Clear HealthPlan Advisors

Clear HealthPlan Advisors At Clear HealthPlan Advisors,
We Bring Clarity to Your Health Insurance

❓ Does it cost extra money to use a health insurance broker?No.One of the biggest misconceptions about health insurance ...
06/22/2026

❓ Does it cost extra money to use a health insurance broker?

No.

One of the biggest misconceptions about health insurance is that working with a broker costs more. In reality, whether you enroll directly through the insurance company or work with a broker, the premium is generally the same.

As brokers, we're compensated by the insurance carriers—not by you.

That means you get access to:

✅ Multiple insurance companies and plan options
✅ Help comparing coverage and costs
✅ Guidance through the enrollment process
✅ Ongoing support when questions or issues arise
✅ An advocate who works on your behalf

Think of it this way: if the price is the same either way, would you rather shop for health insurance alone or have an experienced professional help you navigate your options?

As an independent health insurance broker, I help individuals, families, Medicare beneficiaries, and small businesses find coverage that fits their needs—all at no additional cost to them.

Have questions about your current coverage? Feel free to reach out.

“Why does my health insurance say something is ‘covered,’ but I still have to pay for it?”“Covered” doesn’t always mean ...
06/16/2026

“Why does my health insurance say something is ‘covered,’ but I still have to pay for it?”

“Covered” doesn’t always mean free. It means the service is eligible under your plan—but you may still be responsible for part of the cost through your deductible, copay, or coinsurance.

For example, a service can be covered, but if you haven’t met your deductible yet, you could still pay most or all of the bill. Understanding this difference helps avoid one of the most common (and frustrating) surprises people run into with their health insurance.

“Why is my health insurance so expensive if I rarely ever use it?”Health insurance costs aren't determined by how often ...
06/11/2026

“Why is my health insurance so expensive if I rarely ever use it?”

Health insurance costs aren't determined by how often you personally use medical services. Instead, premiums are based on spreading risk across a large group of people. Your monthly premium helps fund everything from preventive care to major medical expenses, including hospitalizations, surgeries, and treatment for serious illnesses.

As a result, health insurance can seem costly when you're healthy and rarely need care. However, the primary purpose of insurance is to protect you from potentially devastating medical expenses if an unexpected illness or injury occurs. Rather than paying for the care you use today, you're paying for financial protection and peace of mind when you need it most.

06/04/2026

📣 Turning 65 Soon? Confused about Medicare?

I’ll be hosting a FREE Medicare 101 Educational Seminar at the Westside Community Center on Wednesday, June 10th at 6:00 PM.

This seminar is designed specifically for individuals who will be transitioning onto Medicare soon and want to better understand:
• Medicare Parts A & B
• Medicare Supplement vs Medicare Advantage
• Prescription Drug Coverage
• Enrollment timelines & avoiding penalties
• Common mistakes to avoid

Whether you’re already approaching 65 or helping a loved one navigate Medicare, this class is a great opportunity to learn in a simple, no-pressure environment.

📍 Westside Community Center
📅 Wednesday, June 10
🕕 6:00 PM

To register or reserve your spot, please contact me directly at 210-410-0472 or send me a direct message.

05/20/2026

One of the most common questions I hear is:

❓ “Why am I paying so much for health insurance if I still have a deductible?”

A big reason is because many people misunderstand what health insurance is actually designed for.

Health insurance is primarily built to protect you from the BIG, unexpected expenses:
🏥 Hospital stays
🚑 Emergencies
🩺 Surgeries
💊 Major illnesses and ongoing treatment

Not necessarily to make every minor doctor visit or prescription free or inexpensive.

That’s why many plans today come with higher deductibles — because the real purpose of insurance is financial protection against catastrophic medical bills.

The challenge is that many people are paying for plans that don’t actually fit how they use healthcare.

Understanding how health insurance works — and what it’s intended to do — can help you make far better decisions when choosing coverage.

A lot of people feel stuck when it comes to health insurance.Maybe you’re healthy, rarely go to the doctor, and looking ...
05/13/2026

A lot of people feel stuck when it comes to health insurance.

Maybe you’re healthy, rarely go to the doctor, and looking at a $700–$1,500/month major medical plan with a huge deductible wondering:
“Am I really getting value out of this?”

For some individuals and families, a healthcare sharing program like Medi-Share can be a lower-cost, non-traditional alternative worth exploring.

These programs are designed for people who:
▪️Don’t use healthcare services very often
▪️Want lower monthly costs
▪️Are comfortable with a different approach than traditional major medical insurance
▪️Are looking for an alternative option outside of standard ACA coverage

Healthcare sharing plans are NOT traditional health insurance, so it’s important to understand both the pros and limitations before enrolling. But for the right fit, they can provide meaningful monthly savings and a different way to approach healthcare costs.

