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Unhappy with your plan or your rates? Don’t let open enrollment keep you from shopping your insurance year round. Group benefits and Medicare specialists serving Texas employers and families for thirty-five years.
What thirty-five years buys you
1989
Serving Texas since
We’re proud to represent great insurance carriers like:
The most expensive myth in insurance
Group plans renew on their own anniversary date. Medicare has multiple election periods. Marriage, a new baby, a move, or losing employer coverage each open a special enrollment window. For most Texans, most of the year, the door is open — they just were not told.
Independent, not captive
We are not employed by a carrier, so we are free to place you with whichever one actually fits. Twelve of the country’s strongest insurers compete for your business — we referee.
Year-round, not just open enrollment
Special enrollment periods, qualifying events, group anniversary dates and Medicare election windows all fall outside the calendar most people assume. If your rate is wrong, we will look today.
The same two people, every year
No call centre queue and no rotating account rep. Wade and Amiel handle their own books, which is why clients are still with us eighteen and twenty years on.
Service after the signature
Claim denials, billing errors, ID cards, adding a newborn, a hospital arguing about a network — the work that matters happens after the policy is issued, and we do that part too.
Coverage
Since 1989 we have protected the people we work with just like we protect our own family members.
1989
Serving Texas since
40+
Years of combined experience
12
Carriers shopped on your behalf
364
Days a year we take your call
How it works
Step One
A real conversation
Fifteen minutes on the phone or at your office. What you have now, what it costs, what has gone wrong, and who you are actually trying to protect.
Step Two
We shop the market
We take your census or your situation to every carrier we represent and bring back an apples-to-apples comparison — including the plans that do not pay us the most.
Step Three
A plain-language recommendation
One page, no jargon: what changes, what it saves, what the trade-offs are. You decide. We have never pushed anyone toward a bigger premium than they needed.
Step Four
Enrollment and beyond
We handle the applications, the carrier setup, the employee meetings and the auto-pay. Then we stay on as the people you call when something goes sideways.
The people
Wade has spent more than two decades building employer-sponsored health plans for Coastal Bend businesses — the kind of work where the same secretary calls him about the same group eighteen years later. He is known for picking up the phone rather than sending an email.
Amiel leads the agency’s Medicare and supplemental practice, guiding individuals through the parts, the plans and the penalties in plain language. He handles the enrollment paperwork most people dread — and follows it through to the carrier confirmation.
Client words
I just wanted to thank you both for all your efforts in helping my husband and I get set up on the new group plan. In all honesty I was dreading the day when we had to find a new plan, and the two of you made the process much easier than what I thought it was going to be. Call after phone call you put my mind at ease. I really appreciate you taking the time to actually call and talk to me rather than just texting and emailing. You helped me choose a plan you were confident I would be happy with, but also understood we had a budget to work with. You never pushed or made me feel I had to spend more. Sadly, a lot of agents out there are like that. I cannot express the weight that has been lifted.
Client service
Straight answers
Very often, no. Group plans renew on their own anniversary date rather than 1 January, Medicare has multiple election periods through the year, and qualifying life events — marriage, a new baby, losing employer coverage, moving — open a special enrollment window. This is the single most common misconception we correct, and it costs Texans real money every year.
Contact us today