We Work For You & Your Families.

The constantly increasing cost of healthcare in our country and the surprising surge of contagious diseases make health insurance a necessity for all Americans.

Although health risks and uncertainties are a part of life, we can still be prepared with the financial security that health insurance brings. 

Fortunately, Radical Insurance Agency, LLC, with our industry knowledge and outstanding customer service, are committed to be there for you by providing expert advice to make an educated decision for yourself and your family. 

Our Health Insurance Services

Here are Radical Insurance Agency, LLC, we maintain strong relationships with trustworthy health insurance companies, to offer you with the best health insurance quotes. We stay updated on the dynamic insurance marketplace, so you don’t have to, offer you the best coverage and cost savings, and help advise you on your health insurance choices. Listed below are the health insurance plans that you can choose from:

• Major Medical Insurance - this ACA-compliant policy is guaranteed issue and provides coverage for 10 essential health benefits including ambulatory patient services, emergency services, hospitalization, maternity and newborn care mental health and substance use disorder service, prescription drugs, rehabilitative and habilitative services and devices, laboratory services, preventive and wellness services and chronic disease management, and pediatric services, including oral and vision care. This is the perfect comprehensive health insurance plan for those who do not have access to employment-based insurance plans, such as those who are self-employed and work part-time. 

• Managed Care Plans - are health insurance policies that are tied up in contracts with healthcare providers and medical facilities to deliver care for members at lower costs. A network consists of healthcare facilities and professionals that agreed to provide their services to policy holders. Under managed care plans, you need to pay a fixed premium in exchange for a comprehensive package that includes routine clinic visits, preventive care, to hospitalization. The types of managed care plans are as follows:

• Preferred Provider Organization (PPO) Plan - your preferred insurance carrier has a contract with doctors and hospitals to provide healthcare services at reduced rates. PPO plans offer flexibility in terms of choice of in-network providers without the need for a referral from a primary care physician. In most cases, prescription drugs are covered in PPO plans.

• Health Maintenance Organization (HMO) Plan - your insurance provider carries a contract with a network of providers that will provide you with the healthcare services you need. You are required to check in with a primary care provider first to receive referral seeing specialists. Your choice in physicians are limited. Furthermore, an HMO will not pay for healthcare service obtained from physicians outside the HMO network or if you visit a physician without referral. 

• Point of Service (POS) Plan - this managed care plan is a combination of HMO and PPO plans and provides an assortment of benefits depending on whether a policy holder uses an in-network or out-of-network healthcare provider. This plan offers lower costs, limited list of in-network providers, and freedom to see out-of-network providers.

• Short Term Health Insurance - this plan is limited in duration, which means a policy holder will stop receiving benefits once the policy expires. It is less expensive than other qualified health plans under the Affordable Care Act and are meant for people who do not want or cannot afford major medical insurance or those who need temporary form of limited coverage prior to obtaining major medical health insurance.

• Indemnity Health Insurance - offers the greatest level of degree and flexibility to policy holders. It allows policy holders to obtain health care services wherever they choose providing compensation for a set portion of the total costs. Choosing indemnity health insurance means you don’t need to choose a primary care physician and it also allows you to self-refer to specialists of your choice without having the need to obtain referral to get compensation. 

• Supplemental Health Insurance - is a collection of mini insurance policies that you can include on top of your regular health insurance policy. Supplemental plans are specific to one particular area of coverage. In essence, supplemental health insurance delivers an added layer of protection to cover that traditional health insurance policies do not include. There are some forms of supplemental health insurance that can pay for out-of-pocket expenses that are left in the wake of primary health insurance policies. It can pay off co-payments, co-insurance, and deductibles. It may also be used to pay for lost wages, transportation, medications, and any costs resulting from an illness or injury. 

• Critical Illness Health Insurance - is a policy that offers a certain degree of financial security, as it covers you in the event of becoming seriously ill. It pays a tax-free lump sum if you are diagnosed with a defined critical illness during the duration of the policy provided that you pay your premiums. You can decide how long the term will last and is usually a combined policy with term life insurance. Illnesses covered with vary between insurance providers, but common conditions that critical illness covers are cancer, heart attack, stroke, Parkinson’s Disease, major organ transplant, deafness, traumatic head injury, and bacterial meningitis. 

• Accident Health Insurance - this policy pays lump-sum cash benefits in the event of an accident. It helps pay medical costs and living expenses while in the process of healing or rehabilitation. 

• Vision Insurance - this policy is used to cover costs related to preventive care for your eyes and prescription eyewear- both of which are not included in normal health insurance policies. You may also acquire laser eye surgery with vision insurance. 

• Dental Insurance - this policy works similarly to health insurance, in that it comes with monthly premiums, co-payments, co-insurance, and deductibles. This helps in preventing lasting damage to teeth and gums, as it offers policy holders access to dental care services. It offers reduced payments for standard treatments including X-ray, preventive oral examinations, and cleaning. Extended coverage may include teeth whitening, dental implants, and orthodontic services. 

• Hospital Indemnity Insurance - this policy provides additional financial support in the case of hospitalization. It helps pay the major health insurance plan’s deductible and other expenses as a result of a policy holder’s hospitalization. There are no restrictions on how you can spend the money from this policy. 

• Metal Gap Insurance - is a type of supplemental insurance product that services to bridge any coverage gaps that usually happens with a high-deductible insurance costs, co-insurance, and co-payments. It provides a lump sum payment to policy holders and can be used to cover associated costs such as living expenses, prescriptions, experimental medical procedure, and lost wages. 

Why Hire Radical Insurance Agency, LLC?

Radical Insurance Agency, LLC, makes choosing insurance plan simple and straightforward for your clients We give you the quality, affordable health insurance you are looking for. Our team of trusted and skilled health insurance agents will find the most comprehensive and affordable coverage that offers the best value for your money. 

If you need health insurance and live in the following service areas, Plano, Allen, Murphy, Lucas, Parker, St. Paul, Wylie, and Sachse, we are here for you. Call us today and let us find the right health insurance policy for you!