Absolutely nothing. Our services are 100% free to you. We are compensated directly by the insurance carriers when you enroll in a plan, so you receive expert, unbiased guidance at no cost whatsoever.
No — we are completely independent brokers. We are not employed by or exclusively contracted with any single insurance company. This means we can objectively compare plans from 20+ top carriers and recommend what's truly best for your situation.
The main ACA Open Enrollment Period runs from November 1 through January 15 each year. However, qualifying life events — like losing a job, getting married, having a baby, or moving — can trigger a Special Enrollment Period. Medicare has its own enrollment windows. Contact us to confirm when you can enroll.
A Special Enrollment Period allows you to enroll in or change health insurance outside the standard Open Enrollment window. Qualifying events include losing employer coverage, changes in household size (marriage, birth, adoption), moving to a new coverage area, and income changes. You typically have 60 days from the qualifying event.
HMO (Health Maintenance Organization) plans require a primary care physician (PCP) and referrals for specialists. They are generally lower cost but restrict you to in-network providers. PPO (Preferred Provider Organization) plans offer more flexibility — see any doctor without a referral, in or out of network. EPO (Exclusive Provider Organization) plans combine elements of both: no referrals needed, but out-of-network care is not covered except in emergencies.
It depends on the plan's network. When we recommend plans to you, we always check whether your current physicians and preferred hospitals are in the plan's network. We will never suggest a plan that forces you to leave a doctor you value without clearly communicating that to you first.
You should enroll in Medicare during your Initial Enrollment Period, which begins 3 months before your 65th birthday and ends 3 months after. Failing to enroll on time can result in permanent premium penalties. If you're still on employer coverage, different rules apply. Schedule a free Medicare consultation with us — we'll make sure you don't miss your window.
Medicare Advantage (Part C) replaces Original Medicare and is offered by private insurance companies. It often includes dental, vision, hearing, and drug coverage with low or $0 premiums. Medicare Supplement (Medigap) works alongside Original Medicare to pay costs like copays and deductibles. The right choice depends on your health needs, budget, and preferred providers. We'll walk you through both options in detail.
In most states, including Texas, you need at least 2 eligible employees to qualify for a small group health plan. There is no maximum — we work with businesses of all sizes. Even sole proprietors who count themselves as employees may have options. Let's talk and find out what's available for your business.
Yes! Many modern group health insurance programs offer defined contribution models or multi-plan designs that allow employees to select from a menu of plan options. This gives your team flexibility while keeping your costs predictable. We specialize in designing these flexible group benefit solutions.
Still Have Questions?
Our Stone Oak health insurance experts are happy to answer any question — no matter how simple or complex. Reach out anytime.