When shopping for insurance for you and your family, there are many options to choose from. The key is to find a quality product at a competitive price. JME will take the time to learn about your individual situation and find a plan that best meets your needs and fits into your budget. We will also explain how your benefits work so that you’ll be able to get the most out of the plan you select.
And the service you receive during the quoting and enrollment process will continue after the plan has been established. JME will provide support for any billing or claim issue that may arise and assist you during the annual renewal process.
JME Insurance Agency can help you with all of your health and life insurance needs.
Click the icons below for more information or give us a call at 972.245.0266.
If you need assistance with a claim or another issue that will require us to access your private health health information, please download and complete this HIPAA Authorization Form to help speed up the process. Thank you.
Individual policies are for people who:
- Are self-employed or sole proprietors
- Do not have access to insurance through their employer
- Pay too much for their group insurance premiums and are looking for lower-priced alternatives
- Are in-between jobs
- Recently graduated from high school or college
WE’LL HELP YOU FIND THE RIGHT COVERAGE
The Affordable Care Act, President Obama’s signature health reform legislation, made a number of important changes to health insurance plans, starting with the fact that they’re required. People must now have “minimum essential coverage” or pay a penalty when they file their taxes.
The good news, though, is that individual health plans now include more benefits than they used to, including things like maternity and mental health coverage. All plans are also guaranteed issue, meaning that you can’t be turned down or charged more based on pre-existing medical conditions. Finally, the government will help families with incomes up to 400% of the Federal Poverty Level who don’t have access to coverage through an employer or a government program pay for their health insurance.
The JME team can help make sure you’re meeting your requirements under the individual mandate and help you apply for a premium tax credit if you qualify. Learn more.
We get a lot of requests for individual dental coverage, which shows that this is a benefit our customers are clearly interested in. Dental insurance can help you pay for the cost of preventive, basic, and major dental services. Learn more.
While health and dental insurance are certainly more popular, everyone needs life insurance. It helps protect your family when you’re no longer here. JME can work with you to make sure your loved ones are taken care of.
Disability insurance is also a great way to protect your family. It helps ensure that you continue to have an income if you are unable to work. There are two types of disability insurance: short- and long-term. Learn more.
If you have a “High Deductible Health Plan,” which is a plan with a minimum deductible amount and no up-front copayments for any services other than preventive care, you can set up a Health Savings Account and contribute tax-free dollars to pay for qualified medical expenses.
HSAs have been around for about twelve years now and are growing in popularity every year. If you don’t yet have an HSA-qualified plan, you should consider getting one. Learn more.
If you already have an HSA-qualified plan, you can set up your Health Savings Account here.
I've been a client of JME Insurance Agency for over 20 years. They excel at sourcing medical insurance, comparing and analyzing policies--something that's nearly impossible for individuals to do on our own because of how complicated polices have become. Their team also provides outstanding service. I'm so glad that a friend suggested I call JME all those years ago. Quite simply--they are the best!
LATEST UPDATES FROM THE BLOG
We've received a lot of questions and concerns from our individual and small group clients about the big jump in rates for their 2018 renewals. While there are several contributing factors (insurance trend/inflation, everyone's a year older than they were last year, etc.), the number one reason for the premium…
As premiums continue to increase in the individual market, a lot of people are looking for other solutions. One option that may be available to you if you own a business is to purchase a small group policy. Why Small Group Coverage is Better Than Individual Here are the advantages…
Under the Affordable Care Act, the federal government, state governments, insurers, employers, and individuals are given shared responsibility to reform and improve the availability, quality, and affordability of health insurance coverage in the United States. Specifically, this provision requires each individual to: Have minimum essential health coverage every month, Qualify…
Guidance Provides 2017 Monthly Average Premium for Bronze Plans The IRS has released the 2017 monthly national average premium for a bronze level health plan offered through the Health Insurance Marketplace, which is used to determine the maximum individual mandate penalty. New Guidance According to the new IRS guidance, the…
Deductible and Out-of-Pocket Limits The Internal Revenue Service has announced the deductible, out-of-pocket, and contribution limits for HSA-qualified plans for the 2018 calendar year. The minimum deductible increased by $50 for individuals, from $1,300 to $1,350, and by $100 for families, from $2,600 to $2,700. Meanwhile, the out of pocket…
On the day he was sworn into office, President Trump signed an executive order that directed federal agencies to exercise authority and discretion available to them to reduce the financial burden of the ACA on American Citizens. In response, the IRS agreed to accept tax returns that did not answer…
Great news! Blue Cross and Blue Shield of Texas has reached and agreement and signed a new contract with Texas Health Resources and Texas Health Physicians Group (Texas Health) that will keep Texas Health in the HMO Blue Texas (Blue EssentialsSM), Blue Choice PPOSM (BCA), Blue Advantage HMOSM (BAV) and Blue…
We have reviewed the rates from the carriers both on and off the exchange and here is the breakdown from lowest priced to highest premium plans in the Dallas-Fort Worth area. On Exchange (lowest to highest premium) Molina Healthcare** Ambetter** BCBSTX Off Exchange (lowest to highest premium) Molina Healthcare** Ambetter**…