Buffer Insurance LLC
Independent Licensed Agent
I'm not captive to one carrier, so you'll see the best available options in your ZIP. Nothing is shared with me until you decide, and you'll review every plan before submitting anything. No fee, ever.
Everything I do starts with why. It's the order that keeps the advice honest and the work rooted in what actually matters — your family.
Protecting you and ensuring your future impact is our highest priority. Your life is worth investing in. Your future and the future of those counting on you is worth protecting.
Earning your trust is what allows us to fulfill our purpose every day. We build intentional relationships and show up for the people we serve — consistently, honestly, and without the runaround.
From employer benefit plans to Medicare, from life insurance to commercial coverage — we make protecting you and those you care about straightforward and stress-free.
Most folks 65+ choose between these two. I'll walk you through both, side by side, and help you pick the one that fits your doctors, your medications, and your budget.
Pairs with Original Medicare. Predictable costs and broad doctor access — works anywhere in the U.S. that accepts Medicare.
An all-in-one alternative to Original Medicare offered by private carriers. Plan availability, costs, and included benefits vary by carrier and ZIP code.
Part D · Drug plans
Dental · Vision · Hearing
Final Expense & Life
Individual Health & Hospital IndemnityMedicare can be overwhelming — the options, the jargon, the fine print. You shouldn't have to navigate it alone. Here's how I make it simple — in three steps.
A 15-minute conversation — no obligation, no pressure. I listen first. I understand your doctors, your medications, and what you want to protect before I recommend anything.
I do the heavy lifting — comparing carriers, translating jargon, and walking you through Medigap vs. Advantage side by side. A clear recommendation tailored to your life and your budget.
You're covered. You understand your coverage. And I'm here every year — not just at enrollment — when your doctors change, prescriptions shift, or life sends a curveball.
"We were drowning in mailers and cold calls. Randy walked us through every option, told us straight up what would and wouldn't work — and didn't try to sell us anything. First broker we've ever actually trusted."
RH Benefits - Medicare Specialist is a DBA of Randy Hernandez, an Independent Licensed Agent of Buffer Insurance LLC. Choosing a Medicare plan can feel overwhelming — and the industry doesn't always make it easier. My approach is rooted in faith: I treat my work as stewardship. That means giving you sound advice instead of a sales pitch, and treating your trust like the gift it is.
I'm an Independent Agent of Buffer Insurance LLC operating as RH Benefits - Medicare Specialist (DBA). I'm not captive to one carrier, so I am able to quote you the best available rate and product. We'll walk through trade-offs in plain English, and let you decide what's right for your family. You pay nothing extra — carriers pay agents the same whether you go direct or through me. As a faith-based agent, I strive to give over 20%+ of net profit to DFW charities such as Union Gospel Mission of Fort Worth and Unbound Fort Worth.
30 minutes, plain English, real Q&A. Submit a question in advance or just tune in — replay sent Saturday morning. No slides full of fine print.
Send me a note. I'll email you back within one business day to set up a phone or Zoom call — whichever's easier. No fee, no pressure, no obligation.
