Individual Health Insurance

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Individual health insurance throughout Texas in Frisco, Plano, Prosper, Dallas, McKinney and Allen.

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.

If you don’t get healthcare coverage through your employer, or if you’re self-employed, individual health insurance is an absolute must. Don’t panic about the costs; plans can be cheaper than you expect if you shop around, and you’ll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

The four big variables to watch out for are:

  • The deductible (how much you pay out-of-pocket before the insurer starts paying).
  • Co-payments (the percentage, if any, that you pay toward each medical or hospital bill, with the insurer picking up the rest).
  • Any annual limits on the total amount the insurer pays.
  • Exactly which medical services, treatment and drugs the policy covers.

Depending on your health level and appetite for risk, you can often find a policy and price that’s just right for you.

When offering individual health insurance, insurers have a particular interest in making sure you stay healthy. That means they’ll often pay up to 100 percent of the costs of preventative healthcare, such as checkups, screenings and vaccines.

Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.

Why Health Coverage?      When it comes to health plans, it can be confusing on what is your best option.  We welcome the opportunity to help secure a plan that meets your needs and budget.  Contact us today!

Individual and Family Health Insurance Plans

If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual and family health plans can help pay staggering expenses if you face a medical emergency.  These types of plans are available to provides benefits for a broad range of health-care services, both inpatient and outpatient. Also, plans  are available that can save you money on routine doctor’s visits, preventive care services, prescription costs and other medical services. Expect to pay a monthly fee and sometimes and an annual charge before benefits are available.  Our plans include the following:

Blue Cross Blue Shield

Pivot Health

UnitedHealthcare

 

Individual and Family Health Sharing Plans

Many individuals and families are enrolling in health sharing plans joining a like-minded community to help pay healthcare expenses at a substantially overall lower cost.  Over the last 25+ years these plans have seen membership grow to over 1 million plan members.   Although these plans are not insurance, they do have a strong history of health sharing among members.  Also, these plans operate very similar to health insurance with a monthly fee, annual charge limit and administrative services to process all healthcare charges with health providers.  Our plans include the following:

Medi-Share

 

Supplemental Accident, Illness and Preventive Care Plans

Accidents and critical illness can occur at any time.  Having a supplemental plan to help pay a deductible and critical illness is a good strategy for any individual or family.  We have plans that pay a lump sum for each member on the plan in case of accident or critical illness as well as a no cost/no deductible preventive care services option for each member on the plan.  Our low cost supplement plans include the following:

Health Values

SafeGuard Health

Shared Health Alliance

Individual Health Insurance Quote Request

As an independent agency, we offer multiple options at competitive prices.

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