Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

6 Best McAllen Life Insurance Companies

Acumen Insurance Group

3400 North McColl Road, Suite I, McAllen, TX 78501

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Life Insurance
Health Insurance

Acumen Insurance Group is an independent insurance agency that provides insurance services to residents and businesses in McAllen and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like universal life insurance, term life insurance, whole life insurance, and final expense insurance. Additionally, it provides insurance packages like individual long-term care insurance, individual & family health insurance, and Medicare supplements. Daniel Pulido and Diana (Garcia) Pulido owns the firm.

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Bert Whisenant Insurance

816 East Hackberry Avenue, McAllen, TX 78501

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Life Insurance
Health Insurance

Bert Whisenant Insurance is a full-service firm in McAllen that connects clients with life insurance policies that protect their long-term financial interests. As an independent insurance agency, it partners with various insurance carriers to provide clients with an insurance package tailored to meet their needs. It informs clients of their life insurance options. It finds policies that benefit their dependents in crucial ways, such as settling unpaid debts, replacing the provider's lost income, or paying for future educational expenses.

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Infinitus

2900 North Sugar Road, Pharr, TX 78577

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Life Insurance
Health Insurance

Infinitus is a team of insurance professionals that helps families and individuals in McAllen obtain adequate financial protection. Its insurance specialists assist clients in navigating available insurance plans, such as life, cancer, health, and dental and vision insurance. They offer assistance in choosing insurance products that meet clients' requirements, whether for preventive care, medications, or emergencies. Infinitus also provides Medicare and retirement planning services and access to group health insurance packages. Its founders carry over three decades of combined industry experience.

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Isaac Guerra

2215 North 23rd Street, McAllen, TX 78501

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Life Insurance

Based in the McAllen metro, Isaac Guerra is a life insurance agent who also serves neighboring communities. He offers policies for families, businesses, and individuals. These policies cover future income, mortgage debt, and children's needs. Clients are free to choose the time coverage of the policies that they are going to purchase. He also offers other types of insurances, such as home insurance, auto insurance, and recreational insurance. Additionally, Isaac offers his services to English and Spanish-speaking clients.

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Mission Duncan Insurance Agency

220 East Tom Landry Street, Mission, TX 78572

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Life Insurance
Health Insurance

Mission Duncan Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses of McAllen and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages such as life insurance plans, long-term care, and final expenses insurance. Additionally, it provides business insurance packages like commercial liability insurance, occupational accident insurance, workers’ compensation insurance, comprehensive general liability insurance, employee benefits plan, and professional liability insurance. Company president Keith Padilla is also the owner.

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Raymond Longoria Insurance

2025 North Conway Avenue, Mission, TX 78572

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Life Insurance
Health Insurance

Raymond Longoria Insurance is an independent insurance agency that provides insurance services to families and businesses of McAllen and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life and health insurance plans like term life insurance, individual health insurance, children's individual health insurance, Medicare supplements, individual dental insurance, and temporary individual health insurance. Additionally, it provides business packages like commercial auto and workers' compensation. It is owned by Raymond R. Longoria.

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Best Life Insurance Companies in McAllen

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Life Insurance Companies FAQs

Acumen Insurance Group

Bert Whisenant Insurance

Infinitus

Isaac Guerra

Mission Duncan Insurance Agency

Raymond Longoria Insurance

Frequently Asked Questions

Q: Who should buy supplemental health insurance?

Q: Can I buy health insurance anytime?

Q: Can I buy health insurance that is not Obamacare?

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