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Insurance with Arminda De Hoyos

Coverage options

Understand your choices before you choose.

Insurance is easier to approach when someone takes the time to explain the details. Arminda provides personal guidance in English and Spanish.

Call 956-906-2800 See how it works

Explore coverage

Guidance for different stages of life.

Coverage, eligibility, benefits and availability vary. Official plan documents control the terms of any coverage.

Individual Health

Review health insurance options based on your personal needs, budget, doctors and preferred level of coverage.

  • Monthly premiums and potential out-of-pocket costs
  • Provider networks and prescription benefits
  • Eligibility and enrollment timing

Family Health

Explore coverage options for your household with guidance that considers each family member’s needs.

  • Coverage for adults and children
  • Deductibles, copays and family cost limits
  • Available plan networks and benefits

Medicare

Get plain-language guidance while reviewing Medicare choices and the important questions to ask.

  • Medicare enrollment periods
  • Plan benefits, costs and provider access
  • Prescription drug coverage considerations

Life Insurance

Discuss life insurance intended to help protect the people who depend on you financially.

  • Term and permanent coverage considerations
  • Coverage amounts and beneficiary planning
  • Premiums, eligibility and policy details

Dental

Compare dental coverage for preventive care and other eligible services.

  • Preventive and diagnostic services
  • Waiting periods and annual maximums
  • Dentist networks and covered procedures

Vision

Review vision benefits for routine eye care, eyewear and related services.

  • Routine eye examinations
  • Allowances for frames or contact lenses
  • Provider access and benefit frequency

Questions worth asking

Look beyond the monthly premium.

Are my preferred doctors and facilities in the network?

How are prescriptions and regular services covered?

What could I pay before and after meeting the deductible?

Are there exclusions, waiting periods or benefit limits?

Personal insurance guidance

Let’s discuss what you need.

No pressure and no unsupported promises—just a clear conversation about your questions and available options.

Talk with Arminda arminda@insurancewad.com