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Turning 65 or New to Medicare?
Get Personal Medicare Guidance At No Cost To You
We serve seniors in Texas with personalized Medicare reviews, plan comparisons, and year-round support, always free and always simple.
Insurance Solutions We Represent
We work with trusted insurance providers to offer Medicare and supplemental plans that help protect your health and support your long-term well-being.
Medicare Advantage
Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurance companies, combining hospital, medical, and often prescription drug coverage.
Plans may include HMOs, PPOs, and Special Needs Plans (SNPs), with additional benefits like dental, vision, and hearing coverage.
Medicare Supplement
Medicare Supplement (Medigap) plans help cover out-of-pocket costs that Original Medicare doesn’t pay, such as deductibles, copayments, and coinsurance. These plans work alongside Original Medicare to provide more predictable healthcare expenses.
Prescription Drug
Part D Prescription Drug Plans help cover the cost of your medications. These plans are offered by private insurance companies and work alongside Original Medicare or some Medicare Supplement plans to reduce your prescription drug expenses.
Life Insurance
Life insurance helps ensure your family is financially protected. The policy provides a cash benefit that can help cover funeral costs, outstanding bills, and other expenses when they need support the most.
Health Insurance
Health insurance helps pay for important medical services like doctor visits, hospital care, and medications. Having the right coverage helps protect your health and your finances when medical needs arise.
Dental & Vision
Comprehensive plans are designed to cover routine healthcare services that Original Medicare does not typically include. These plans may provide benefits for dental checkups, cleanings, vision exams, eyewear, hearing tests, and hearing aids, helping you maintain your overall health and quality of life.
Critical illness
Financial protection designed to support you during major health events such as cancer, heart attack, or stroke. These plans provide a lump-sum cash benefit that can help cover medical bills, recovery costs, or everyday expenses when you need support the most.
Hospital Indemnity
These plans offer cash benefits when you are admitted to the hospital, helping with expenses such as copays, deductibles, and other costs not covered by Medicare. The benefit is paid directly to you, so you can use it however you need during recovery.
Cancer
Cancer insurance helps provide financial support if you are diagnosed with cancer. Benefits may help pay for treatments, doctor visits, medications, transportation, or other unexpected expenses during your care and recovery.
About us
Your Local Medicare Team in Texas
Choosing the right Medicare plan can be confusing, with many options and changing rules.
I help you compare plans, understand your coverage, and enroll with confidence.
My services are completely free — you pay the same premium whether you work with me or enroll on your own.
- I help clarify billing or coverage questions.
- I assist with Medicaid, Medicare Savings Programs, and Extra Help if you qualify.
- I meet with you every year to review your plan during Annual Enrollment.
- I offer ongoing support — not just a one-time enrollment.
There are dozens of Medicare plans available. Don’t risk overpaying or missing important benefits.
Erick Vallarino
Founder of Vallarino Insurance
What People Say
Customer Reviews
Thank you Erick Vallarino you helped me like no other with my insurance changes. All other assistants at Market place and ins companies like Humana, UHC, et.al. was reaffirmed. Eres una Barra de oro Mr. Erick Vallarino!
I highly recommend Mr. Vallarino. He is very knowledgeable about the different plans and helped my mother pick out her Medicaid plan the past two years. Both plans were very good and despite several visits to the hospital and her own medical emergencies, her out of pocket costs were minimal. Highly, highly recommend!.
I got my health insurance with Erick last year and he helped me to get the most affordable rate according to my budget. He is very professional. For sure, I would recommend him.
Free Resources
Access Your No-Cost Medicare Planning Guide
Learn how Medicare works, what each plan covers, and how to choose coverage that fits your doctors, prescriptions, and budget. Our guide is designed to simplify complex information and help you plan with confidence.
Latest Medicare News
Get updated with our latest blog on Medicare changes in Texas
Get timely updates on Medicare changes, enrollment deadlines, and plan options.
We break down the details so you can stay informed and make smart healthcare decisions.
Frequently Asked Questions
We provide personalized Medicare plan comparisons and enrollment assistance for individuals throughout Texas. Our services include Medicare Advantage plans, Medicare Supplement (Medigap) plans, standalone Medicare Part D prescription drug plans, and annual plan reviews. Whether you’re turning 65 in Texas or reviewing your current coverage, we help you understand your options clearly and enroll with confidence.
No. Our Medicare consultations and plan reviews are completely free for Texas residents. You pay the same premium whether you enroll on your own or work with a licensed Medicare advisor. Insurance companies compensate us directly, so you never pay for our guidance or support.
In Texas, Medicare Supplement (Medigap) plans work alongside Original Medicare (Part A and Part B) and help cover out-of-pocket costs such as deductibles and coinsurance. These plans allow you to see any provider nationwide who accepts Medicare.
Medicare Advantage plans in Texas are offered by private insurance companies and serve as an alternative to Original Medicare. Many plans include additional benefits such as dental, vision, hearing, and prescription drug coverage. Plan availability and provider networks vary by Texas county, so comparing options locally is important.
Access One-on-One Medicare Assistance Now
Don’t risk choosing the wrong coverage. Contact Three Pillars Benefits today to schedule your complimentary, no-obligation Medicare consultation.