Office Hours
9:00 AM - 5:00 PM
Our Location
Winnsboro, Texas
Call Us Now
214-289-6314
Office Hours
9:00 AM - 5:00 PM
Our Location
Frisco, Texas
Call Us Now
214-289-6314
Health Insurance Options
For Your Family!
Quality Plans For You!!
About Health Insurance
Simply put, health insurance is supposed to be protection against major catastrophic medical costs.
All Health Plans Are Not Created Equal
There isn't a perfect policy, it doesn't exist. Nobody's going to pay for everything and ALL health insurance plans have their 2-3 pages of EXCLUSIONS. Everyone is going to exclude things like cosmetic surgery, experimental treatments, homeopathic treatments, bunions, and even toe fungus.
But remember most insurance companies put LIMITS in the small print of their policies. For example, if you need physical therapy after an accident, stroke or heart attack, all ACA plans limit you to 20 such visits annually. If you need more than that to get back on your feet, you would be responsible for 100% of those costs out-of-pocket.
This is why catastrophic coverage must be the foundation of any good plan.
Cancer, Heart Attack and Strokes are the 3 top killers in America. Car wrecks also happen every day. The primary thing you must have coverage for is major medical treatment. Buying a plan that has a low deductible, a $25 doctor visit copay and wellness checkups, but has severe limits on the "big things" is not wise.
According a recent Harvard University study, nearly 62% of bankruptcies in this country are due to unpaid medical bills.
We help you avoid these problems by only recommending true major medical coverage without any limits. That way you're confident that you have protection if something catastrophic happens.
WE CAN HELP. CLICK HERE.
In nine out of ten cases we can guide families into better health insurance coverage than they have today. And if we can't improve your current situation, we'll tell you that as well. Let Southwest Health & Life review your health insurance options and put together a plan that fits your needs.
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