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You must enroll into a plan by December 15th or wait until next year

We have solutions for every family!     What good is health insurance coverage if you cannot afford to access care, due to high deductibles and out of pocket cost.
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HEALTH INSURANCE OPEN ENROLLMENT - 2019 Important Dates to know

If you are enrolled or enrolling in Medicare and would like additional information, you can call us at 800-362-2809 or CLICK HERE  We have Medicare Specialist on staff to assist you with making an informed decision regarding your 2019 plan.

If you are under 65 years of age and enrolled or enrolling with individual insurance plan, NEW Plans have been introduced into the market that provide lower cost alternatives to the traditional plans within the exchange.   If you or your family are seeking coverage, call our staff at 800-362-2808.   

We have solutions for every budget.

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Why are you overpaying for your health coverage?

Advantages of joining a Cooperative

  • Cost -   In most cases, the cost of joining the coop is far less than traditional medical insurance.
  • Out of Pocket Cost -  Cost for medical care is significantly reduced when using a coop provider
  • Local -  The coop providers are local and work in same community as the members therefore, can work and refer to other coop provider for necessary treatments
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Flood Insurance Offers a tremendous value and peace of mind

For the most part, flood insurance is inexpensive.    A policy for a property outside a flood zone, averages around $450 per year.  ( Visit our website for rates).   Since we live on the Gulf Coast, it is not a matter of "IF" another storm will hit but rather, "WHEN" a storm will occur so a flood policy is a great value and worth the peace of mind.
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What? We need to start Preparing for Hurricane Season Already?

We hope we never see another disaster like Harvey again.   Many of our Family, Friends, Clients in our community lost everything.  Flash floods are the most common natural disaster in Texas. Most home and commercial policies do not cover flood damage. You'll need a separate flood policy, usually from the National Flood Insurance Program (NFIP). These flood insurance policies typically have a 30-day waiting period before coverage takes effect.

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Making Healthcare Affordable Again!

Our practice has worked with clients for the past 30 years, providing viable solutions for financing their healthcare cost through risk transfer (insurance), Discounted medical services and general advocacy. We have been working with a local Physician Patient Cooperative that is working to help solve the healthcare crisis in our country. A Physician Patient Cooperative is a group of medical providers that form an association for the purposes of providing medical care to the members that participate. As long as you receive direct medical care from a PPC provider, there is little, if any additional cost, other than the membership fee. This works for Doctors, Labs, Imaging and other basic services. When combing the PPC with a catastrophic hospitalization plan, we are able to offer our clients an affordable alternative for healthcare that was not previously available to them.   The cost for the PPC is $109 / month and with a limited Hospital plan, the monthly cost can be as low as $179 / month. If you would like to see if the PPC is a viable option for you individually or your company, call Crystal Calaway at 281-448-3040 or click here
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Got the Message?

This was the head line on the first page of the Houston Chronicle (click here for the full article). "Got the message?  Buy flood insurance", written by Mihir Zaveri in the April 11th 2018 edition.    Harris county is planning a massive billboard campaign, aimed at making Houston and surrounding area residents aware of the need for flood insurance.    Hurricane Harvey, devastated our city and 83% of the 1.4 million buildings lacked flood insurance, according to Zaveri.
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Do you think your teen would use an app that offers a chance to win gift cards if they avoid using their phone while driving?

Do you think your teen would use an app that offers a chance to win gift cards if they avoid using their phone while driving? It's called  TrueMotion Mojo, an app that can help and it's free. I've used it and it's actually kind of fun.
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Our clients often ask us to explain the difference between the replacement cost and the market value of a home.

The answer is often much different than people think.

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Breaking News! Changes is Law allow small employers to reimburse employees for Individual Insurance Plans using a HRA.

  In the past, only traditional Group Insurance Plans qualified for pre-tax savings.   However, changes in the health insurance law are now allowing employers to provide a tax savings plan for their employees that have individual health insurance coverage.  As an employer with less than 50 full time employees, group healthcare may not be an affordable option; however, providing healthcare expense relief to your employees at a tax savings is a great option to explore.   The plans will allow premiums for individual insurance to be made before taxes are calculated.   This will reduce the payroll tax burden for the employer and employee - therefore, this is a win-win! With a Qualified Small Employer HRA, you enjoy the flexibility of choosing the plan option that best works for you. Want expenses reimbursed? Want to allocate a set amount for qualified expenses? Choose from three types of plans: Insurance premium reimbursement only: Allows an employer elected doll ...
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