Smart Choice Benefits

I am your 800lb Healthcare Gorilla

Insurance Options

See plan rates and benefits.

Phone Number

(210) 842-3026


333 Sharon Dr.
Boerne, TX 78006


Mon-Fri 8:00am – 5:00pm
Sat 8:00am – 5:00pm

Products We Offer

We're here to help you find the coverage you need.

Individual & Family Insurance Coverage (Under age 65)

We offer multiple health coverage options for you and your family. Our licensed professionals can explain all the various plan options that are available to you.

Get an instant quote or more information by using links below.  Or call now.   (210) 842-3026

Medicare Insurance (Over age 65)

Medicare Supplement Plans are accepted by over 95% of all doctors/providers in America. Referrals are not required.  Many people love the freedom of choice for your medical provider, predictability of costs, and very low rate increase history with most carriers.

Medicare Advantage Plans are Guaranteed Issue, have No Pre-existing Limitations and usually offer co-pays for Doctor, Hospital and RX costs.  Premiums are often $0 per month.

Get an instant quote or more information by using links below.  Or call now.   (210) 842-3026

Life Insurance

Life insurance is about taking care of your loved ones.  It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death.  It can also replace your income, so your family can maintain their quality of life.

Get an instant quote or more information by using links below.  Or call now.   (210) 842-3026

Dental / Vision Plans

Dental Coverage include coverage for preventive care, like routine exams, cleanings, and X-rays.  Many plans also include coverage for additional services like fillings, extractions, root canals and crowns.

Vision Plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses.

Get an instant quote or more information by using links below.  Or call now.   (210) 842-3026

Supplemental Insurance

Critical Illness and Cancer Plans help cover your out of pocket costs for heart attack, cancer, stroke and additional diseases.  Many expenses incurred due to a critical illness are not covered by traditional health insurance plans, such as deductibles, co-pays, experimental treatments, travel, and more.

Get an instant quote or more information by using links below.  Or call now.   (210) 842-3026

About Us

Smart Choice Benefits is a Health Insurance Brokerage that helps Families and Businesses figure what is the best healthcare fit for them.  We have served over 5000 clients in Texas for the last 25 years. We are the client's advocate and help them walk the maze of healthcare. We want you to have a great experience and have staff by the phone to assist you if you are confused or don't know what to do. We want a lifetime relationship with you. We understand Trust is earned, and our goal is to serve you with our knowledge and experience, by answering our phone and quickly responding to your needs.


We provide rates and benefits for a variety of products.

Select the products you need and submit.  We'll get you the information you need - Fast.

We'll never share your email or phone with anyone.

How to find us

Chet and Paige Marko, the owners of Smart Choice Benefits, have lived in Boerne for 29 years, president of Boerne Soccer, and a member of the local Boerne Chamber of Commerce. We raised 7 kids, and 9 grandkids here. Our Smart Choice Benefits office is on our property at 333 Sharon Dr. Boerne Tx. 78006. We are on the horse shoe street Sharon Dr. across from the Kendall County Fair Grounds and Cibolo Nature Center. Give us a call and set an appointment. We would love to meet you.


Frequently Asked Questions

How do I qualify to get help with my Health Insurance Premium from the government?
Talk to an Agent, he will ask you about your income, size of your family, your working situation, and county where you live. With this information he
Id Health Share or Obamacare Affordable Care Act better?
Health Share is a great product, but not for everyone. Health Share has a one year wait on pre-existing conditions. If you have major pre-existing c
What is the best Dental Insurance Plan?
We like Manhattan Life, because it covers Dental, Vision, and Hearing up to $3000,.00. You can also go to any dentist of vision doctor. ML is A+ rated

