RY Insurance Agent
Here are some things to keep in mind when shopping around for Health or Life Insurance:
When visiting websites to look at insurance plans, be careful when entering in your information such as name and telephone number. Your information may be sold to other agents in the form of a "lead" and you will be called by many agents who bought your information to sell you insurance. On my website, your information will never be sold!!
Make sure that you ask questions to the agent that you speak with. Ask them about preexisting conditions, deductibles, maximum out of pockets, benefits, and exclusions.
Review, Review, Review the summary of benefits. Never buy a policy without reviewing with your agent the summary of benefits. This summary of benefits gives you a good idea of what is covered and how much you should expect to pay.
Health Insurance can be tricky. Do you need help understanding your policy? Are you searching for an Insurance plan that fits your needs? To be honest, there is a vast variety of options to choose from. To make sure that you enroll into the right policy for you, I can help. I will explain what you can expect from a policy. Once enrolled, you can be confident that the policy you choose, will provide the coverage you need.
To enroll in a life insurance plan, please fill out the contact form at the bottom of the page, and I will contact you shortly or call 361-461-4117
Need Major Medical?
Start your search here. You may qualify for a Health Insurance plan from the marketplace with assistance to pay the premium. These plans are generally structured around a persons location and income. These plans do cover preexisting conditions and there are services that are available to you at no cost. Ask about these services and other plan benefits. Here are some things to consider:
There are time limitations to enroll into a plan called Open Enrollment and Special Enrollment Periods.
You have 60 days after a Qualifying Event to enroll into a plan. An example of a Qualifying Event would be the loss of job based insurance. Ask about other Qualifying Events to see if you can enroll.
Many plans do not cover Dental or Vision for Adults. So be sure to check out the Dental and Vision options.
These plans cover preexisting condition and are mostly structured as HMO's.
Don't have a Qualifying Event? Short Term may be the answer.
Short Term Medical Insurance Plans offer you coverage for a specific amount of time. It may be three months or twelve months. You have the flexibility of choosing how long you want to stay on the plan. These are good alternatives for those not wishing to enroll in a Marketplace plan or those who do not have a qualifying event. These plans generally have more limitations than a Marketplace plan, so a thorough review of the Summary of Benefits is advised. If shopping around, make sure your agent reviews it with you. Some things to consider:
You do have PPO options
You can supplement this coverage with other plans such as Dental, Vision, and Hospital Indemnity plans.
May be an affordable option for high income individuals and families who do not qualify for a Marketplace plan.
Review the Summary of Benefits with your agent.
Check out some plans below, just click the link and it'll take you to a free quoting platform.
Looking for Dental or Vision?
Check out the plan options by clicking the links. Not all Dental and Vision plans are created equal, so make sure to go over the plan brochure for the details. Some things to consider
Benefits may increase over time
Large network of Doctors
Don't forget about Cancer or Critical illness insurance
Add an extra layer of protection!! These plans give you some peace of mind should the unthinkable happen. In general, these plans will pay you a benefit should you be diagnosed with cancer, suffer a heart attack, or stroke. You choose the benefit amount. The benefit goes straight to you or someone you chose and you can use it to recoup losses from Medical Bills, Loss of Work income, or other necessities that may be needed. Check out the options by clicking the links below
Need Life Insurance, here are some options
Can't decide between Term or Whole life? I can help you. There are advantages that each of these plans have, so choosing the right one that suits you is definitely possible. Here are some considerations:
Whole Life insurance generally offers level premiums and some plans accumulate a cash value that you can borrow against in time. These are long term plans that are suitable for all ages. These plans generally cost more, but the savings aspect makes them well worth it.
Term Life insurance is an affordable option where you can choose how long you want the insurance. You can chose 10 years or more. These plans may not have a level premium and premiums may change year after year. If your budget is tight, maybe a Term Life Insurance plan is the way to go.