David Hull- Licensed Health Insurance Professional

12/12/2019

11/24/2019

Important Things to Consider When Looking For Health Insurance:

When you are considering the cost of your healthcare, you need to be considering more than just your monthly premiums.

It is important to also consider:

1. Your deductible - how much you will have to pay before your insurance company contributes.

2. Your co-insurance rates - the percentage of the bill that your insurance company covers after your deductible has been met.

3. Your out of pocket maximum - the total amount that is subject to your co-insurance rate before your insurance company will cover 100% of the remaining costs.

4. Type of plan - Typically plans will be either PPO or HMOs, which impacts whether or not you have co-pays for things like prescriptions, ER or doctor's visits, or work with specialists.

The reason that over 70 million Americans are in debt due to medical expenses is because they often only consider the monthly premiums when choosing a health insurance plan.

If you have any questions about your current medical coverage or are looking for advice on medical plans you are exploring, please let me help you navigate and understand that information better! (832)877-0326.

11/22/2019

Don't be caught off guard by unexpected situations. We all buy into the subtle lie of invincibility or the notion that the coverage we have is the best we can get.

Let me help you explore what options are available to you!

Premiums and deductible contributions are eating up more of middle-class Americans’ paychecks, increasingly burdening America’s middle-class working families.

11/12/2019

This is why looking for the best health insurance you can find during is so important, no one plans on becoming a suburban m**h dealer until you get that bill you can't pay!
Don't let that be you! I can help, give me a shout (832) 877-0326.

11/08/2019

Do not let adversity grind you down. Don’t quit. The
obstacle is the way to glory if you see the opportunity in it. Sometimes what you need to win is found where other people throw their trash.

This is Jim Thorpe. Look closely at the photo, you can see that he's wearing different socks and shoes. This wasn't a fashion statement. It was the 1912 Olympics, and Jim, a Native American from Oklahoma represented the U.S. in track and field. On the morning of his competitions, his shoes were stolen. Luckily, Jim ended up finding two shoes in a garbage can. That's the pair that he's wearing in the photo. But one of the shoes was too big, so he had to wear an extra sock. Wearing these shoes, Jim won two gold medals that day. This is a perfect reminder that you don't have to resign to the excuses that have held you back. So what if life hasn't been fair? What are you going to do about it today? Whatever you woke up with this morning; stolen shoes, ill health, failed relationships, failed business, don't let it stop you from running your race. You can experience more in life if you'll get over the excuses and get on with living. You can have reasons or you can have results...but you can't have both.

11/08/2019

Open Enrollment is upon us.

This means lots of confusing and complicated choices about what is best for ourselves and our families when it comes to health insurance.

Do you want some free assistance in navigating that mess without having someone pressure you to purchase som**hing you don't need?

I am more than happy to help!

I specialize in working with families, small business owners, and self-employed individuals to explore the options available to them to find the perfect fit that offers the best value at the lowest cost for them!

I offer a free health insurance consultation for anyone who needs help navigating all of the options on the state or federal marketplace! Please get in touch at (832) 877-0326 for assistance!

Free and Important Fact About Health Insurance:

When you are considering the cost of your healthcare, you need to be considering more than just your monthly premiums.

It is important to also consider:

1. Your deductible - how much you will have to pay before your insurance company contributes.

2. Your co-insurance rates - the percentage of the bill that your insurance company covers after your deductible has been met.

3. Your out of pocket maximum - the total amount that is subject to your co-insurance rate before your insurance company will cover 100% of the remaining costs.

4. Type of plan - Typically plans will be either PPO or HMOs, which impacts whether or not you have co-pays for things like prescriptions, ER or doctor's visits, or work with specialists.

The reason that over 70 million Americans are in debt due to medical expenses is because they often only consider the monthly premiums when choosing a health insurance plan.

If you have any questions about your current medical coverage or are looking for advice on medical plans you are exploring, please let me help you navigate and understand that information better! (832)877-0326.