Additional Information

What is the cost of an ACA health insurance plan in Boerne, TX?
The monthly premium amount that you will end up paying for an Affordable Care Act plan (Obamacare) is determined from the consideration of several factors.  These factors include:
  • 1.  Your annual income.
  • 2.  The ages of you and your family members.
  • 3.  Whether or not you qualify to receive an ACA health insurance subsidy.
  • 4.  The region of the country that you call home.
If you are a U.S. citizen or permanent U.S. resident, you will likely qualify for ACA health insurance coverage.  For more information, give us a call.
How can I get health insurance or Medicare insurance coverage in Boerne, TX?
We can help you find a quality individual or family health insurance plan.  We can also assist with Medicare Supplement or Medicare Advantage coverage.  We serve the Boerne, San Antonio and Kerrville regions.
How can I know which health insurance option is the best for me?
When comparing different health insurance options, you should start by considering you and your family's medical status.  Look at the type of treatment you've received in the past.  Consider the prescription drugs you or a family member are currently using.  Note if there are specific physicians that you or a family member must have access to.

Secondly, pay close attention to the deductibles, coinsurance, and maximum out-of-pocket benefits of every plan you are considering.  Such benefits can vary greatly.  These benefits are important because they determine how much you could be on the hook for in medical costs, should the unexpected occur.
Lastly, you will want to consider the health plan monthly premium.  How much you can afford?  With thoughtful consideration of the above items, you can be assured of making a smart health insurance plan choice.
Where can I get health insurance near me?
Our licensed health insurance agents will be happy to help you find the right plan for your needs.  We service the Boerne, San Antonio and Kerrville regions.
Where can I get Medicare supplement insurance assistance near me?
Our office provides expert assistance with Medicare Supplement and Medicare Advantage plans.  We service the Boerne, San Antonio and Kerrville regions.
How can I find out if I qualify for an Affordable Care Act (Obamacare) health insurance plan?
If you are a U.S. citizen under 65 years of age, you are very likey to qualify for an Affordable Care Act (Obamacare) health insurance plan.  Any issues of qualification usually have to do with when you apply.  This is why it is important to apply as soon as possible.
Can I qualify for an Affordable Care Act (Obamacare) health insurance plan if I have a medical condition?
Your medical status is not a factor when applying for an Affordable Care Act plan.
Is it possible to utilize The Affordable Care Act to save on group health insurance costs?
Yes.  Thanks to new health insurance regulations and guidelines, you can likely realize significant savings by reviewing your group health insurance coverage now.
Please give us a call:  (210) 842-3026.
Can you get me rates and benefit details for the 2022 Obamacare health insurance plans?
We can instantly provide you with rates and benefit details for all of the 2022 Affordable Care Act (Obamacare) Health insurance plans.  We can also help you choose and apply for the ACA plan that best suits your needs and budget.  Please give us a call:  (210) 842-3026.
I'm new here.  Can you help me sign up for a 2022 Affordable Care Act health insurance plan?
We are happy to assist you in applying for Affordable Care Act (Obamacare) health insurance coverage in the state of Texas.  We can also help you compare plan rates and benefits in order to find the best health insurance plan for your needs.  Please give us a call:  (210) 842-3026.

Companies We Represent

BCBS Health Insurance
Ambetter Health Insurance
Sedera Health Share
Assurity Life
Manhattan Life
Oscar Health Insurance
Molina health Insurance
Mutual of Omaha Med Sups
And More!
Today's Insurance Tip:

Interesting Fact:  In the early 1800's, prior to the development of the stethoscope, physicians would often perform physical examinations using techniques such as immediate auscultation.  In immediate auscultation, physicians placed their ear directly on the patient to observe internal sounds.  In 1816, to resolve the limitations of immediate auscultation, a French doctor named Rene Theophile Hyacinthe Laennec (1781-1826) invented the first stethoscope.  During an examination, being reluctant to perform immediate auscultation on the young female patient, he used a rolled sheet of paper to create an aural tube and facilitate auscultation.  He was excited to discover that the heart sounds were clearly audible.  This discovery later lead to the development of the first device specifically for this purpose.