Danny Tamez, Medicare Specialist

12/14/2025

Celebrating 15 Years of Playing Ultimate! I'm the one holding the dachshund. Advice I often give to my clients: the best health insurance you can invest in is to stay active everyday. Find an activity you enjoy doing and go for it.

10/09/2025

Come join me for a Medicare Made Simple event on Saturday, Oct. 18 at 3PM. This one is at Evergreen Senior Living in Rowlett.
You can RSVP here:

Designed to help educate folks prior to enrolling. No selling, guaranteed. Get all of your questions answered.

07/08/2025

Lately, I’ve heard from many clients worried about what’s happening in Washington and what it means for their health coverage. There’s a lot of buzz (and confusion) about the “Big Beautiful Bill” that just passed. Here’s how the bill actually affects ACA plans, Medicaid, and Medicare:

ACA (Affordable Care Act) Changes
· Open enrollment will now end December 15 instead of January 15. If you don’t have coverage be sure to start the process early.
· Auto enrollment is going away. So even if you have coverage you’ll have to reapply each year.
· Like Medicare, ACA plans will now require that applicants be U.S. citizens or legal residents for at least 5 consecutive years.
· The enhanced premium tax credits (the bigger discounts that many received from 2022–2025) will not be renewed. Starting in 2026, premiums will now be capped at 9.8% of your income, instead of 8.5%. Additionally, if you make more than 400% of the Federal Poverty Level (FPL), you’ll no longer qualify for help with premiums (this is how it was before 2022).
· Premium discounts won’t apply unless you document your eligibility up front.

Medicaid Changes
· The funding formula for Medicaid has changed. The federal government will now cover 80% of Medicaid costs (down from 90%). The states will pick up the remaining 20%.
· States can still tax healthcare providers to fund Medicaid, but the federal match will decrease gradually to 3.5%.
· States using Medicaid funds for undocumented or non-qualified residents will lose their federal match.
· Adults who are able-bodied, childless, and under retirement age must put in 80 hours a month of work, job training, or volunteer service to remain eligible.
· Coverage is being eliminated for non-citizens (legal or illegal).
· States must regularly confirm eligibility. Those whose financial situation improves may lose Medicaid unless they prove they still qualify.

Medicare Changes
· U.S. citizenship is now required to qualify for Medicare. Previously, legal residents could qualify after 5 years. Under OBBBA, only U.S. citizens are eligible. If you’re currently on Medicare as a legal resident, you’ll need to complete naturalization to stay on the program.
· More small or rural facilities can now be designated as “Rural Emergency Hospitals”, which helps bring Part A services closer to under-served areas.
· Medicare’s spending limit has been reduced by 4%. If Medicare overspends, a sequestration process kicks in. This could mean reduced payments to providers, which may impact services.

Do you have questions or concerns about these changes? Call/text me at 214.771.8545, message me through this page, or email me at [email protected].

Call now to connect with business.

11/15/2024

We're halfway through Medicare's Annual Enrollment period. If your current plan is ending, or your costs have gone up and you need help finding a new plan I can help. Prescription plans have changed dramatically this year so your current drugs may have fallen off of the formulary or increased significantly. Let me know if you need help finding a plan where those costs are covered.

Your health needs can change from year to year — so do Medicare plan costs and coverage. is your chance to compare health and drug options to find the best coverage for you. https://go.medicare.gov/3CmIIJb

05/21/2024

If you're about to turn 65, now is the best time to sign up for a Medicare Supplement or Medicare Advantage plan. I can help you understand your options and the pros and cons of each. Send m a direct message if you have questions.

05/20/2024

Getting in better shape helps you in so many ways. Doing a little everyday or a few times a week goes a long way. Start today!

03/12/2024

Make sure to get these things squared away as there are penalties if you sign up later on but skipped part B or never had a prescription drug plan in place. If you have other questions about when you enroll for a Medicare Supplement Plan or Medicare Advantage plan let me know. There are also special enrollment periods that might apply depending on your situation.

If you missed your Initial Enrollment Period, you may be able to sign up for Part A and Part B now through the end of this month during the General Enrollment Period! Find out if you qualify: https://go.medicare.gov/48CAsiT

03/07/2024

Annuities protect you from outliving your money. Most Americans now are afraid that they are going to run out of money in their retirement years.

So true. There are many benefits to owning an annuity!

03/05/2024

Well - the key is knowing God is trustworthy and faithful, but He also wants us to live wisely...

03/05/2024

Easiest way to avoid problems: talk with someone you know and trust.

Stay one step ahead of scammers! Learn common signs of scams and how to avoid them: https://go.medicare.gov/3ThUD19