William Hoel Insurance

10/10/2026

My office for the day, representing United Healthcare at the Country Fest in Lindale.

10/09/2026

Back at Kroger in Rockwall.
Forgot the violin when I left. Should’ve put it with the rest of my stuff, like I used to tell my students.

10/08/2026

My desk today. Yes, that’s a violin. It’s a conversation piece, and it reminds me who I am and where I’ve been.

10/01/2026

Today begins the Medicare Annual Enrollment Period, when carriers bring out their Advantage plans for 2027. I will be at the Rockwall Kroger on Ridge Road every Friday from 10:00-2:00 through the first week of December. Stop by and say hello!

10/01/2026

Happy Annual Enrollment Period! Today I can begin showing the new Medicare Advantage plans for 2027! I am representing United Healthcare at the Kroger in Allen today from 10:00-2:00. Drop by and say hi if you’re in the area.

09/19/2026

Hanging out at the Smoke Sessions Marketday. Medicare Annual Enrollment Period is coming up soon. It’s a bit early to get into specific plans, but stop by if you have questions and we can meet up in October to discuss the plan that will work best for you.

09/19/2026

At the Smoke Sessions Barbecue Marketplace today. Drop by 10:00-3:00.

09/12/2026

When choosing Medicare plans, some people are all for either a Supplement or an Advantage plan.
The Plan G Supplement is the is the favorite because it covers the most expenses. The downside to it that it does not include dental, vision, hearing, or drug plans and the monthly premiums can run high.
Others prefer the Advantage plans because they offer low or even no monthly premiums along with the dental, vision, hearing, and drug benefits that supplements lack. But they include copays, which can be steep in the case of hospitalization.
It can seem like pick-your-poison, but what if you could build a plan that gives the best features of both?
Start with an appropriate Advantage plan to cover routine needs, and that includes prescriptions, dental, and vision. You can add an indemnity plan that is tailored to cover expenses that the Advantage plan does not. You can also get plans that that pay a lump sum in case of serious debilitating disease like heart attack, stroke or cancer. There are premiums for these plans, but the total is often less than that of a supplement plan.
Of course, even the best and most well-thought-out plan is not right for everyone. Give me a call and I will help find a plan that best protects you.
This essay is for educational purposes only.

07/28/2026

I spent 25 years as a public school teacher. One of the many vexing issues I had to deal with was health insurance. The rates are stupid high, especially if you have your family on the plan.
If you are a teacher looking at your district's health care offerings and wondering how in the world you can afford the premiums, give me a call. Let's talk about your situation. There is no one perfect plan but I make it my business to come up with options.

07/15/2026

Medicare Supplements are insurance policies that help to bridge the gaps between what Medicare will pay and the patient is responsible for (this is where the term “Medigap” originated). Plans are designated by letters A-D, F, G, and K-N and standardized according to Medicare regulations. That is, a Plan A from Famous Insurance Co. will be the same as a Plan A from Unknown Insurance. The only difference would be the premium price and possibly customer service.
So how would someone choose one company’s plan over another’s? Price is an obvious factor. A company’s reputation is also an another important. People will sometimes choose the company they used for health care or life insurance in the past and feel comfortable.
A chart with a detailed listing of plan benefits and coverage can be found at: https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
This post is for education and information only. Contact me if you have questions about your specific situation.

Compare benefits offered by each Medigap plan including Plan A, Plan B, Plan C, and more.