Roxana Galindo is a licensed insurance agent who began her career in 2018 after discovering her passion for helping people understand Medicare and health coverage options. What started as curiosity quickly became a mission to educate and guide individuals through their healthcare choices. As the founder of Health First Insurance Services, Roxana has helped more than 500 clients find the right Medicare and Affordable Care Act plans that fit their needs and budgets. She focuses on providing personalized guidance so every client understands their coverage and feels confident in their healthcare decisions. Based in Laredo, Texas, Roxana values building strong relationships with her clients through one-on-one consultations and ongoing support.
Medicare Part A vs. Part B: 2026
Costs at a Glance
Same program, two separate coverages, two separate cost structures. Here is what each covers and what you pay.
Part A
Hospital / Inpatient
PREMIUM
$0/month
for 99% of beneficiaries (40+ quarters of work)
DEDUCTIBLE
$1,736
per benefit period, not per year (can be charged more than once)
COVERS
Hospital stays, skilled nursing (days 1–100), hospice, some home health
AFTER 60 DAYS
$434/day
coinsurance for days 61–90
Part B
Doctors / Outpatient
PREMIUM
$202.90/month
everyone pays this (higher with IRMAA)
DEDUCTIBLE
$283/year
once per calendar year
COVERS
Doctor visits, outpatient surgery, lab tests, preventive care, medical equipment
AFTER DEDUCTIBLE
You pay 20%
of Medicare-approved amount, with no annual cap
Carriers for Medicare Advantage Plans
Marketplace / Affordable Care Act Plans in Webb County Medical Coverage Carriers
Ambetter from Superior Health Plan
Blue Cross and Blue Shield of Texas
UnitedHealthcare
Network Types HMO PPO
Dental insurance providers available through
the Marketplace / Affordable Care Act in Webb County.
Apha Dental Programs, Inc.
BEST Life and Health Insurance Company
Blue Cross and Blue Shield of Texas
Delta Dental Insurance Company
DentaQuest USA Insurance Company Inc
Dominion Dental Services, Inc.
Educators Health Plans Life, Accident, and Health
Humana Insurance Company
Renaissance Life & Health Insurance Company of America
The Guardian Life Insurance Company
TruAssure Insurance Company
UnitedHealthcare Dental
Network Types
Network: HMO PPO
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