Insurance made easy! | Frisco, Denton, and North Texas Insurance Brokers
Today I'm starting a new blog series. This series is intended to connect my readers in the Dallas, Plano, Frisco, and Denton areas with resources to help their growing family. I know how difficult it can sometimes be to find reliable, trusted resources to provide you with the information and services you are needing. I can personally vouch for the people or companies represented throughout this series. I'm excited to provide quality resources and information for new or expectant moms, families, and anyone else that could benefit.
What does an Insurance Broker have to do with photography, you may wonder? Well, as someone who is self-employed, I don't have a company providing insurance for me. And even if I did, how would I know it was the best coverage and price? If you have ever been in this situation, you know how confusing and overwhelming it can be to try to sort out what is best for you and your family and not break the bank. That's is where Katherine and John come in! After meeting Katherine and John and learning about the services they provide, I had to share. It would be criminal not to!
As a former teacher I am also all to aware of the (*cough, cough) uuummm.... let's just say minimal coverage, high cost insurance that is available to them. Fredrick Insurance Brokers can definitely help out all my teacher friends as well! I encourage anyone to give Katherine or John a call and just sit down with them for a few minutes to hear more about what they can do for you and your family's insurance needs. I got to do just this, and am able to share a little bit about what I learned from them
Here is our interview:
Tell me a little about the services you provide.
We provide health insurance coverage to both Individuals and Group. Our Flagship product is outside the Affordable Care Act (ACA) so it is 40 to 50% less with much better coverage. We are brokers, meaning we do not represent just one insurance company. This allows us to offer our clients the best possible policy for their particular needs.
Who would benefit from contacting you, and how?
We can help everyone, even if it is to advise them to keep their current plan or to go to the marketplace for their coverage. Most people we are able to improve their situation. We are hands on and just a text/email or phone call away if or when the time comes the client needs to use their health plan and needs some direction. Sometimes they have forgotten how their coverage works when it comes time to use it. We educate along the way with emails too. I like to tell folks, keep my number in your phone and think of me like you would you auto insurance person. If you get in an accident, you call them. We want you to call us to.
What is the best advice you can give people about finding the right insurance?
There are a couple things that come to mind.
Don’t do business with an insurance agent who is locked into one plan. This ties their hands in offering the best policy for your situation.
Get with an agent you can count on to be an expert in the industry and is there for you long after you have purchased your policy.
Last question, what makes your group plans better than most available?
Sometimes those other plans in the marketplace are better for the employer/employee. However, if not, and they qualify for our Flagship product, we can save them 40%-50% on their premiums with better coverage.
Recently we helped a small business in Oklahoma City who pays 100% of their employees’ health insurance. They were paying 80K/year. They now pay $47K per year and have their income protected with critical illness coverage, accident & disability coverage and so much more!
With group plans there are rate ups and loads. This is insurance lingo that means the risk is spread out between ALL employees regardless how healthy one might be. As a result, the rates are higher than they need to be. So you have a healthly 25 year old paying the same as 55 year old unhealthy person. In turn the 55 yr old is paying for maternity they don’t need.
The beauty of our Flagship plan is it is an individual plan at individual rates, but it is guaranteed issue just like the other group plans.
There ya go! Insurance is one of the most important things you can have for your family. Hopefully you'll never need it, but when you do, wouldn't you feel better knowing you have the best coverage for the best price? Give Fredrick Insurance Brokers a call! What have you got to lose?