Flexible plans adapted to your needs and budget, from the most prestigious companies in the United States. My consulting services cover the states of: Texas , Tennessee, Florida, New Mexico, Ohio, Oklahoma, Georgia, Wisconsin, Indiana, North Carolina, Utah and South Carolina.

Insurances Patricia Romero

Health Insurance

Health insurance allows you to take care of your health on a regular basis, is more affordable than you can imagine and can save you from major expenses. Getting timely advice makes all the difference, so I not only help you find an affordable health insurance plan, but one that meets your health needs.
ACA and Obamacare

They are affordable and low cost insurance, because they have a government subsidy, require to be purchased during the Open Enrollment Period and you must have legal status in the USA. This is undoubtedly the best option in the market to obtain an affordable health plan that can even be free, and has no waiting periods or pre-existing conditions.

Short Term
Private health insurance, ideal for people who do not qualify for low-cost plans or people without immigration documents. They are safe and expensive.
Medicare Advantage

If you are enrolled in Medicare Parts A and B (original Medicare), these plans can help you fill in the coverage gaps in Medicare Parts A and B. Medicare Advantage plans are sold by private insurance companies and are designed to help you with out-of-pocket expenses (e.g., deductibles, copayments, and coinsurance) not covered by Parts A and B. These plans are available in all 50 states and can vary in premiums and enrollment eligibility. These plans are standardized; however, not all standardized plans may be available in your area, if you want to learn more contact me and I can provide guidance.

Insurances Patricia Romero

Life Insurance

Life insurance helps you get through difficult times; it is there to protect your loved ones when you can no longer do so. Life insurance replaces your income due to serious illness, disability or death.

Term Life Insurance

They are affordable and low-cost insurance with a coverage period ranging from 15, 20, 25 and 30 years. The price of these life policies for a young and healthy person can be less than 20 USD. This type of life insurance is generally used for a specific purpose (paying for children’s college), with a return of premium component. When the life policy comes to term, the insured collects the full premiums paid.

Mortgage Protection

A life insurance policy with mortgage protection helps protect your home, family and income in the event of premature death or financial loss from a terminal, chronic, critical illness or critical injury.

Financial Protector for Diseases

Critical, chronic or terminal

I offer you excellent coverages (no physical exam) and affordable premiums from companies you can trust to protect you against:
Terminal illness
Generally, if you have been diagnosed with a terminal illness that will result in death within 24 months (12 months in some states) of certification of the illness by a physician.
Chronic disease
A physician has certified, within the past 12 months, that you are unable to perform two of the six “activities of daily living” for a period of at least 90 consecutive days without assistance, or that you are generally cognitively impaired.
Critical illness includes:
ALS (Lou Gehrig’s disease), aortic graft surgery, aplastic anemia, blindness, cancer, cystic fibrosis, end-stage renal disease, heart attack, heart valve replacement, major organ transplantation, motor neuron disease, stroke, sudden cardiac arrest.

Insurances Patricia Romero

Final Expense

Establishing a plan for the future is one of the best things you can do for yourself and your family.

Final Expenses or Preneed

It is a whole life insurance policy, linked to a specific funeral provider and is intended to cover the funeral expenses listed in your preneed contract.

Funeral Plans

By planning now, you can help ease the stress and financial burden that planning funeral arrangements can place on your loved ones. It gives you:

  • Peace of mind: not only for you, but also for your family and friends.
  • A clear expression of your wishes: not only makes this difficult time a little more bearable, but also ensures that you are remembered in the way you want to be remembered.
  • Funding: by setting aside funds to help pay for your funeral, you minimize the financial burden on your family.


Cremation insurance is a type of final expense insurance, specifically to cover the costs of cremation and last wishes. Choose your plans in advance: it may be hard to imagine, but you should have a clear idea of your final wishes. This will make it easier to guide your decision about the insurance policy that is right for you.

Insurances Patricia Romero

Dental and Vision Insurance

I care about providing you with integral health solutions, that is why I offer you a complete range of plans and policies, including dental and vision insurance.

Dental Insurance

They help with the costs of oral care services, which can become too much of an expense for anyone. Before purchasing this type of insurance, you should review the options that are available to you and your family. Analyze your financial capacity and the care you expect to get with your dental policy, so you can make the best decision. Frequent oral care, regular check-ups and good oral hygiene can help you take care of your oral health and avoid major problems in the future. In any case, I can still guide you.

Vision Insurance

All persons with U.S. residency are entitled to vision insurance, regardless of their immigration status. This insurance is supplemental to your insurance package, allowing you to visit an optometrist or ophthalmologist for preventive and regular care. It also covers surgical and vision restoration procedures that are not covered by regular medical insurance.

Insurances Patricia Romero

Supplemental Insurance

Your primary health insurance probably won’t cover all of your expenses, but your supplemental insurance will and it’s more affordable than you think, starting at about $10 a month.

Accident Insurance

Helps pay accidental injury, treatment and related covered costs. Pays cash directly to you.

Sickness Insurance

Receive the cash benefit, it can help cover expenses after a diagnosis and you can use that money to help pay for out-of-pocket medical or household expenses.

Hospitalization Insurance

Pays a fixed benefit amount after a covered hospitalization, you can use the cash to help pay for out-of-pocket medical expenses or household expenses.

Insurances Patricia Romero

Insurance for Abroad

I am really interested in satisfying all your needs, that’s why I offer travel and international insurance.

Travel Insurance

Whatever type of health insurance you need, our international solutions can be tailored to suit you, while we provide you with a global network of hospitals and healthcare professionals.

International Insurance

Travel safe, I can get a plan to meet your needs and protect your physical and mental well-being during your adventure abroad.

I always care about the satisfaction and protection of my customers.

My clients and my years of experience corroborate that my clients’ satisfaction and protection are my priority.

Protected Clients

Years of Experience