Medicare Supplement Plans, or Medigap, work with Original Medicare to lower out-of-pocket costs.
Looking for an alternative to Original Medicare? Medicare Advantage Plans offer coverage identical to Original Medicare with added benefits.
Prescription Drug Plans, or Medicare Part D, covers medically necessary medication — something not covered by Original Medicare.
Hospital Indemnity Insurance helps provide additional financial support when you need it the most.
Want dental insurance with no waiting period? Proper dental care can be an important component of our well-being.
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses, and glasses.
Get your quote online or call one of our agents at (832) 626-7791
Find affordable, reliable, easy ACA coverage options. ACA plans are designed to help save you money on the federal marketplace and other state-based marketplaces.
Limited Medical Plans is supplemental insurance that pays you fixed benefits to help with every day medical expenses. You can use its benefits alone or in addition to your primary insurance to give you extra help with those unavoidable out-of-pocket expenses.
Association health plan (AHP) is a type of group medical insurance for employers that allows smaller companies (as well as freelancers and the self-employed) to access the health insurance savings associated with large group medical coverage.
Faith-based plans (also known as healthcare sharing plans) are designed to accomplish the same fundamental goals as traditional health insurance.
Short-term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency.
Our Critical Illness Protection Plan is insurance that pays a lump-sum cash benefit directly to a covered employee after a diagnosis of a critical illness. The amount of the cash benefit is based on the condition, covered expenses, and treatments covered by the employee’s plan.
When it comes to the health of you and your family, unexpected or long-term hospitalizations should not be a time to worry about medical costs. Hospital indemnity insurance helps by putting recovery first over hospital bills.
Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover. Typically plans pay based on the number of days of hospitalization.
Even if your medical insurance covers most of your hospitalization, you can still receive payments from your hospital indemnity insurance plan for extra expenses while recovering.
You pay monthly premiums for your hospital indemnity insurance plan. If you are admitted to the hospital for an injury or illness, your hospital indemnity plan makes cash payments to you.
And with the payments going directly to you, you can use these emergency funds to pay for costs not covered by your health insurance, health insurance deductibles, copays and coinsurance, childcare expenses while you are in the hospital, or cost-of-living expenses as you recover.
For most plans, there are no deductibles and you are not limited to provider networks.
In general, most plans pay for:
For higher monthly premiums, some hospital indemnity plans may cover other hospitalization-related services such as:
Coverage and cost vary with every hospital indemnity plan. Here are questions to ask so you understand the details of the plan you choose when you enroll.
Like many supplemental insurance plans, hospital indemnity insurance is typically lower in cost, depending on the plan and coverage. Affordable hospital indemnity plans are worth considering if your existing health insurance plan has limits on hospitalization coverage.
If you are starting a family, a hospitalization indemnity plan can help cover the costs of hospital childbirth and post-childbirth hospital stays. Also, as you become older, the potential for hospitalization may increase. A hospital indemnity plan offers peace-of-mind protection for the unexpected.
Call (832) 626-7791 now. Our support team is ready to answer questions about your Medicare or health insurance and put together a comprehensive plan that fits your needs.