Priscilla Moreno-Insurance Expert

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Priscilla Moreno-Insurance Expert Independent Licensed Health Insurance Agent. I’m passionate about finding the right option no matter what the situation is.

I help small businesses, self employed, families, and individuals figure out the confusion world of health coverage options.

10/16/2026

1099s, Income, and Health Insurance Pitfalls

10/14/2026

How to Spot a Client-Focused Agent

10/09/2026

Universal healthcare?
Universal healthcare offers government-managed coverage funded by taxes, similar to current marketplace
structures. Private insurance would still exist alongside it for access to independent doctors and preferred
facilities.

10/07/2026

Going independent vs going captive
Captive agents receive structured training selling exclusive products, making it a great place to build
foundational skills. Independent brokers have access to the full market, which suits disciplined self-starters.

10/05/2026

When is the best time to start in insurance
Right before Open Enrollment is the ideal time to become a health insurance agent. Starting now gives you
time to pass your state exam, study plan options, find a mentor, and build a client base.

10/02/2026

IF you’re getting any surgery, make sure to ask if they’re IN network.
Unexpected medical bills happen when an assistant surgeon or anesthesiologist is out-of-network. Confirm
every single provider involved in your surgery is in-network prior to the procedure.

09/30/2026

Everything’s negotiable
You can negotiate out-of-pocket medical costs even when using insurance. Asking for a percentage discount
on your coinsurance responsibility for procedures like MRIs can lower your final bill.

09/28/2026

Common myths in health insurance
Paying cash works for routine bloodwork, but relying on cash for diagnostic procedures like MRIs can cost
you more. Using insurance ensures those expenses apply directly toward your deductible.

09/25/2026

Insurance isn’t always to blame.
Medical claim denials often stem from billing departments sending claims to the wrong address instead of
the insurer. Always ensure your provider bills the specific address on the back of your insurance card.

09/23/2026

PPO vs HMO
PPOs offer nationwide access, out-of-network coverage, and no referral requirements. HMOs keep costs
lower by keeping you within a specific network and requiring specialist referrals.

Address

1270 North Loop 1604 East
Stafford, TX
77477

Opening Hours

Monday 8am - 1pm
Tuesday 8am - 1pm
Wednesday 8am - 1pm
Thursday 8am - 1pm
Friday 8am - 1pm

Telephone

+12107053578

Website

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