- Protection and Peace of Mind.
- Saving you time and money.
- Local knowledge and Community involvement
- Understands local Medicare & health insurance plans.
- One Stop Shop
Alyssa Macaluso - Medicare & Health Insurance independent agent. will help you avoid the confusion and headache of researching all the differant health plans and provide you more clarity about all the Heath and Life plans in the Houston area.
Health plans that care for you every step of the way
The right place for coverage in Texas
If you're looking for medicare or health insurance you will find we offer many choices to fit your needs. You can also find additional coverage and protection to round out your insurance needs.
Health insurance by metal tiers in Texas
at The Affordable Care Act Marketplace.
Health insurance plans are separated into different metal tiers based on the proportion of health care costs the insurance plan is expected to cover.
Bronze and Expanded Bronze plans cover the smallest proportion, having the highest deducttble, copays and coinsurance. These plans, while cheaper in terms of premiums, they come with high out-of-pocket costs, often with deductibles and out-of-pocket maximums the highest allowable by law. Expect the coinsurance to be the least in coverage at 50-60%.
Silver plans are the only plans that come with a cost-sharing reduction variation, which allows lower-income households to benefit from cheaper copays, deductibles and coinsurance. Normally the coinsurance is at 60-70%. Find out if you qualify for a subsidy.
Gold plans offers more coverage expect cover to be at least 80% of the coinsurance.
The average rates paid for health insurance plans are inversely related to the amount of coverage they provide, with Platinum plans being the most expensive and Bronze and Catastrophic plans being the cheapest.
Individual and Family Health Insurance plans in Texas.
Metal Levels: Bronze, Expanded Bronze, Silver, Gold
Networks Available in Texas ACA Marketplace
Health Maintenance Organization (HMO):
A type of health insurance plan that usually limits coverage to care from doctors who are contracted with the HMO. It generally will not cover out-of-network care except in an emergency. An HMO may require you to live in it's service area to be eligible for coverage. HMOs often focus on integrated care and focus on prevention and wellness.
Exclusive Provider Organization (EPO):
A managed care plan where services are covered only if you use doctors, specialist, or hospitals in the plan's network except in case of an emergency.
Stop Paying Too Much for Your Health Insurance.
No health insurance should be an option, but affordable health insurance should.
Call for an appointment today.
An office is conveniently located in Northwest Houston.
Signing up for Medicare does not have to be confusing.
Here's the easy steps to all your Medicare options.
It always seems impossible until it's done