Affordable Healthcare

Health insurance is designed to offset the sky-rocketing costs of receiving health care. The Affordable Care Act “ObamaCare” requires that everyone have coverage unless you are exempt. Health insurance can be complicated, but Brooks & Brooks Insurance Agency makes it easy to understand. We will help you determine if you are eligible to receive assistance “subsidy” in paying your premium and in helping you select the right plan for you and your family.

Frequently Asked Questions

Learn about common questions that our clients ask us over the phone when picking an insurance plan and learning more about our services. If you have additional questions, or need further elaboration on something, please let us know by calling our phone during regular business hours: 972-544-7524

What types of insurance do you sell?

Brooks & Brooks Insurance Agency Provides:

Life Insurance
Health Insurance
Medicare Insurance
Disability Insurance
Dental Insurance
Vision Insurance

What is the difference between an HMO and a PPO?

HMO	PPO
¨ Cheaper	¨ More Expensive
¨ Requires a referral	¨ No referral needed.
¨ MUST go to doctors and hospitals in the network.	¨ Can go to any doctor or hospital.

What is a premium?

Premium is the amount you pay EVERY month to keep your insurance.

What is coinsurance?

Co-insurance is a percentage (%) you pay for a covered service.

What is an out-of-pocket maximum?

Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.

What is Obamacare?

ObamaCare is called the Affordable Care Act.
ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.

How do I change my primary care physician?

Contact the Member Services or call our office. The number is on the back of your health insurance card or call us at 972-544-7524

What is a co-pay?

A Co-payment is the amount you pay for covered services at the time you receive care.

How do I pay my premium?

You can pay your premium by calling us at 972-544-7524, and one of our insurance agents will happily help you with your payment process.

What is a deductible?

A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.

Companies We Represent.

Just some of the many companies that took the first step with us. Are you ready?

Get The Support You and

Your Family Needs

The Brooks & Brooks Insurance Agency will make sure you and your family are treated respectfully and diligenty. From flexible healthcare plans to on-demand care services, we are ready to help you.

Get A Free Consultation

We offer free quotes for you and your family in need of insurance services. Getting started with our health insurance plan takes less than 15 minutes! Whether it is dental insurance or vision insurance, we’re ready when you are, so contact us today!

Get A Free Consultation

We offer free quotes for you and your family in need of insurance services. Getting started with our health insurance plan takes less than 15 minutes! Whether it is dental insurance or vision insurance, we’re ready when you are, so contact us today!