Texas Trusted Advisors, An Asset Protection Company

Beyond Traditional Plans. Explore Your Health Options with Us

Health Insurance

Health insurance can be a significant line item in a household’s monthly budget, and that is just for the monthly premiums. Factor in the cost of deductibles, co-pays, and prescriptions over a year, and you can see how healthcare costs can impact your bottom line. At Texas Trusted Advisors, we can look at your current health insurance policy; compare your coverage to other options; and source Short-Term Medical Policies, On- and Off-Marketplace Plans, and Indemnity Plans to fit your needs and budget.

Short-Term Health Policies

Short-Term Medical Insurance is a policy that can help bridge the gap in healthcare coverage in these situations:

  • You are between traditional employer plans.
  • You need coverage outside of an open enrollment period.
  • You need coverage in case of emergency.
  • You lost or left your job.
  • You turned age 26 and need to transition off of a parent plan.

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    Coverage features of Short-Term Health Policies can significantly differ from traditional healthcare coverage, so it’s essential to fully understand the details of your coverage—precisely how the plan works, what’s covered, and the cost.  


    Most Short-Term Medical Insurance provides some level of coverage for:

    • Preventative care
    • Doctor visits
    • Urgent care
    • Emergency care
    • Prescriptions in some cases

    There may be cost savings for using in-network providers. It’s important to fully understand the details to avoid cost surprises when seeking care. 


    Costs vary by policy. Remember costs are usually higher than traditional health insurance but can serve an important financial safety net when traditional coverage is unavailable. Having a Short-Term Health Policy in place offers healthcare coverage when you need it most. Talk to Texas Trusted Advisors for help sourcing a suitable policy to meet your needs.

On- and Off-Marketplace Plans

The Affordable Care Act encourages people to have healthcare coverage. There are On- and Off-Marketplace Plans available. While the two are similar, On-Marketplace Plans are offered by a government-run healthcare exchange and subsidies are available to help fund the coverage. Off-Marketplace Plans are private insurance plans that are not subsidized. All On- and Off-Marketplace Plans must include:

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    • Outpatient care.
    • Emergency services.
    • Hospitalization.
    • Maternity and newborn care.
    • Mental health and substance use disorder services.
    • Prescription drugs.
    • Rehabilitative services and devices.
    • Laboratory services.
    • Preventative and wellness services, including chronic disease management.
    • Expanded pediatric services, including dental and vision care. 

    Texas Trusted Advisors has experience with On- and Off-Marketplace Plans. Talk with us and we can help find a policy to suit your needs.

Indemnity Plans

Indemnity Plans provide the covered person with flexibility in choosing their healthcare providers. It also reimburses a portion of the costs incurred for covered healthcare. It is often referred to as fee-for-service insurance. These types of plans are desirable when flexibility is needed, such as:


  • Patients don’t want to have to get a referral to receive care.
  • Patients want to choose their own healthcare services.
  • Patients want to choose their own medical providers.
  • Patients don’t want to have to track if a provider is in- or out-of-network.
  • Patients want help covering the cost of specific healthcare circumstances.


Texas Trusted Advisors has experience and options for Indemnity Plans. Talk with us and we can help explain the features and benefits of the various plans and find a policy to suit your needs.

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