Moses & Lydia Ruiz | Medicare & Health Insurance | Piedmont Insurance Group

Peace of Mind. Every Time.

Currently Accepting New Clients — No referral needed. Call or schedule online today.
Working with Moses & Lydia costs you nothing extra — we're paid by the insurance carriers, not you.
30-minute consult — no obligation, no sales pressure, ever.
Coming Soon
Medicare Annual Enrollment Period
October 15 – December 7
What is AEP? Each fall, Medicare gives you a window to review and change your coverage. If your doctors, prescriptions, or costs have changed — this is your chance to make sure your plan still works for you.
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Moses and Lydia Ruiz
Moses & Lydia Ruiz
Licensed Insurance Agents · Husband & Wife Team
Moses NPN 19575260 · Lydia NPN 20045128

Need Help Choosing the Right Medicare or Health Plan? Our Team Has Guided 2,000+ Families Through This.

Moses & Lydia are part of Piedmont Insurance Group, which has helped 2,000+ North Carolina families navigate Medicare, health, and insurance coverage. They bring that same expertise to every free, no-pressure conversation.

30-Min Consult · No Obligation
Piedmont Triad · All of NC
Medicare · ACA · Dental/Vision/Hearing
1,200+ Clients Served
2,000+ Families Served by Piedmont Insurance Group
Our Promise: No pressure. No gimmicks. Just clear guidance from people who genuinely care about getting it right for you and your family.
Why Choose Us
Why an Independent Agent Beats Going It Alone
Medicare.gov shows you plans — Moses & Lydia help you choose the right one for your doctors, prescriptions, and budget.
We're Independent
Not tied to one carrier. We compare plans across multiple organizations and recommend what actually fits your life.
Local & Reachable
Serving the Piedmont Triad — call, schedule online, or meet in person. You'll talk to Moses or Lydia, not a call center.
Here After the Paperwork
Part of Piedmont Insurance Group, which has served 2,000+ clients. We stay your agents year over year — helping with claims, changes, and questions long after enrollment.
Common Questions
Things People Wonder Before They Call
Will this cost me anything?
No. Moses & Lydia are paid by the insurance carrier — not by you. The plan you get through them costs the exact same as going directly to the carrier. You get expert guidance for free.
Am I locked in if I choose a plan?
No. During the Annual Enrollment Period (Oct 15–Dec 7) you can review, change, or drop your Medicare plan. For ACA plans, you can make changes during Open Enrollment. Switching is normal and easy.
Why not just use Medicare.gov?
Medicare.gov shows you all plans — but can't tell you which covers your doctors, matches your pharmacy, or fits your budget. That's what Moses & Lydia do: filter the options down to the plans that actually work for you.
Medicare Plans
Comprehensive coverage for seniors
Turning 65 or reviewing your current plan? →
Book an Appointment ★ Schedule Now
Self Quote
ACA Health Plans
Personalized plans for you and your family
Between jobs or need coverage? →
Book an Appointment ★ Schedule Now
Self Quote
Dental, Vision & Hearing
Plans for all ages
Want coverage beyond Medicare? →
Book an Appointment ★ Schedule Now
Just Need Quick Help?
No sales pitch. No pressure. Just answers.

Have a claim question, need coverage advice, or want a second opinion? Book a no-obligation help session — we're here to assist, not sell.

Simple Process
How It Works
Three easy steps to the coverage you need
1
Call or Schedule
Reach out by phone or book online. 30 minutes, totally free, no commitment.
2
We Shop for You
Moses & Lydia compare plans across carriers and narrow it to the options that fit your doctors, prescriptions, and budget.
3
Enroll & Relax
Choose your plan and we handle the enrollment. Then we stay your agents — available for claims, questions, and annual reviews.
Licensed in North Carolina
AHIP Certified · CMS FFM Registered
Nearly a Decade in Business · 65+ Years Combined Experience
Meet Your Agents
Moses & Lydia Ruiz
Married 25 years. Parents to three daughters. Best friends.
Moses Ruiz
Licensed Insurance Agent
NPN: 19575260 · AHIP Certified · CMS FFM Registered

A veteran of the 75th Ranger Regiment and Army Reserves instructor, Moses is also an ordained minister with years of experience in leadership and teaching. He served over a decade in law enforcement, specializing in gang investigations and youth intervention.

Moses excels at breaking down complex topics and helping clients make confident decisions about their healthcare coverage.

Medicare Specialist U.S. Army Veteran
Lydia Ruiz
Licensed Insurance Agent
NPN: 20045128 · AHIP Certified · CMS FFM Registered

With over 20 years in architecture and engineering — designing laboratories for institutions like NC State and the CDC — Lydia brings exceptional attention to detail and analytical thinking to insurance.

Patient and thorough, she listens first and ensures every client fully understands their options before making a decision.

ACA Specialist 20+ Years Professional Experience
Bring an Educational Seminar
to Your Local Library

We offer free educational seminars on Medicare and health insurance for libraries and community organizations across North Carolina.

Request a seminar for your community today.

Moses Ruiz (NPN 19575260) & Lydia Ruiz (NPN 20045128)
A Piedmont Insurance Group Team
📍 Moses Ruiz: PO Box 821, Lewisville, NC 27023
📍 Piedmont Insurance Group: 235 E Independence Blvd #200 (Second Floor) · Mount Airy, NC 27030
(336) 462-8589 (TTY: 711) · [email protected]

Medicare Disclaimer: We do not offer every plan available in your area. Currently we represent 8 organizations which offer 65 products in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIIP) to get information on all of your options.

Not connected with or endorsed by the U.S. government or the federal Medicare program. A Scope of Appointment (SOA) is required before any individual sales meeting. Completing a contact form or scheduling an appointment does not obligate you to enroll in a plan. For accommodation of persons with special needs at meetings call (336) 462-8589 (TTY: 711). We never sell your personal information. By contacting us, you consent to being contacted by a licensed insurance agent. Message/data rates may apply.

Licensed in North Carolina · AHIP Certified · CMS FFM Registered · © 2026 Piedmont Insurance Group · All Rights Reserved · Privacy Policy

Last updated: May 2026

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