Office Hours
9:00 AM - 5:00 PM
Our Location
Winnsboro, Texas
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214-289-6314
Office Hours
9:00 AM - 5:00 PM
Our Location
Frisco, Texas
Call Us Now
214-289-6314
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Frequently Asked
Questions
Do you only represent one company or are you independent?
I am a true independent agent, representing many different companies. Health insurance is not one size fits all, plus there's no such thing as a perfect plan. I have clients with BCBS, UHC, Cigna, Aetna, Philadelphia American, and several more.
What type of plans do you offer?
Health insurance is an important decision. I have multiple options from major medical plans with copays, full maternity and preventive care, PPO plans, Indemnity plans that pay any providers, critical illness, Accident plans, disability plans, Medicare Supplements and Medicare Advantage plans. customized plans that provide great value and more..........
How do the companies handle disputes over claims?
Some plans have an advocate included with their services, which means if you have don't understand the charges or disagree with the charges, the advocate will go to bat for you and do the negotiations.
How much will I have to pay for medical care?
Health insurance can be very confusing, so some basic things to know are what your premium is, ask what you will be charged for office visits, regular lab work, etc. If you are hospitalized find out how much the deductible is and the maximum out-of-pocket will be and then what will be paid after you meet your deductible and coinsurance.
What are the plan's restrictions on pre-existing conditions?
Some plans have a waiting period if you have a pre-existing condition, typically 12 months. If it's something minor like controlled high blood pressure then the savings you generate by going with an underwritten plan may be worth it.
Will I still be able to go to my doctor?
We have plans that pay to any doctor or hospital and we can design coverage that will even cover the surprises that happen every day.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or Healthcare.gov to get information on all your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services, the Center for Medicare and Medicaid Services or HealthCare.gov