14030 Liberty St Montgomery, TX 77316
Please reach us at info@fbsagency.com if you cannot find an answer to your question.
Choosing the right health insurance plan can be confusing and overwhelming—especially with all the different carriers, plan types, and coverage rules. That’s where we come in. As an independent broker, we help you navigate your options and find the plan that truly fits your needs and your budget.
First, it's important to know: you don’t pay us anything. We’re paid directly by the insurance companies, so your premium is exactly the same whether you sign up through us or go directly to the insurer. There’s no discount for skipping a broker—but you do miss out on personalized guidance and ongoing support.
Different companies often charge different rates for similar coverage, and not all carriers offer the same plans in every area. We’re contracted with most major insurers and can compare your options in minutes—saving you the hassle of calling around or trying to figure it all out on your own.
Whether you're looking for individual coverage, family plans, dental/vision options, or help navigating the Marketplace (Exchange), we’re here to make it simple. And every year, we’ll review your plan and the latest offerings to ensure you’re still getting the best deal. Our goal is always to act in your best interest—and our clients say that’s what sets us apart.
There is no negotiation with an insurance company to get a lower rate by going direct. Premiums are the same regardless of whether you buy direct with an employee of the insurance company, or a broker.
Yes, our service is completely FREE to our customers. We are paid directly by the insurance companies. Your premium is the same, whether you buy from a broker or direct from the insurance company. The only thing you get is “personalized” service that is absolutely FREE.
HMO (Health Maintenance Organization) is a type of Medicare Advantage plan. They require you to see doctors, hospitals or other facilities that are in the Plans provider network. They also usually require you to have a referral to see a specialists, which is given by your Primary Care Physician. You must select a Primary Cary Physician who you will see before going to a specialists.
For individuals shopping for health insurance, it’s important to know that only HMO plans are currently available on the individual market. PPO (Preferred Provider Organization) plans are typically no longer offered to individuals and are generally only available through certain group or employer plans.
When the law changed in 2016, many insurance companies had to shift away from offering individual PPO (Preferred Provider Organization) plans, because they tend to be more expensive for both the insurer and the customer. In most states, HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) plans are your only options for individual plans that cover pre-existing conditions. PPO options are still be available for small groups, self employed or through your employer. We can help you explore all of your options so you are able to see the doctors you choose.
Since 2016, the law changed, and you can now only buy health insurance during the annual Open Enrollment Period, which runs from November 1 to December 15. The only other time you can buy or change your health insurance is during a Special Enrollment Period (SEP).
SEPs are triggered by certain qualifying life events—such as losing other coverage, moving to a new area, getting married or divorced, having a baby, or a change in income that affects your eligibility. When one of these events occurs, you typically have 60 days to enroll in a new plan or make changes to your existing coverage.
A Point of Service (POS) plan is a type of health insurance that combines features of HMOs and PPOs. You can get care within the plan's network and pay less, or you can see out-of-network providers, but at a higher cost. POS plans often require a primary care physician (PCP) who coordinates care and may require referrals for specialist visits.
Exclusive Provider Organization (EPO) health plan is a type of insurance that combines elements of HMOs and PPOs. It offers in-network coverage, similar to HMOs, but allows you to see specialists without a referral, like PPOs. EPOs are generally less expensive than PPOs and typically don't require you to select a primary care physician.
In most cases, no—you typically need at least two eligible employees to qualify for traditional group health insurance. In Texas, the two employees can include a business owner and their spouse, but these rules can vary by state and carrier. If you're a sole proprietor or have a very small team, there may be other affordable coverage options that we can tailor to your needs.