Confused about Medicare?
We Can Change That
As a licensed insurance agent, I'm committed to helping you find the right plan for you or your loved one.
I assist you during the enrollment process and beyond so you're informed and confident in your healthcare decisions. My services are always at no cost to you!
Our Carrier Partners
We're an independent agency — we work with most major carriers for you.
Are you or a loved one turning 65 this year?
Finding the right Medicare coverage for your health needs and budget can feel overwhelming, but you don't have to navigate it alone. As a licensed insurance agent, I can help you review your options and answer your Medicare questions — at no cost to you.
- Part A — Hospital coverage
- Part B — Medical coverage
- ✓ Medicare Supplement + Part D
- ✓ Medicare Advantage (all-in-one)
Jose Guzman
Licensed Insurance Agent #1181601
Not affiliated with the U.S. government or federal Medicare program.
How Medicare Works
Medicare is the federal health insurance program for people 65 and older, and for some people under 65 with certain disabilities. It is divided into parts, and each part covers a different type of care. Understanding how they fit together is the first step to choosing with confidence.
Part A — Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Many people pay no premium for Part A if they worked and paid Medicare taxes long enough.
Part B — Medical Insurance
Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Part B normally has a monthly premium and an annual deductible set by Medicare.
Part C — Medicare Advantage
Plans offered by private, Medicare-approved companies that combine Part A and Part B into one plan. Many plans also include drug coverage and use provider networks. Benefits and costs vary by plan and by county.
Part D — Prescription Drugs
Prescription drug coverage through private plans. Each plan has its own list of covered drugs (formulary) and network pharmacies, so it is worth reviewing your prescriptions every year.
Medicare Supplement (Medigap)
Medigap plans work alongside Original Medicare and help with cost sharing such as deductibles and coinsurance. Plans are standardized by letter, and drug coverage is purchased separately with a Part D plan.
How to Compare Your Options
Start with your doctors
Check whether your preferred doctors, specialists, and hospitals participate in the plan you are considering. Networks can change each year.
Review your medications
Compare your prescription list against the plan's formulary and network pharmacies to understand what you would pay across the year.
Think about total cost
Look beyond the premium: consider deductibles, copays, coinsurance, and out-of-pocket maximums to see the full picture.
Turning 65 and enrollment
Your Initial Enrollment Period generally begins three months before the month you turn 65, includes that month, and ends three months after. There are also annual periods and special periods if you lose coverage or move. We help you identify which period applies to you.
Choosing for your needs and budget
There is no single plan that is best for everyone. We review your health, medications, doctors, travel, and budget to explain the options available in your area — and the decision is always yours.
Working With Med Life
An independent licensed agent
As an independent agency we work with most major carriers, so we can compare several options instead of offering a single product. Our services are at no cost to you.
What to expect during enrollment
A no-pressure conversation, a review of your doctors and medications, a clear comparison of the available options, and help completing your application correctly and on time.
Ongoing support afterward
We stay available after enrollment for questions about cards, billing, or claims, and we review your coverage each year as plans or your needs change.
We serve families across El Paso & Doña Ana Counties, in both English and Spanish.
Insurance Agents
Our licensed agents help you compare coverage options in English and Spanish — at no cost to you.
Medicare Agents
You can speak with a licensed Medicare agent about plans, enrollment periods, and coverage questions — in English or Spanish, with no pressure and no cost.
Plans and options
We review the Medicare Advantage, prescription drug, and Medicare Supplement options available in your area so you can compare clearly.
Enrollment
We help you identify which enrollment period applies to you and complete your application correctly and on time.
Coverage questions
After you enroll we stay available for questions about cards, billing, doctors, or prescriptions.
Contact Med Life
Speak with a Med Life licensed agent for assistance with Medicare plans.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.