★★★★★
5-star Google reviews
Insurance agent · Rio Grande Valley
Medicare help from a person who picks up.
I'm Erick Vallarino. When you call, you get me, not a call center. We can sit down at your kitchen table or at an office near you, in English or Spanish, and my help costs you nothing.
Rather I call you? Tell me the best time and I'll call you back.
Erick Vallarino
Your insurance agent, all year
English
y Español
y Español
No cost
For my help, ever.The plan pays me, not you.
NPN 20764818
Insurance Agent in TexasWhere are you starting?
Tell me where you are, and I'll take it from there.
¿Nuevo a Medicare?
I'm turning 65
Your sign-up window is 7 months long. Still working, or on your spouse's insurance? You may be able to wait. Let's check before you decide anything.
Start here →¿Ya tiene Medicare?
I already have Medicare
Plans change every year. From October 15 to December 7, I'll go over yours with you: doctors, medicines and costs, in plain words.
Review my plan →¿Ayuda a su mamá o papá?
I'm helping my mom or dad
Call with them or for them. I'll explain things to both of you, and I'll be the one they can call afterward.
Help for families →Which kind of plan fits you?
Medicare Advantage
Want one plan and one card for your Medicare?
For 2027, most plans here include dental, vision and hearing benefits. Plans with these benefits are offered in the Valley by companies I'm contracted with: Aetna Medicare, HealthSpring, Humana, Prominence Health Plan, UnitedHealthcare and Wellcare.
What I check for you →Medicare Supplement
Want a plan where you can see any doctor who takes Medicare?
It costs more each month: its own premium on top of your Part B premium, plus a separate drug plan. In return, your costs are easier to plan for, and I compare prices for you.
How I shop supplements →Other coverage
Not on Medicare?
You can still call me. I also help with life insurance and final expense, hospital and cancer policies, and care after a hospital stay.
See other coverage →What people call me for
Signing up is the start. This is the rest of the job.
I got a bill for thousands of dollars and I don't know why.
I get on the phone with the plan and the hospital, with you. One client had a $5,000 bill over a records mix-up. We cleared it.
Is this doctor in my network?
I look it up before you go, not after the bill comes. And before you pick a plan, I check your doctors and hospital are in it.
Where can I get my medicine the cheapest?
I check the pharmacies in your plan, and mail order, and tell you which one costs you less.
Something came in the mail about my Medicare. Is it real?
Most of that mail is someone trying to make a sale. Send me a picture. I'll tell you if it's real.
My Medicaid letter says it's ending. What about my Medicare plan?
The state decides who qualifies, and I don't work for the state. I'll tell you who to call there, and check that your Medicare plan still fits.
My plan says things are changing next year.
Every year we go over what changes for you, in plain words. If your plan still fits, I'll tell you to keep it.
I lost my card and I need X-rays today.
I pull up your plan card on my phone and text you a copy in minutes, so you can go get it done.
How do I use what my plan gives me?
I show you how to use the benefits your plan already has, so nothing goes to waste.
A person who picks up. Or always calls back.
Not a call center, not a 1‑800 number. If I'm with a client, I call you back. Call or text, even about something small. That's what I'm here for.
How it works
Three steps, and I stay with you after.
Call or text me
Tell me what's going on. Five minutes on the phone is often enough to know what you need.
We sit down together
At your kitchen table or at an office near you. Bring your cards and your list of medicines. We go through it all.
I'm your agent all year
After you sign up, you still call me. Bills, doctors, letters, questions. You call me, not a 1‑800 number.
What my clients say
Real reviews from my clients.
★★★★★
5-star reviews on Google★★★★★
Turning 65 years old and having to find an insurance is not an easy task. Mr. Vallarino was very kind and patient with me as I had many questions. … He was by my side from the beginning to the end.
★★★★★
Mr. Vallarino is amazing! He went above and beyond to help my grandma with her Medicare options. He explained everything so clearly and made what seemed like a complicated process so much easier to understand.
★★★★★
Thank you Erick Vallarino you helped me like no other with my insurance changes. … Eres una Barra de oro Mr. Erick Vallarino!
Straight answers
I don't work for just one insurance company.
I'm an independent agent, and I work with several companies. For Medicare Advantage and drug plans, I'm contracted with Aetna Medicare, HealthSpring, Humana, Prominence Health Plan, UnitedHealthcare and Wellcare. I'll always recommend what I believe is the best fit for you, and if you're better off staying put, I'll tell you.
- Aetna
- HealthSpring
- Humana
- Prominence Health Plan
- UnitedHealthcare
- Wellcare
How do you get paid?
The insurance company pays me, not you. For Medicare Advantage and drug plans, Medicare sets a limit on what a plan can pay an agent. On a Medicare Supplement, I won't push you toward a pricier policy to earn more.
Do I have to come to an office?
No. Most people like me to come to them. Offices in McAllen, Pharr, Harlingen and Brownsville, by appointment. Call first and we'll pick a time to meet. Outside the Valley? We can talk it all through by phone or on a Zoom video call.
Will you keep calling me?
No. You call me when you need me. I don't sell your information, and I don't give it to other agents or marketing companies.
What to bring to your visit with Erick
- Bring it: Helpful for the conversation, if you have it.
- Your Medicare card
- Your medicine list or bottles
- Your doctors' names
- Your current plan card
- Letters from your plan
- No need: Not needed to review your options with Erick.
- Your bank card
- Cash
Let's talk
Rather I call you?
Leave your name and number. I'll call you myself.
Prefer to talk now?
956-564-2557
Offices in McAllen, Pharr, Harlingen and Brownsville, by appointment.