Peace of Mind Starts Here
Your family, your future — secure it all with insurance you can trust. From Medicare to Life Insurance, we help you find the right plan for every stage of life.
Comprehensive Coverage for Every Need
Whether you're navigating Medicare or looking for life insurance protection, OG Insurance Services has you covered.
What Is Medicare?
Medicare is the federal health insurance program for Americans aged 65 and older, as well as certain younger individuals with qualifying disabilities. It covers over 67 million Americans and is divided into distinct parts — each covering different services.
Navigate Medicare with Confidence
Part A — Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care. Most people pay $0 in premiums.
$0/mo premium for mostPart B — Medical Insurance
Covers doctor visits, outpatient care, preventive services, lab tests, and durable medical equipment.
$202.90/mo standard premium (2026)Part C — Medicare Advantage
Private plans that combine Part A & B coverage, often including dental, vision, hearing, and prescription drugs. Lower out-of-pocket maximums.
Avg $14/mo premium (2026)Part D — Prescription Drugs
Covers outpatient prescription medications. New $2,000 annual out-of-pocket cap. The donut hole has been eliminated.
$2,100 annual OOP cap (2026)Medigap (Medicare Supplement)
Medigap policies help pay for out-of-pocket costs that Original Medicare doesn't cover — copayments, coinsurance, and deductibles. Plans are standardized by letter (A, B, G, N, etc.) and benefits are the same regardless of which company sells the plan.
Most Popular Plans: Plan G & Plan NKey Enrollment Periods
Initial Enrollment
7-month window around your 65th birthday
Sign up for Part A, B, D, or Medicare Advantage
Annual Open Enrollment
October 15 – December 7 each year
Switch plans, join or drop Part D, change Medicare Advantage
Medigap Open Enrollment
6 months after turning 65 with Part B
Purchase any Medigap plan — guaranteed issue, no medical underwriting
Not Sure Which Medicare Option Is Right for You?
Choosing the right Medicare coverage can feel overwhelming. We're here to simplify the process. Whether you're turning 65, retiring, or want to review your current plan — we'll walk you through every option at no cost to you.
Schedule a Free Medicare Consultation
Meet Oscar Garcia
Your Trusted Insurance Advisor
Meet Oscar Garcia
Oscar Garcia is a licensed Financial Educator and independent insurance agent serving the Rio Grande Valley and beyond. With a passion for helping families protect what matters most, Oscar simplifies the complex world of Medicare and life insurance — making sure every client understands their options and gets the best coverage for their budget.
“My mission is simple: to help every family I work with feel confident and protected. Whether you're turning 65 and navigating Medicare for the first time, or looking for life insurance to secure your family's future — I'm here to guide you every step of the way.”
Let's Find the Right Plan for You
Answer a few questions and we'll match you with the best coverage options for your budget.
Or reach out directly
Phone
956-335-0488
ogarcia@tpension.com
Office
502 N Veterans Blvd Suite A, San Juan, TX 78589
Schedule Your Free Consultation
Pick a time that works for you and meet with Oscar to discuss your coverage options — no cost, no obligation.
Book a Meeting