Health Insurance for Individuals and Families |
I continually review over 30 health insurance policies to offer you the best values in health insurance. Currently, I recommend Aetna, Blue Cross Blue Shield, Golden Rule, HumanaOne, and UniCare. For those individuals age 50 to 64 I am one of the few agents authorized to offer the AARP health plans through Aetna. Please call, fax or e-mail me for rates and outline of coverage.
Click here to submit a UNICARE application online.
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Qualified High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA) |
These are the big news for 2008! A HSA is a savings account that is combined with a HDHP. The money you deposit in a HSA is not taxed if it is used to pay for qualified medical expenses. Let me show you how a HDHP and a HSA can save you taxes and lower your health insurance costs.
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Is Group Insurance for your Dependents Too Expensive? |
I have the solution: Save hundreds of dollars per year. I have the best Child(ren) ONLY Policies available in the individual market.
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| Maternity |
Maternity is almost non-existent in the individual health insurance market. Let me show you the best options to cover this in the individual market.
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| Short Term Medical Insurance |
| Instant Coverage...Single Payment from 1 to 6 months or Pay monthly up to 6 or 12 months - The Perfect Solution...Between Jobs or Laid Off, Need a COBRA alternative, Part-time or Contract Labor without benefits, Waiting for Group Coverage, or Dependents Falling Off Parent's Health Plan?
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Overseas Travel Medical Plan |
| Up to 12 months for Individuals Traveling Outside of their Home Country.
Click here to apply for a Overseas Travel Plan. |
| Uninsured, Can't Afford Medical Coverage, Been Denied Coverage Because of Pre-Existing Conditions?
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Call me because I have Affordable, Guarantee Issue Health Plans that work.
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Health Insurance for Groups |
I specialize in the 2 to 50 employee group market. I currently recommend US Health & Life PPO Plans, Humana PPO Plans, Blue Cross Blue Shield PPO/HMO Plans, United Health PPO/HMO Plans, and Aetna PPO/HMO Plans. Let me show you how to reduce your company's group health insurance costs and include group dental, life and Short and Long Term Disability.
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| Dental Coverage for Individuals and Families |
I offer the most complete DENTAL Coverage in the individual market. There are many choices. The two I recommend are as follows:
(1) A Fully Insured Dental Indemnity Policy where you can go to any dentist
(2) Dental HMO Plans where for a Copay you receive treatment from a select group of private dentists:
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SafeGuard Dental Indemnity Plan
750-751 Zip Codes
Single
$28.00
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Single + 1
$54.00
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Family
$77.00
752 Zip Codes
Single
$32.00
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Single +1
$62.00
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Family
$85.00
United Dental HMO Plan
Single
$10.86
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Single + 1
$17.51
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Family
$26.89
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Life Insurance |
Most American families don't have enough life insurance protection or they are paying too much. Most people could save 25% to 50% on Life Insurance if only they did some cost comparison and learned a little about the product. I represent many companies in the life insurance industry to offer you the best buy to fit any need or budget. I offer low cost Term Plans, Term Plans with Return of Premium, Universal Life and Whole Life Plans that build cash value, Mortgage Protection Plans, Last-To-Die Plans for Estate Planning, Children's Life Insurance, Final Expense Plans, and Guarantee Issued Policies.
I offer anyone a FREE ANALYSIS of their current life insurance policies or their life insurance needs.
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Disability Income |
Is Your Income Protected? It should be! The protection you're most likely going to need is the one you most likely don't have. I offer both short-term and long-term income protection plans for every occupation.
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| Critical Illness Insurance |
A Critical Illness Insurance Policy pays you a lump-sum benefit when you need the money the most - upon diagnosis of some the the most costly illnesses and conditions. Benefit amounts are from $25,000 to $1,000,000. Optional Benefit: Disability Income Benefit.
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| Supplemental First Diagnosis Cancer or Heart Attack Policies |
If you have a family history of cancer or heart problems in your family I would strongly recommend a First Diagnosis Policy which would pay an INSTANT CASH BENEFIT of up to $50,000.
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| Medicare Supplements and Medicare Part D Rx Plans |
When a person turns 65 most purchase a Standard Medicare Supplement and a Part D Drug Plan. I offer the Best Value on all of the standard Medicare Supplement Plans from A to J including the AARP Branded Plans through UnitedHealthCare. Also, I am certified to analyze your current Rx Drugs to recommend a drug plan that will provide you with the best coverage.
This year we have seen an increase in Medicare Advantage (Part C) Plans where a person turns over their Medicare Part A & B to an insurance company to pay their medical claims. The premiums are less but make sure you understand what you are giving up. I am certified in most of the HMO, PPO and Fee-For Service Advantage Plans.
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Long Term Care |
1 out of 2 Americans will need Home health Care or will go to a Nursing Home once a person reaches 65. I have been assisting clients, age 50 and over for nearly 20 years with solutions to protect their assets and life savings. I provide a FREE Report to anyone who asks on how to protect everything that a person has worked so hard to build, how to keep your independence, and, most important, how to keep your dignity.
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Annuities |
Over the years I have assisted people in setting up savings programs and/or helped clients earn and keep more of their savings by transferring money from a Bank's CD to an Insurance Company's TAX-DEFERRED ANNUITY. Please call me if you are unhappy with your investment return or if you would like to stop paying income tax on your earnings.
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Please call me if you have any questions or if I can help you in any other way.
Sincerely,
Rick Horch |
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| Copyright Rick Horch 2003 | All Rights Reserved.
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| 11325 Pegasus Street Suite S-102 Dallas, TX 75238 Phone: (214)-348-1877 Toll Free: (800) 613-0402 Fax: (214) 343-2534 |
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