Our mission is to give equal service to all companies without regard to their size. With over 30 years in the insurance industry, we have had the opportunity to witness the many changes in laws and plans that employers have had to work with. With COBRA, HIPAA, and the other laws, it is our goal to keep every client fully informed. We handle our customers with straight honest talk and the action necessary to back it up. As members of the Houston Association of Health Underwriters, we keep up to date on the changes employers are faced with on a daily basis.
Services
We believe that service is the most important ingredient in maintaining a strong relationship with our clients. Whether you have an HMO, PPO or Dental program, you still deserve good service. Being in the insurance industry as long as we have gives us a strong knowledge of the products available and the service requirements associated with each.
Health maintenance organizations are prepaid health plans. As an HMO member, you pay a monthly premium. In exchange, the HMO provides comprehensive care for you and your family, including doctors' visits, hospital stays, emergency care, surgery, lab tests, x-rays, and therapy. The HMO arranges for this care either directly in its own group practice and/or through doctors and other health care professionals under contract.
The preferred provider organization is a combination of traditional fee-for-service and an HMO. Like an HMO, there are a limited number of doctors and hospitals to choose from. When you use those providers (sometimes called "preferred" providers, other times called "network" providers), most of your medical bills are covered.
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
Reviews (1)
Leigh Ann Wells
Jan 06, 2019
