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Insure Your Most Important
Asset – Your Health
When you run your own business, hold yourself accountable in your
self-employed role, have family to take care of, or assets to protect, you don’t have the time or resources to:
The bottom line? Diana Reeves Health Insurance bundles suitable solutions to build a medical plan that takes care of you.
An insurance plan tailored to your needs
Access to doctors and hospitals in your area
Answers to all of your insurance and healthcare questions
Industry insight from over 2 decades of medical background experience
Ability to make up for lost wages to fund time off work, cover deductibles, travel expenses, childcare, and more
Finding medical insurance that fits your lifestyle doesn’t havz
The bottom line? Diana Reeves Health Insurance bundles suitable solutions to build a medical plan that takes care of you.
A Preferred Provider Organization (PPO) allows you the freedom to choose your own doctors and facilities. Even if the doctor or facility is not in-network, the insurance still pays benefits. A PPO also allows you to go straight to a specialist without having to ask for a referral from a Primary Care Physician.
A Health Maintenance Organization (HMO) may only give access to a limited number of doctors and facilities in its small regional network. If you seek care out-of-network, then the insurance company may not be responsible for any of the bill unless it’s deemed a life-threatening emergency. An HMO typically requires you to have a referral from your Primary Care Physician before being able to see a specialist.
When enrolling into the Affordable Care Act (ACA) or Marketplace, one must either qualify for a Special Enrollment Period or be in the state’s Open Enrollment window. Open Enrollment in Texas is from November 1st to December or January 15th and the plans begin on the 1st of the month following enrollment.
Private insurance is not regulated by the government, so those plans are available for enrollment year round.
Ready to find a comprehensive plan for your health needs? Call Diana Reeves at 713-806-5966 or schedule a consultation.
Outside of an employer, health insurance rates are primarily based on the zip code, age, and gender of everyone on the plan.
Yes! The difference can be substantial. For example, the average cost of a medical exam is about $80 to over $400. With insurance, a basic medical exam costs anywhere from $0 to $75.
Here are a few more examples of the estimated cost difference for common medical services as an uninsured patient compared to an insured patient:
Avoid paying out of pocket costs for essential medical care and find a plan that works for you. Call 713-806-5966 or schedule a consultation with Diana Reeves today.
According to UnitedHealthcare, the average cost of an ER visit in the U.S. for someone who is uninsured is $2,200. Uninsured patients are looking at a general range of $250 to $17,000 for an ER visit depending on the severity of illness and treatment required. This does not include additional expenses like testing, lab fees, and even an ambulance ride, which can cost about $400 to $1,200.
With insurance, the average cost of an ER visit can be paid with a co-pay of $0 to $90. Even when facing a large ER bill, your insurance may be responsible for covering part or most of your visit depending on your deductible.
There are a number of reasons you may find yourself needing a medical exam, including:
Enroll in a health insurance plan for you or your family members to remain covered, no matter what.
We offer self-employed individuals, traveling professionals, families, and small businesses portable PPO plans that include wellness and health screening benefits and 24-hour coverage.
As a small business owner with 10 or fewer employees, we can help you find a comprehensive customized PPO plan for you, your family, and your staff. If a group plan elsewhere better fits your needs, no problem! We’re happy to help with passing referrals.
