Open enrollment for health insurance is around the corner for school district employees in Texas. Are you fed up with the sky high premiums, and lack of benefits? Cannot afford to add your spouse or family? Please take a moment and look at the most affordable, and exceptional health insurance plans in the U.S., and save your family thousands of dollars a year. You are not subject to the government's "Shared Responsibility Fee" with our policies!
Why pay for health insurance benefits that you do not need today, may never need, may not be able to afford today, or other peoples pre-existing conditions? And why have to go through Open Enrollment every year?
U.S. Health Advisors is headquartered in the Dallas/Fort Worth area. We are a privately owned, not-for-profit company, and a subsidiary of the 3rd largest financial corporation in the world, Credit Suisse. Structured to compete against Obama Care and the Affordable Care Act, and to fit any budget, we offer affordable health insurance to individuals, families, and groups with revolutionary benefits. You do have a Choice other than the TRS plan offered by your District! Think:
♦ 3 year guaranteed locked premium rates. Your District plan does not offer this!
♦ Lifetime guaranteed locked premium rates (until age 65) on all Secure Access Plans for any pre-existing condition (cancer, stroke, heart, diabetes, obesity, etc.). Your District plan does not offer this!
♦ Full Comprehensive Health Insurance - Hospitalization, Doctor’s office visits, labs, x-rays, Accident coverage, and Prescriptions.
♦ Dental/Vision. This is probably an “additional cost” under your plan.
♦ No deductibles, co-insurance, or co-pay for 'any services' with our Plans. Your District plan does not offer this!
♦ 6 free (max of $75.00 to $100.00) doctor visits per year that roll over to the next year if not used. There are no maximum number of doctor office visits you can take. After the "6" visits, the cost will be whatever the doctor visit costs, minus the PHCS PPO discount. Your District plan does not offer this!
♦ Double Tier Enhanced Protection Upgrade, from Plan 1 to Plan 3 Hospital Room & Board, and miscellaneous daily expense benefits- only if needed. ***See below*** Again, why pay for benefits if you do not need them today? Your District plan does not offer this!
♦ $800.00 per day for up to 30 days paid directly to you, if you, or anyone on the plan, are confined in the hospital for more than 1 night. You use the money anyway you need. Your District plan does not offer this!
♦ Blanket Excess Medical Expense Coverage of up to $9,500.00, paid directly to you, for a covered accident, per member. Your District plan does not offer this!
♦ Accident benefits that cover you 24/7, on or off the job.
♦ And – Our Premier Med Short-Term Medical-Surgical Expense Plan (part of your policy) allows you to: If you or any other insured plan member suffers a serious medical event (accident, sickness, or catastrophic), resulting in a longer hospital stay or increased medical expenses, you have the right to upgrade to our Premier Med Plan, and have 100% of the total medical costs covered! Your District plan does not offer this!
There is an "average complaint ratio" in the health insurance industry of 8%. Ours is 1/2 of 1%. You can call the Texas Department of Insurance to check on us. You would ask about Freedom Life Insurance, as they are the health insurance company who underwrites the policies. That number is: (512) 463-6169.
The following budgetary premiums include every benefit listed above.
Single woman, aged 30, ranges from $152.00 to $219.00.
Single woman, aged 35, with 2 children, 10 and 5, ranges from $265.00 to $332.00
Single man, aged 30, ranges from $108.00 to $175.00.
Couple, aged 27 and 25, ranges from $204.00 to $271.00.
Couple, aged 35 and 33, with 2 children, 7 and 3, ranges from $336.00 to $403.00.
Couple, aged 50, with 1 child aged 21, would range from $446.00 to $513.00.
Single female, aged 60, ranges from $281.00 to $348.00.
For a family, even with the school employee on the TRS plan, we can save you hundreds of dollars monthly, just by covering your spouse and family!
Per the TRS guidelines, you are perfectly in your right to drop their health insurance at any time, or to just decline coverage during open enrollment.
No doubt you will have a lot of questions, and I will be glad to answer all of them. I have covered many school districts across the DFW area. I schedule appointments 7 days a week, including evenings during the week. If nothing else, let’s see how our premiums and benefits compare to yours. What have you got to lose, plus remember, our Plans have the 3 Year Fixed Premium Rate Guarantee.
Russell White
972-838-3440
russell.white@ushadvisors.com
www.ushagent.com/russellwhite