Free to Choose Insurance Blog

07/30/2009

To my fellow Texans

Filed under: no category — admin @ 9:49 AM

Never give up your right to choose what is best for you and your family. Also, seek wisdom. Profit from your experience and from the experience of others. I am Phillip Arnn, and I will share my knowledge of and experience in the world of health and life insurance with you. All insurance rates are set by the carriers and approved by the state. So, all agents will give you the same quoted price for the same company and plan. My service to you is to take your personal information and your personal preferences for coverage and find the best plan for you. By best, I am not just thinking of the cheapest rate, but also the best benefits with the strongest carrier. Not all carriers are alike in the way they select (underwrite) qualified applicants for insurance. It is my knowledge and experience that will place before you the carriers that will give you what you want. I look forward to working with you.

09/24/2009

Filed under: no category — admin @ 3:07 PM

The videos below will teach you about the different Health Plans that are available. They will also show you the moving parts such as deductibles, co-pays, coinsurance and out-of-pocket expense that determine your premium. The more you know the better choices you will make.
However, there is one thing these videos don’t tell you; which carrier will take me if I am overwieght, have a pre-existing health issue, take prescriptions for a controlled condition, and more? That is where I come to the rescue. As an experienced broker it is my job to know the answers or to know where to find the answers.
Watch the videos and then go to the Get A Quote page and fill out the information requested. Then send it to me and let me do the work. Talk to you soon.

What Is a Consurmer Driven Health Plan?

Filed under: no category — admin @ 2:56 PM

The Health Care System – Why Is It So Expensive?

Filed under: no category — admin @ 2:41 PM

Prescription Drugs – The 4 Tiers

Filed under: no category — admin @ 2:34 PM

Preferred Provider Organization (PPO)

Filed under: no category — admin @ 2:30 PM

Health Insurance Alphabet

Filed under: no category — admin @ 2:26 PM

09/03/2009

In the blink of an eye, someone ran the red light and hit us broadside. We were spun around and then we started rolling. We rolled on the driver’s side, then the roof and finally stopped passenger side down. We were sliding across the intersection as we rolled and stopped in the on-coming lane of traffic. Thank God, everyone had seen the wreck and had stopped. No one else hit us. I got out through the windshield removed by the Fire Rescue crew. My wife had to have the roof of our van cut away to get her out of her driver’s seat because of possible neck and chest injuries. You can see what was left of our van just after they removed us to the ambulance.They took us to the hospital emergency room for evaluation of our injuries. After five hours in an emergency treatment room, x-rays, CAT scans, EKGs, tetanus shots, emergency room physician fees, radiology fees, and ambulance transport fees, we had accumulative bills of about $9200. But, it could have been much worse. We escaped without broken bones or internal injuries.There is a bright side, we have good health insurance. Without good health insurance we would be in serious debt. It took care of paying our medical bills immediately. Our total bills added up to over $14,000! And we were not even admitted into the hospital. As an independent Health insurance broker I want to help you evaluate your insurance needs and get you the coverage that will give you peace of mind. Call me and let’s get you covered right now!

Filed under: no category — admin @ 7:58 AM

In the blink of an eye, this could be you.

In the blink of an eye, this could be you.

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