Denied to Approved.

Got a Medicare denial? Coverage dispute? Bill that doesn't add up?

You have rights — and you have options.

Let's talk through it.

Licensed Independent Medicare Broker — Texas

No Cost. No Pressure. No Runaround.

You're probably here because one of these happened:

  • Your Medicare claim was denied

  • You got a bill that doesn't make sense

  • Your plan won't cover something your doctor ordered

  • Someone called you about your Medicare and it didn't feel right

  • You're trying to help a parent or loved one and don't know where to start

  • You just want someone to give you a straight answer

That's what this is for. Charles "Choco" Valdez is a licensed independent Medicare broker in San Antonio, Texas — not a call center, not an overseas operation, not a lead generation form that sells your information. Just a real person who knows how Medicare works and will give you honest answers.

Here's all you need to do

Step 1: Book a no-cost call using the button below — or call (210) 714-1775 directly.

Step 2: Tell me what's going on. You don't need to have all the details. Just tell me what happened.

Step 3: I'll give you straight answers about what your options are and what to do next.

Who you're talking to

I'm Charles "Choco" Valdez. I'm an independent insurance broker licensed throughout Texas. I'm here in San Antonio.

I work for my clients — not for any insurance company.

I don't sell your information, I don't work for a call center, and I don't disappear after you enroll in something.

If you have a Medicare problem I will help you understand what your rights are and what your options look like. If the right answer is to stay in your current plan, I'll tell you that. If the right answer is to make a change, I'll help you understand how.

Serving San Antonio and communities throughout Texas.

Texas Insurance for You | Charles 'Choco' Valdez, Licensed Insurance Broker

Not connected with or endorsed by the United States government or the federal Medicare program. 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.