Open Enrollment is here: Revolutionary, Private Health Benefits Solutions that, typically, save Teachers 20-50% over TRS group rates.

Why pay for benefits you do not need today, may not be able to afford at this time, may never need, or for other people’s pre-existing conditions, or older ages?  And why have to go through Open Enrollment every year, year after year? 

With 'open enrollment' about to start, this is the perfect time to address your options.  I am a health insurance benefits agent for U.S. Health Advisors, a privately owned health benefits company headquartered in the DFW area.  With, typically, 20-50% lower rates than TRS policies, our solutions were developed to fit any budget.  We offer PPO coverage only.  And with the two largest PPO providers in the U.S., Cigna and PHCS.  You actually have to be approved by underwriting to be accepted.

I know that TRS is the 'official' health benefits plan of Texas for most school districts.  And yes, I also know that school districts, subsidize their employee's health insurance.  But we all know that once you add a spouse and kids, the premiums skyrocket, and are unbearable for most teachers.  I have converted many Texas school teachers, and employees,  to our policies, from the TRS coverage.  Please take a moment and look at the most affordable, and exceptional health insurance plans in the U.S., and typically, save 20-50% over what you are currently paying monthly.  We are the proud winners of the coveted Stevie Awards, Number One Gold Award, for  Health Insurance Benefits Company in the U.S. for 2016. And the fastest growing company in that industry for the last 4 years! 

Benefit Examples:

  ? No Deductibles, no co-insurance, and no co-pays for healthy clients.

  ? Guaranteed 15 month Fixed Premium Rate Locks for healthy people, with a 10% benefits increase, compounded yearly for 5 years.

  ? Guaranteed 3 Year Fixed Premium Rate Locks for standard policies.

  ? 6 free (max of $75.00) doctor's office visits per member.  Unused visits roll over to the next year.

  ? dental and vision

  ? PPO coverage  only: Cigna and PHCS.

  ?100% catastrophic coverage

  ? Prescription coverage

  ? And much more.

Premium Examples: You should not be paying ‘more’ than this, if you are in generally good health condition.

  ? 30 year old woman, single: $184.00.

  ? 30 year old female, single, one daughter aged 3: $249.00.

  ? 30 year old male, single: $131.00.

  ? Family, adults aged 30, one male child age 3: $321.00.

  ? Family, adults aged 40, two kids, one male age 18, one female age 10: $450.00.

  ? 50 year old man, single: $268.00.

  ? 50 year old woman, single: $260.00.

  ? Family, two adults age 50, one son age 20: $535.00.

  ? 63 year old man and 60 year old wife: $781.00

** And, if there are two adults, and perhaps kids, you can leave the school district employee on TRS, and move the others to a U.S. Health Advisors Plan and save, typically, between 30-40% more. **

U.S. Health Advisors offers different types of plans for all health levels.  All customized specifically to your sex, age, health history, and budget.