Heffelfinger & Associates

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Heffelfinger & Associates We are an independent broker offering personalized service, affordable insurance solutions, and client education since 1994.

As an independent insurance broker of health insurance for self-employed and uninsured individuals Terri, and her team specialize in benefit packages for small employers to help retain quality employees as well as manage their budget. Certified to assist with government subsidies through the marketplace. Specialties: Specializing in Health and Life Benefits for individuals and small businesses. Other Specialties: Dental, Life Insurance, Long Term Care, Medicare Supplements

As fall approaches, changing schedules and health insurance questions can arrive sooner than expected.At Heffelfinger & ...
10/15/2026

As fall approaches, changing schedules and health insurance questions can arrive sooner than expected.

At Heffelfinger & Associates, we are here year-round to help individuals, families, and small employers in Cedar Park understand their health insurance options—from affordable individual plans and Medicare supplements to employer insurance packages.

If your needs have changed or you simply want a clearer look at your coverage, give us a call at (512) 335-2212. We are always happy to help.

Finding an in-network doctor is an important step in getting the most from your Medicare coverage—and helping avoid unex...
10/14/2026

Finding an in-network doctor is an important step in getting the most from your Medicare coverage—and helping avoid unexpected out-of-pocket costs.

Before scheduling an appointment, review your plan’s provider directory, confirm the doctor participates in your specific plan, and verify coverage directly with the provider’s office. Networks can change, so it is always worth double-checking.

At Heffelfinger & Associates, we help Cedar Park residents better understand Medicare supplements, provider networks, and their health insurance options. Have questions about your coverage? Call us at (512) 335-2212.

Unlimited PTO can be a valuable employee benefit—but only when the policy is clear, consistent, and aligned with your te...
10/13/2026

Unlimited PTO can be a valuable employee benefit—but only when the policy is clear, consistent, and aligned with your team’s needs.

Before offering unlimited PTO, employers should consider:
• Clear expectations for requesting and using time off
• Coverage and workflow planning
• Whether employees feel comfortable taking the time they need
• How the policy fits into the overall employee benefits package

At Heffelfinger & Associates, I help small employers explore employer insurance packages and benefits that support both their people and their business. Questions about your team’s health insurance or employee benefits? Call me at (512) 335-2212.

Medicare coverage can feel complicated, but a little planning can help you get more from the benefits you have.In this c...
10/09/2026

Medicare coverage can feel complicated, but a little planning can help you get more from the benefits you have.

In this carousel, we’re sharing practical ways to use your Medicare benefits with confidence—from reviewing covered preventive care to understanding your plan’s network, prescriptions, and out-of-pocket costs.

At Heffelfinger & Associates, we believe client education makes Medicare decisions easier. If you would like help reviewing Medicare supplements or your current coverage, our team is here to help.

Call us at (512) 335-2212 to get started.

Medicare may cover more than routine doctor visits, prescriptions, and hospital care.Depending on your plan and health n...
10/07/2026

Medicare may cover more than routine doctor visits, prescriptions, and hospital care.

Depending on your plan and health needs, preventive services, screenings, wellness visits, and other benefits may also be available. Understanding what is included can help you make the most of your coverage.

At Heffelfinger & Associates, I help Cedar Park Medicare beneficiaries review their options and better understand their benefits. Contact me today with your Medicare questions.

Freelancing gives you flexibility—but finding the right health insurance can feel like a full-time job.If you are self-e...
10/06/2026

Freelancing gives you flexibility—but finding the right health insurance can feel like a full-time job.

If you are self-employed, your coverage options may include Marketplace plans, private health insurance, Medicaid or state programs, plus dental, vision, accident, and disability coverage.

At Heffelfinger & Associates, I help freelancers and self-employed professionals in Cedar Park understand their options, check for possible subsidies, and find affordable insurance solutions that fit their budget and needs.

Let’s make health insurance one less thing to worry about. Call me at (512) 335-2212 to explore your options.

October is Breast Cancer Awareness Month—a meaningful reminder to prioritize preventive care and understand your health ...
10/01/2026

October is Breast Cancer Awareness Month—a meaningful reminder to prioritize preventive care and understand your health insurance benefits.

Routine breast cancer screenings can support early detection, and many health insurance plans cover eligible preventive screenings at little or no cost.

At Heffelfinger & Associates, we help individuals and families in Cedar Park understand their coverage and make informed decisions about their health insurance. If you have questions about what your plan may cover, our team is here to help.

Call us at (512) 335-2212 to review your benefits or explore affordable insurance solutions.

Marketplace Open Enrollment begins November 1. If you are renewing coverage, exploring a new plan, or enrolling for the ...
09/30/2026

Marketplace Open Enrollment begins November 1. If you are renewing coverage, exploring a new plan, or enrolling for the first time, preparing early can make the process easier.

Our team at Heffelfinger & Associates helps individuals and families in Cedar Park understand their health insurance options, review available plans, and determine whether they may qualify for subsidies.

Save the key enrollment dates, gather your information, and give yourself time to compare coverage with confidence.

Have questions about your options? Contact our team at (512) 335-2212 for personalized guidance.

Life insurance is designed to help protect the people you care about—but beneficiary designations need to stay current f...
09/24/2026

Life insurance is designed to help protect the people you care about—but beneficiary designations need to stay current for that protection to work as intended.

Major life changes like marriage, divorce, a new child, or the loss of a loved one are good reasons to review your policy. It is also helpful to confirm that your primary and contingent beneficiaries are listed correctly.

At Heffelfinger & Associates, I am happy to help you review your life insurance coverage and beneficiary designations so your wishes are clearly reflected.

Have you reviewed your policy recently? Call me at (512) 335-2212 to get started.

A lower monthly premium can be appealing, but a high-deductible health plan is not automatically the best fit for every ...
09/23/2026

A lower monthly premium can be appealing, but a high-deductible health plan is not automatically the best fit for every household.

When comparing health insurance options, it is important to look beyond the premium. Consider your expected care needs, prescription costs, deductible, out-of-pocket maximum, and whether an HSA could benefit you.

At Heffelfinger & Associates, I help individuals, families, and small employers in Cedar Park understand the details and compare available plans—not just the monthly price.

Have questions about which coverage makes sense for your situation? Call me at (512) 335-2212 to talk through your options.

Address

921 West New Hope, Suite 602
Cedar Park, TX
78613

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15123352212

Website

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