I work with clients who are exploring these types of options and help explain:
☑️ How healthcare sharing works
☑️ What is and isn’t typically eligible for sharing
☑️ Monthly cost expectations
☑️ Differences between sharing programs and traditional insurance
☑️ Who may — and may not — be a good fit

If you’d like to learn more and get the “Healthcare Sharing 101” breakdown, feel free to send me a message.

I’d be happy to walk you through the ins and outs and help determine whether a program like Medi-Share makes sense for your situation.

Retiring before 65?Don’t let health insurance be the thing that holds you back.There are more options than most people r...
04/29/2026

Retiring before 65?

Don’t let health insurance be the thing that holds you back.

There are more options than most people realize—and the right strategy can make a big difference in cost.

We help you bridge the gap to Medicare with a plan tailored to YOU.

📩 Message me or call 210-410-0472 to get started

🩺𝙎𝙩𝙞𝙡𝙡 𝙒𝙤𝙧𝙠𝙞𝙣𝙜 𝙖𝙣𝙙 𝙃𝙖𝙫𝙚 𝙀𝙢𝙥𝙡𝙤𝙮𝙚𝙧 𝘾𝙤𝙫𝙚𝙧𝙖𝙜𝙚? 𝙃𝙚𝙧𝙚'𝙨 𝙒𝙝𝙖𝙩 𝙔𝙤𝙪 𝙉𝙚𝙚𝙙 𝙩𝙤 𝙆𝙣𝙤𝙬 𝘼𝙗𝙤𝙪𝙩 𝙈𝙚𝙙𝙞𝙘𝙖𝙧𝙚.If you're 65 or older and still w...
04/07/2026

🩺𝙎𝙩𝙞𝙡𝙡 𝙒𝙤𝙧𝙠𝙞𝙣𝙜 𝙖𝙣𝙙 𝙃𝙖𝙫𝙚 𝙀𝙢𝙥𝙡𝙤𝙮𝙚𝙧 𝘾𝙤𝙫𝙚𝙧𝙖𝙜𝙚? 𝙃𝙚𝙧𝙚'𝙨 𝙒𝙝𝙖𝙩 𝙔𝙤𝙪 𝙉𝙚𝙚𝙙 𝙩𝙤 𝙆𝙣𝙤𝙬 𝘼𝙗𝙤𝙪𝙩 𝙈𝙚𝙙𝙞𝙘𝙖𝙧𝙚.
If you're 65 or older and still working, you might be wondering:
“𝐷𝑜 𝐼 𝑛𝑒𝑒𝑑 𝑡𝑜 𝑒𝑛𝑟𝑜𝑙𝑙 𝑖𝑛 𝑀𝑒𝑑𝑖𝑐𝑎𝑟𝑒 𝑖f 𝐼 ℎ𝑎𝑣𝑒 𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑚𝑦 𝑒𝑚𝑝𝑙𝑜𝑦𝑒𝑟?”
👉 The answer depends on a few key factors:
✅ 𝑬𝒎𝒑𝒍𝒐𝒚𝒆𝒓 𝑺𝒊z𝒆 𝑴𝒂𝒕𝒕𝒆𝒓𝒔
20 or more employees? Your employer coverage is primary, and Medicare is secondary. In this case, you can delay Medicare Part B without penalty.
Fewer than 20 employees? Medicare becomes primary, and you may need to enroll in Part B to avoid gaps in coverage and late penalties.
✅ 𝒀𝒐𝒖 𝑪𝒂𝒏 𝑺𝒕𝒊𝒍𝒍 𝑬𝒏𝒓𝒐𝒍𝒍 𝒊𝒏 𝑷𝒂𝒓𝒕 𝑨
Most people get Part A (hospital insurance) premium-free. Even if you're working, enrolling in Part A can be a smart move — just be mindful if you're contributing to an HSA.
✅ 𝑲𝒏𝒐𝒘 𝒕𝒉𝒆 𝑫𝒆𝒂𝒅𝒍𝒊𝒏𝒆𝒔
When you do retire or lose employer coverage, you’ll have a Special Enrollment Period to sign up for Medicare without facing late enrollment penalties.
📌 𝘽𝙤𝙩𝙩𝙤𝙢 𝙇𝙞𝙣𝙚:
Don’t assume you can skip Medicare just because you’re still working. It’s important to review your coverage, compare costs, and understand how Medicare interacts with your current insurance.
Need help deciding when to enroll? We’re here to guide you through it.

Address

New Braunfels, TX
78130

Opening Hours

Monday 7am - 7pm
Tuesday 7am - 7pm
Wednesday 7am - 7pm
Thursday 7am - 7pm
Friday 7am - 7pm
Saturday 7am - 7pm

Telephone

+12104100472

Website

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