't know your plan's MOOP for 2026, grab your documents and check now!

What is the one thing you are most looking forward to taking advantage of in your 2026 coverage (like a gym membership or specific benefit)? Share it 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.

01/15/2026

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.

Select Silva Agency, LLC

01/30/2026

01/29/2026

01/27/2026

01/26/2026

01/23/2026

01/22/2026

01/20/2026

01/19/2026

01/17/2026

01/16/2026

01/15/2026

01/13/2026

Address

Opening Hours

Telephone

Website

Alerts

Contact The Practice

Shortcuts

Featured

Share

Category

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