Ruben Trejo

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Ruben Trejo

Life & Health Hub, Inc

(281) 688-6165

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Hi, I’m Ruben Trejo, founder and owner of Life & Health Hub, Inc. My National Producer Number is 12637520.

I’m a husband, father, grandfather, and a man who believes deeply in faith, family, hard work, and doing right by people.

For over 17 years, I’ve had the privilege of helping thousands of individuals and families understand Medicare, life insurance, health insurance, and other important coverage options. I started Life & Health Hub, Inc. because I wanted to make insurance simple, easy, and personal.

I know insurance can feel confusing and overwhelming. My heart is to remove that pressure and help people feel informed, confident, and taken care of. Whether someone’s turning 65, protecting their family with life insurance, looking for health coverage, or just trying to understand their options, I want them to know they’re not alone.

At Life & Health Hub, Inc., we’ve got an amazing team that shares the same mission: serve people with honesty, clarity, patience, and genuine care. We’re based in Texas, but we help families in 46 states, and we proudly serve our clients in English and Spanish.

To me, this business isn’t just about policies. It’s about people. It’s about protecting families, creating peace of mind, and helping others prepare for the moments in life that matter most.

When I’m not working, I’m usually spending time with my wife Lana, my kids, and my grandkids. I love to barbecue, work out, go on walks with my wife, laugh hard, and enjoy the life God’s blessed me with.

Life’s short, and I believe we should make the most of it. That’s why I do what I do. My mission is to serve people well, build something meaningful, and leave a legacy of love, faith, leadership, and impact.

Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Annuities, Retirement Planning, Mortgage Protection, Prescription Drug Plans, Short Term Medical, Cancer/Heart/Stroke, Accident Insurance

States Serviced
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia Wisconsin

Frequently Asked Questions

A Medicare Advantage plan is a type of Medicare plan offered by private insurance companies that work with Medicare. These plans combine Part A and Part B coverage, and most of them also include prescription drug coverage. Many plans also include extra benefits like dental, vision, hearing, transportation, gym memberships, and over the counter allowances. Think of it as an all in one Medicare plan.

It depends on the person. Some people prefer Original Medicare with a supplement because it gives them more freedom to see doctors nationwide. Others like Medicare Advantage because many plans include extra benefits and often have lower monthly premiums. The right plan really comes down to your doctors, your medications, and your personal preferences.

Some plans have a monthly premium, but many plans have zero dollar premiums. Even when the premium is zero, you still must continue paying your Medicare Part B premium. Most plans also have copays when you visit doctors or receive services, just like many regular health insurance plans.

The biggest difference is how you use the plan. Medicare Supplement plans work alongside Original Medicare and usually allow you to see any doctor nationwide that accepts Medicare. Medicare Advantage plans work more like traditional health insurance with networks and copays. Each option has pros and cons depending on what someone is looking for.

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