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Employer Benefits

Group Benefits

Employer-sponsored health plans to attract and retain top talent. Find the right plan structure for your business.

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Fully Funded

Traditional group health plans with predictable monthly costs and comprehensive coverage for employers.

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Level Funded

Hybrid plans combining predictability of fully insured with potential cost savings of self-funded.

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Self Funded

Maximum flexibility and cost control for larger organizations that want to manage their own risk.

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MEC Plans

Minimum Essential Coverage plans to meet ACA employer mandate requirements affordably.

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Common Questions

Frequently Asked Questions

We understand that you may have questions about insurance coverage, enrollment, and our services. Below, we've compiled answers to the most frequently asked questions to help you make informed decisions.

Insurance Basics

What is a deductible?

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder. Deductibles vary by plan and can range from $500 to several thousand dollars.

How can I make sure that I have coverage for my valuables?

When speaking with your agent to set up your policy, discuss any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage.

Do I need to get a new appraisal to renew or change my coverage?

No. You do not need a new home appraisal during the renewal or coverage change process. However, you may want to update coverage amounts if your property value has significantly changed.

What types of insurance do you offer?

We offer comprehensive insurance solutions including Health (individual or group), Medicare, GAP, Life, Annuities, Voluntary benefits, and many more. We can access any insurance product to get the right one for you.

Health & Individual Coverage

What is secondary insurance and do I need it?

Secondary insurance helps cover medical deductibles and out-of-pocket costs that your primary major medical insurance doesn't cover. It requires you to have existing major medical coverage and can significantly reduce your healthcare expenses.

Are insurance rates protected?

Yes, all rates are protected until January. Find an agent near you to see how you can help cover your medical deductible with rate protection guarantees.

What does secondary insurance exclude?

Secondary insurance typically excludes procedures not covered by your major medical insurance, doctor copays, prescription drugs (RX), and doctor fees. Coverage varies by plan.

How do I choose the right health insurance plan?

Our agents will assess your healthcare needs, budget, and preferred doctors to recommend the best plan. We consider factors like deductibles, copays, prescription coverage, and provider networks.

Medicare & Senior Coverage

When can I enroll in Medicare?

You can first enroll in Medicare during your Initial Enrollment Period, which begins 3 months before you turn 65 and ends 3 months after your 65th birthday. There are also Special Enrollment Periods and Annual Open Enrollment from October 15 to December 7.

What are the different parts of Medicare?

Medicare has four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Each part covers different healthcare services.

Do I need Medicare supplements?

Medicare supplements (Medigap) can help cover costs that Original Medicare doesn't pay, such as copayments, coinsurance, and deductibles. Our Medicare specialists can help you determine if a supplement plan is right for you.

How much does Medicare cost?

Medicare costs vary depending on the parts you choose and your income. Part A is usually premium-free, Part B has a standard monthly premium, and Part D and supplement costs vary by plan. We'll help you understand all costs involved.

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Expert insurance guidance and personalized coverage solutions for individuals and families across Texas.

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