Health Insurance Plans in Fort Worth, TX
Individual, family and group health insurance, plus help understanding disability and long-term care coverage. Our licensed agents explain your options and compare plans from the companies we represent.
Why health insurance matters
Accidents and illnesses can happen to anyone at any time. Without health insurance you may face high medical bills, limited access to care and delays in treatment. Health insurance gives you financial and medical support when you need it most.
Types of health plans
Health plans generally fall into two groups. Both cover a range of medical, surgical and hospital costs, and most cover prescription drugs.
Fee-for-service
The provider is paid a fee for each service. You can see a doctor of your choice, and the claim is filed by you or the provider.
Managed care
Includes HMOs, PPOs and point-of-service (POS) plans. They offer comprehensive services and lower costs when you use the plan’s providers.
Disability insurance
Disability coverage replaces part of your income if you can’t work because of illness or injury. There are two main types:
- Short-term disabilityShort waiting period and a benefit period of up to about two years.
- Long-term disabilityLonger waiting period, with benefits that can last a few years or longer, depending on the policy.
- Key termsNon-cancelable and guaranteed renewable policies protect your right to keep coverage. Ask us to explain the difference.
Long-term care
Long-term care is help with everyday activities such as eating, bathing, dressing or getting out of bed, because of age, illness or injury.
- It can be provided at home, in adult day care, assisted living or a nursing home
- It may last a few months or many years
- Medicare and most health insurance pay only for skilled care, not custodial (everyday) care
How we help
- ListenWho needs coverage, your doctors, prescriptions and budget.
- CompareOptions and prices from the insurance companies we represent.
- Set it upWe help you apply and explain what your policy covers.
- Stay in touchHere for changes, claims questions and renewals.
Why work with us
- A local office at 109 E Rosedale St, Fort Worth, open Monday to Friday, with weekend appointments
- Licensed insurance agents: Crystal Schuder, Harley Schuder and Carolina Cox
- An independent agency, so we can compare more than one insurance company
- Free quotes with no obligation
- Help in English or Spanish
- Home, auto, life, business and Medicare under one roof
Carolina Cox on our team can help you in Spanish.
Health insurance questions
Straight answers to what people ask us most. Don’t see your question? Ask a licensed agent.
What is the difference between an HMO and a PPO?
Both are managed-care plans. HMOs usually ask you to use the plan’s network and choose a primary doctor. PPOs let you see providers outside the network, usually at a higher cost.
Do you offer individual, family and group health plans?
Yes. We help individuals and families, and businesses that want group health coverage for their employees.
Does health insurance or Medicare pay for long-term care?
Generally Medicare and most private health insurance pay only for skilled care, such as nursing or rehabilitation, not custodial help with everyday activities.
What is the difference between short-term and long-term disability?
Short-term disability has a short waiting period and pays for a limited time, up to about two years. Long-term disability has a longer waiting period and can pay for years, depending on the policy.
I’m turning 65. Can you help with Medicare?
Yes. Our licensed agents help with Medicare Advantage, Medicare Supplement and Part D plans. See our Medicare page or call (817) 353-2017.
Serving Fort Worth and Tarrant County
From our Fort Worth office we help clients in person, by phone and online across the Dallas–Fort Worth area.
What our clients say
Reviews from our clients on Google.
Great Job Harley and have a Happy New Year
He wanted to see what other insurances were available to him. Since he is receiving insurance through his retirement package she walked us through what questions to ask the human resource department.
Harley, has spent hours working with us over the past months. We highly recommend her!!!
Find the right health plan
Talk to a licensed agent about health coverage for you or your family. Free quotes, no obligation.