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Your health, our purpose · Tu salud, nuestra razón
Madrinas Insurance serves Texas from our office in Edinburg, in the heart of the Rio Grande Valley, and by phone and video statewide - from Houston to El Paso.
We opened in the Valley because families here were being asked to sort out federal health coverage in a language and a system that weren’t built for them. Our licensed bilingual advisors help Texas families with marketplace health plans, Medicare, dental, vision, and life insurance - at no cost to you, because the insurance carriers pay us.
Every service below is available to Texas residents through a licensed bilingual advisor, at no cost to you. Your premium is the same whether you enroll with us or on your own - the difference is that someone walks it with you.
Through HealthCare.gov. We check your eligibility for premium tax credits and cost-sharing reductions, compare the plans available in your county against your doctors and prescriptions, and complete the application with you - by phone, by video, or in person at one of our offices.
Lost a job, moved, married, had a baby, or lost Medicaid? We confirm whether you qualify to enroll outside open enrollment and get it done inside the window.
For households that need coverage outside an employer plan, on or off the marketplace.
For the self-employed and anyone who doesn’t qualify for marketplace subsidies or Medicare.
Small-business plans for owners who want to cover their employees without becoming an HR department.
Medicare Advantage, Medicare Supplement, and Part D. We walk new-to-Medicare clients through their first enrollment, review the Annual Notice of Change every fall, and compare plans against your prescriptions and doctors - not just the premium.
Dental and vision. Standalone or added alongside your health plan. Life insurance, mortgage protection, and final expense. Term, whole life, and burial coverage sized to what your family actually needs - not a formula.
This is the part most agencies skip. We stay reachable for documentation requests, plan changes, renewals, denied claims, and the question in March about something you signed in December.
Over 2.5 million families have trusted us since 2013
We’re paid by the insurance carriers. Your premium is identical whether you enroll with us, on HealthCare.gov by yourself, or directly with a carrier.
Real credentialed agents who can be held accountable, not a lead-generation form.
Not a translated script - advisors who speak the language your family actually uses.
If the honest answer is that we can’t help you, we’ll say so and point you somewhere that can.
Bilingual insurance office in the Rio Grande Valley
Address: 1601 W Trenton Rd Ste H, Edinburg, TX 78539
Phone:
Rio Grande Valley office: 956-348-2199
Main: 855-MADRINA (855-623-7462)
Office Hours: Monday–Friday 9:00 am – 6:00 pm · Saturday 10:00 am – 4:00 pm · Sunday closed
Phone Support: Monday–Sunday, 7:00 am – Midnight
Email: [email protected]Our office is in Concord Plaza, at the signalized corner of West Trenton Road and Sugar Road in Edinburg, the Hidalgo County seat. It sits in a corridor thick with hospitals and medical offices, with UTRGV’s Edinburg campus nearby - if you’ve been to a doctor’s appointment in this area, you’ve driven past us.
Getting here: free parking on site. Look for Suite H.
Driving times from around the Valley:
| From | Distance | Drive |
|---|---|---|
| McAllen | ~5 miles | 7–10 min |
| Pharr | - | 10–15 min |
| Mission | - | 15–20 min |
| Weslaco | - | 25–30 min |
| Harlingen | ~40 miles | 45–50 min |
| Brownsville | ~60 miles | 55–65 min |
Regional transit is Valley Metro, operated by the Lower Rio Grande Valley Development Council, and McAllen Metro serves McAllen with UTRGV connections. That said, the Valley is car-oriented and most people drive.
The community here. Hidalgo and Cameron counties are overwhelmingly Hispanic, households are bilingual or Spanish-dominant, the population is young, and uninsured rates are among the highest in the nation. That combination is exactly why this office exists, and why nobody here will hand you an English-only form and wish you luck.
You don’t need any of this to walk in and ask questions. To finish an enrollment in one visit:
Texas uses HealthCare.gov, the federally facilitated marketplace. There is no Texas state exchange, and no serious legislative effort to create one.
ACA enrollment
Open enrollment starts
Nov 1
Bilingual support always standing by to find premium tax credits.
Texas therefore follows the federal enrollment calendar. Open enrollment for individual and family coverage generally begins November 1 and runs into January, with an earlier December deadline for coverage that starts January 1. Exact dates are set each year and have shifted before - check our enrollment deadlines page or call us for the current deadline rather than relying on last year’s.
Outside open enrollment you need a qualifying life event: losing job-based coverage, marriage, divorce, a new baby, adoption, a permanent move, or aging off a parent’s plan. That typically opens a 60-day window.
One thing specific to Texas worth knowing: plan availability varies significantly by county. Some Texas counties have several carriers competing; others have very few, and in parts of rural Texas your options are genuinely limited. Where you live shapes your choices here more than in most states, and it’s the first thing we check.
Medicare runs on a completely separate calendar from ACA coverage.
| Window | When | What it’s for |
|---|---|---|
| Annual Enrollment Period | October 15 – December 7, every year | Change your Medicare Advantage or Part D plan for the following year |
| Medicare Advantage Open Enrollment | January 1 – March 31 | Already in an MA plan? One change allowed |
| Initial Enrollment Period | The 7 months around your 65th birthday | Your first Medicare enrollment |
| General Enrollment Period | January 1 – March 31 | If you missed signing up for Part A or B |
| Medigap open enrollment | The 6 months starting when your Part B begins | The only window where a Supplement cannot decline you for health reasons |
Read the Annual Notice of Change your plan mails each fall - costs, formularies, and networks change annually.
Two things worth knowing before you call.
Your Medigap open enrollment window is six months, starts when Part B begins, and doesn’t repeat - outside it, a Supplement can decline you or charge more for your health, so call before you turn 65, not after.
The Annual Notice of Change your plan mails each fall; costs, formularies, and networks change every year. Guaranteed-issue rights and the Medicare Advantage trial right are explained on our Medicare page.
Free, unbiased Medicare counseling is also available in Texas through HICAP, the Health Information, Counseling and Advocacy Program at Texas Health and Human Services.
We mention HICAP because it’s genuinely useful, even though it’s technically competition.
We do not offer every plan available in your area. Currently we represent [number] organizations which offer [number] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program to get information on all of your options.
We care, you count · Tu salud, nuestra razón
Free, bilingual, no pressure.
Takes less than 2 minutes
