Ruben Trejo

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Ruben Trejo

Life & Health Hub, Inc

(281) 688-6165

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Hi, I’m Ruben Trejo. I’m a husband, father, and grandfather who believes in family, faith, and doing right by people. I started Life & Health Hub, Inc because I wanted to make insurance simple, easy, and personal. For over 17 years, I’ve helped thousands of people get the Medicare, life, and health coverage they need without the confusion or pressure.

I work with an amazing team that shares the same heart, to serve people with honesty, clarity, and care. We’re based in Texas but we help families in all 50 states. Whether it’s answering questions, finding the right plan, or just being there when life happens, we’re here to help. We love serving our clients in English or in Spanish.

When I’m not at the office, I’m spending time with my wife Lana, my kids, and my grandkids. I love to barbecue, work out, go on walks, and laugh hard. Life is short, and I believe in making the most of it. That’s why I do what I do.

Products Offered:
Medicare Supplement, Medicare Advantage, Life Insurance, Health Insurance, Final Expense, Dental Plans, Annuities, Long Term Care, 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, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, 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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