Q: Is there a cost to use your service?
No. Our insurance comparison and advisory services are completely free. We are compensated by the insurance carriers, so you get expert help at no cost, and we never pressure you into a specific plan. Your best interests come first.
Q: How quickly can I get coverage?
Depending on the plan and provider, you may be able to activate coverage within a few days of enrollment. Our team ensures all documents are processed efficiently, and we help you meet important deadlines during open enrollment or special enrollment periods.
Q: Are there options for home health care insurance?
DFW Direct Insurance offers plans that cover home health care services such as skilled nursing, physical therapy, or personal assistance. These plans are ideal for those who prefer receiving care in the comfort of their own home.
Q: Do you provide disability income insurance?
Yes, we offer short-term and long-term disability income insurance plans. These policies protect your income if you’re unable to work due to illness or injury, helping you maintain financial stability during recovery.
Q: What is a catastrophic stop-loss plan?
This type of insurance provides a financial safety net for employers or self-funded health plans. It limits exposure to high medical costs by covering large or unexpected claims that exceed a set threshold. DFW Direct Insurance can help you customize a solution.
Q: Do you offer life insurance policies?
Yes. We provide term and whole life insurance policies from trusted carriers. These plans offer financial security for your loved ones by covering debts, funeral costs, or income replacement if something happens to you.
Q: Are dental and vision plans available?
Absolutely. We offer stand-alone dental and vision insurance plans or bundled options with health insurance. These affordable plans cover routine exams, cleanings, glasses, and more, helping you maintain overall health and wellness.
Q: Do you provide insurance for small businesses?
Yes. We offer group health insurance plans for small to mid-sized businesses. These plans can help attract and retain employees, offering competitive benefits that include medical, dental, and vision coverage tailored to your workforce.
Q: What carriers do you work with?
DFW Direct Insurance partners with top-rated national and regional insurers such as Aetna, Blue Cross Blue Shield, UnitedHealthcare, and Mutual of Omaha. We only work with providers that meet high standards for reliability, coverage, and customer satisfaction.
Q: How do I know which plan is right for me?
Our licensed agents guide you through a personalized comparison of available plans based on your age, health needs, location, and budget. We’ll help you identify what level of coverage is ideal, without overpaying or getting stuck with unnecessary extras.
Q: Do you offer Medicare Supplement Plans?
Yes. DFW Direct Insurance provides access to various Medicare Supplement (Medigap) plans. These plans help cover the out-of-pocket costs that Original Medicare doesn’t pay, like copayments, coinsurance, and deductibles, giving you better financial protection in retirement.
Q: What types of health insurance plans are available?
We offer a wide range of health insurance options including individual and family health plans, group health insurance for employers, Medicare supplement plans, and catastrophic stop-loss coverage. Each plan is tailored to meet different needs and life stages.
Q: Can I compare plans from multiple insurance providers?
Yes. DFW Direct Insurance allows you to compare health, dental, vision, and life insurance plans from multiple leading insurers in one place. This makes it easy to evaluate coverage options, prices, and benefits quickly, without jumping from site to site.
Q: What does DFW Direct Insurance do?
DFW Direct Insurance helps individuals, families, and businesses compare insurance plans instantly from top-rated carriers like UnitedHealthcare, Aetna, and Blue Cross Blue Shield. We simplify the process by presenting the best options side-by-side, so you can choose coverage that meets your needs and budget with total peace of mind.
Q: What is the difference between a Medicare supplement policy and a Medicare advantage policy?
Original government Medicare includes Part A (hospital) coverage and Part B (outpatient) coverage but only covers 80% of a person’s medical expenses. An individual can add a Plan G Medicare supplement (Medigap policy) to cover all but $226 per year of the 20% of medical expenses not covered by government Medicare. Medicare supplement policies come from various insurance carriers, not the government. With a Medicare supplement policy, you can use ANY doctor or facility of your choice in the U.S. that accepts Medicare.
Enrolling in a Medicare Advantage (Part C) plan means that you are allowing an insurance carrier to manage your Medicare benefits for you. These plans typically include prescription drug coverage and some other supplemental benefits. The downside of a Medicare Advantage plan is that the networks of providers are more limited and the annual maximum out-of-pocket cost to the plan member can be as high as $8,000 per year.
Q: Which plan network is best?
We recommend choosing a PPO network health insurance plan. These plans allow you to choose your own doctors and hospitals, and pay the same benefits in or out-of-network. Also, PPO network health plans do not require a referral from your primary care doctor to see a specialist.
HMO and EPO network health plans are much more restrictive and require you to use only doctors and facilities that in in-network and do not generally pay any benefits to out-of-network providers
Q: Is there any cost for DFW Direct Insurance to help me locate an insurance policy?
There is never any cost for our professional services!
Q: When can I enroll in a health plan?
The majority of our health plans are available for enrollment at any time during the year. No open enrollment period or special life-changing event is required!
Most plans can start the day after you apply for coverage.