• Houston Health Insurance Broker since 2005

Houston's Premier Health Insurance Agency

Your local Health Insurance Broker

If you're looking for 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 plans that care for you every step of the way

Stop Paying Too Much for Your Health Insurance. No health insurance should be an option, but affordable health insurance should.

Networks Available in Harris, County on and off Marketplace. Group or Individual. 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.
Group and alternative individual plans In addition to above Networks available in Houston and surrounding areas.

Preferred Provider Organization (PPO):

A network of Doctors, Hospitals and medical providers that are contracted, participating providers in the health plan. You pay less if you use providers that in the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost. You do not need a referral to see a Specialist and usually listing a Primary Care Physician is not necessary.

The Affordable Care Act Marketplace. Health insurance by metal tiers in Texas.

offers most coverage with lowest copays and deductibles.  Expect coverage to be at least 80% of the coinsurance.
With these plans the deductibe and coinsurance can be afforable with a subsidy.  Normally the coinsurance is at 60-70%. Find out if you qualify for a subsidy.

Individual and Family Health Insurance plans in Texas.

Metal Levels: Bronze, Expanded Bronze, Silver, Gold
This tier has the highest deducttble, copays and coinsurance. These plans are cheaper in premiums but comes with high out-of-pocket cost,, Usually the deductible and out-of-pocket maximums are the highest allowable by law. Expect the coinsurance to be the least in coverage at 50-60%.
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Why choose Alyssa Macaluso?

  • 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.
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