Agent:  Ruth Stewart

NPN number

(for the govt):  1103110

 

 

Fast enrollments!

IF you:

- Live in Texas

    ...  and  ...

- Might qualify for a

  Tax Credit

(if your income is low enough)

 Click Here !

 


 

Agent:

Ruth Stewart

 

Texas License:

1012551

 

National Producer ID Number:

1103110

 

  If you're using HealthCare.gov to enroll, the only way to get your own agent is to enter your agent's NPN ID number in the tiny (almost hidden) box called:  

- Is anyone helping you?

 

You can enter Ruth's NPN ID # in the box:

1103110

 

 


 

 

 

 

Just call us for help!

Toll Free Line:

888-777-0474 

Houston Line:

713-932-9072 

 

 

 

 


 

 

 

Open Enrollment for 2018 Health Insurance Plans:

 

Nov 1, 2017

   ... to ...

Dec 15, 2017

 

 

 

 


 

 

 

 

Special Enrollments

outside of Open Enrollment

are allowed IF you have

a Qualifying Life Event

 

 Like:

- Lose coverage

at no fault of your own

- Have a baby

- Get married

- Get divorced

- Move to a different rating area

- Have a significant

change-in-income

- And more

 

 

 

 

 

 

 


 

 

 

 

 

 

 

 

 

Quick Quotes &

Enrollment Links

 

On-Exchange:  

Use our

Fast Enrollment Engine

 

 

 

        ~~~    

  

 

 

Off-Exchange:

Off-exchange =

You do not qualify for a tax credit.

You want to avoid govt interaction as much as possible.

 

Aetna

 Gone!

 

BCBS-Tx

 Terrible prices!

 

Cigna

  Gone!

 

Humana

  Gone

 

Try Community Health Choice HMO 

... (in HoustonBeaumont areas)  

...for Memorial Hermann doctors & hospitals!

 

Community Health Choice offers a nice selection of plans

...at VERY reasonable prices!!!

...with a nice, large network (for an HMO)!!!

 

Community Health Choice HMO  &

Molina Healthcare HMO plans can be compared HERE 

 

They'll offer the best "buys" (cheapest prices & excellent benefits)...

...in most areas of Southeast Texas for 2018!

 

Molina's Doctor Network is

small !!!

 

...Do not choose a Molina Plan until you look at the selection of doctors available.

 

 

Oscar Health Ins

...Only available in these areas:

   Austin

   New Braunfels

   San Antonio

....Great prices for 2018!!!

 

Use the Oscar link above to enroll...

...for OFF-Exchange coverage.

 

Don't use it to Run Quotes!

 

Their OFF-Exchange Quote Engine does NOT help you compare their plans side-by-side very well at all.

 

Use THIS LINK to:

-Run Quotes

-Compare Oscar's plans

 

 

 

Scott & White

...Will offer one EPO Plan in 2018!

.....But, only in limited Tx counties

  - Limited DFW areas

  - Limited Central Tx areas

 

Deductible is high & it's not cheap!

 

Only available OFF-exchange

& you must request a special quote from Ruth.

 

 

 

United HealthCare   (UHC)

   Gone!

 


 

Temporary Short-Term Coverage

 Quotes HERE

 

This free-market coverage is still priced right!

 

Why is it still cheap....in today's high-priced market?

Because the govt has not stepped in to control this market.  

It's still a free-market product.

 

But, the govt will charge you their Tax Penalty if you buy free-market coverage.

 

Temporary ShortTerm policies do not cover:

 

1 - Pre-existing medical conditions!

       ...If you have a lump on your neck, don't buy it!

       ...This market is for those who are squeeky-clean healthy

...or...

don't mind paying cash for the small pre-existing stuff (like allergies) ...to save thousands in monthly premiums!

 

2 - Wellness check-ups

       ...If you have a small child, this might not be the right choice for you.

 

These policies cover future illnesses or injuries that might happen to you in the future (while you own the policy).

 

They offer excellent catastrophic coverage for those unexpected things that might happen...at the best prices on the market!!!

 

There is underwriting involved.  They'll ask you a few health questions.

If you can answer "no" to their few questions, coverage is instantly issued.

Answer their questions carefully!  

They won't cover your claims if you have a history of any of the conditions listed in the questions...and did not tell them up front!

 

If you have high blood pressure, this is not a safe "buy" for you!

If you have a history of cancer, this is not a safe "buy" for you!

 


 

Shop online for the best health insurance rates in Texas!

 


 

 

 

 

Old PPO Network Links...

...for OLD plans:

 

Aetna 

 

Choose:  Individual Advantage Members (on 1st screen)

 

Note:  Aetna has different networks for each different plan!

 

You'll need to choose the plan you like best 1st!!!

 

~~~~~~~

 

BCBS-Tx 

 

Temporary Short-Term Plans:

- Use the CHOICE PPO network

 

2015 Plans:

- Choice PPO Plans

...Use the Choice PPO network

- Advantage HMO Plans

...Use the Advantage HMO network

 

~~~~~~~

 

Cigna 

 

2015 Plans:

- Use the Local PLUS network

 

~~~~~~~

 

Humana 

 

Look for:      

Physician Finder

...near bottom on LEFT side of screen

- HMO Connect Plans -

...Use the HMOx network

 

- National Direct POS Plans -

...Use the National POS network

 


 

 

 

 

 


 

 

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