Contact me for a free Health insurance quote

Over the last few years, but especially recently, the entire structure of health insurance has changed.  With the introduction of the Affordable Healthcare Act, millions of Americans were given access to healthcare; who were previously unable to receive it.  However, for the majority individuals and families, the Affordable Care Act created many problems with their healthcare.  Such as, losing their doctor, smaller networks, very high premiums, very high deductibles and more, making it unaffordable and unusable.  More than ever, many of my clients have reevaluated their needs and their choices when it comes to health insurance.  Choosing an insurance plan on your own can be an overwhelming task.  As an experienced Health insurance agent, I know the different restrictions and benefits tied to each type of Health Insurance Plan.  Let me take the overwhelming burden away by helping you choose a plan that suits you and/or your family’s needs and budget.

There are two general types of health insurance, Group and Individual.  Within them, there are Major Medical plans, such as HMOs or (PPOs – employer group only) and there are Alternatives to Major Medical plans, which are also PPOs.

Major Medical is the “you pay first” then “insurance company pays second” model.  Major medical has the most costly premiums, deductibles, and highest out of pocket yearly cost.  You have the high deductible to cover first, maybe some copays, then a percent of the bill, and then they pay their percent.  These plans are mainly designed for people with serious pre-existing sickness/illnesses, who have expected expensive yearly medical costs, and need to be approved with no medical questions asked.  This certainly drives the premium higher, since the insurance companies are expecting to have high costs to cover your anticipated medical expenses.

Individual Alternatives to Major Medical usually pay benefits right away, without you having to pay a large deductible first.  They are designed for people that are either healthy or relatively healthy (some conditions are acceptable).  These plans are medically underwritten and they are rated based on the expected expense you represent.  You get the benefit of paying much lower premiums, deductibles, and over all yearly costs.  If you get sick or injured, the plan pays defined benefit amounts chosen at time of purchase for covered services.  You can customize the coverage of this plan to fit your needs and budget.  Most times you can add riders that will enhance the base coverage, giving you a great way to protect you and/or your family from an unexpected financial burden.  This is the best way to keep the cost low and stay protected from the unexpected sickness or injuries.

High end comprehensive alternative PPO's have the highest growth in popularity ,and are high in demand in the individual market today.  They are affordable high end defined benefit plans that are in one of the  largest national PPO' networks called PHCS, such as Philadelphia American Life insurance company.  They allow you customize the coverage, add affordable riders that enhance the coverage, negotiate rates with providers if you choose to in addition to the already negotiated rates.  If you are relatively healthy, these medically underwritten plans will save you thousands per year in health insurance and medical costs, giving you back control of your medical cost.

“An affordable approach to health care”

These plans are not advertised and are sold “wholesale direct” through brokers like myself.  They are medically underwritten.  The carrier only approves and issues policies if the health is acceptable (some medical conditions accepted) the insurance carrier’s cost savings is passed onto you in the form of a lower monthly premium and a lower annual deductible.

Smart phones, smart TV’s, even smart homes, why not Smart Health insurance?

Call me today at 214-490-9967 or send me a quote request through this site, there is no commitment or cost to you for requesting a quote and it can save you thousands per year!

One of the hardest things for anyone to face emotionally and physically, is Critical Illness.  During these times, you and/or your family can be put in a position to care for their loved ones. Â With a Critical Illness policy you can have a lump sum benefit in place to better manage this crisis.

The top cause of people in the USA to go bankrupt, is an unexpected medical expense of a large scale such as a critical illness.

So what does this policy cover?

MAXIMUM CRITICAL ILLNESS BENEFIT
Insured and/or Spouse: $10,000 / $20,000 / $30,000 / $40,000 / $50,000 max
Dependent Children: $10,000 max

COVERED CONDITIONS BENEFITS PAYABLE                                       PPERCENTAGE
Benefit category 1
Cancer (Internal Cancer)*                                                                                100%

Non-Invasive Carcinoma In-Situ                                                                    25%
(if metastasized, balance will be paid)

Benefit category 2

Heart Attack                                                                                                        100%

Stroke                                                                                                                    100%

Coronary Artery Bypass Surgery**                                                                  25%

Angioplasty                                                                                                           10%

Pacemaker Implant                                                                                             30% / 40%
(single chambered / double chambered)

End Stage Renal Failure                                                                                     100%

Organ Transplant (heart, lung, liver, pancreas)                                            100%

Organ Transplant (kidney)                                                                                50%

The benefits listed above can be used at your discretion once the illness has been diagnosed, and they are payable directly to you. Expenses such as deductibles, house hold bills, and treatment not covered you medical policy are a few options.

Your money, your choice!

An accident can be an unexpected nightmare that we can never be to prepared for! Approximately 70% of all claims are due to unwanted/unexpected injury, in other words an accident. We are all expected to have some sort of accident in our life time, be it auto, sports injury, on the job. These kind of claims tip the scale in the billions annually. When accidents happen, your income can decreased due to time off and doctors appointments. Leaving you to face a harsh reality of “How am I going to pay my bills”?

24 Hour Accident Expense Plan helps cover medical expenses and living costs when you get hurt unexpectedly. Benefits are also paid for Accidental Death, Ground or Air Ambulance, Daily Hospital Income and Dismemberment. An Optional Accident Disability Benefit Rider is available up to $2,000 per month

These Accident Plans are an essential rider to your core health plan, they help pay you back for your out of pocket expenses.

ENHANCED ACCIDENT PLAN FEATURES

> 4,000 of accident coverage available

> Guaranteed renewable to age 80

> $100,000 of Accidental Death Benefit

> Pays in addition to any other insurance

> Individual, Individual & Spouse, Single Parent,

Family, and Children Only coverage available

> Optional Accident Disability Income Benefits

for the Primary Insured.

The Minimum Essential Coverage PPO rider (MEC) is an add on rider, it helps individuals pay for their wellness/preventive needs.

(This minimum essential plan provides 100% covered access to medical screenings, vaccines, counseling and more. With this plan, members will have access to the MultiPlan PHCS PPO Physicians and facilities.) 

Minimum Essential Coverage PPO Plan HIGHLIGHTS: 

> Preventive Minimum Essential Coverage : 100% covered No-Consult Fee for screenings, vaccination, counseling, and other services.

(For newborn and children, teens, well woman and man)

>Pay-as-you-go monthly, cancel anytime with no early cancellation penalty.

>One of nation’s largest PPO networks called MultiPlan PHCS

>There is a $4.00 monthly draft fee.