RF Insurance Masters

We at RF Insurance Masters offer advice on your health insurance needs. We are an insurance broker and that allows us to search the plans available for you. We have major "A" carriers that are approved by the Texas Department of Insurance to be sold in Texas. We take time with you to ensure that you understand the coverage to allow you to ensure you maximize your benefits. We do not wok for the insurance company we work for you to find you the best options. We typically help you find a deductible and plan benefits that match your needs. We make recommendations to help you select a plan and show you how you can reduce financial exposure to a deductible for accidents and critical illness plans.

We help small businesses quote and install Group Health Insurance/ Employee Benefits. We work with the business owner to help the understand the process to install a new group and help established businesses quote other carriers options for updating their group plan a renewal time. We represent major carriers that are approved by the Texas Department of Insurance. You can establish a group plan with as little at two employees/owners. As the employer you will be required to pay at least 50% of the employees premium costs. You will need to have 75% group participation for larger groups, but employees who opt out because of other group health coverage are not counted in the 75% participation number. Talk with us today about your needs and we can help you find the best options for your company.

We help customer understand HSA and HDHP Individual coverage advantages. We can help the review the current options and get them to establish their HSA. The HDHP and HSA can offer some great benefits for a small business owner. Call us today to learn more about these plans.

We have many options for coverage that we have for dental insurance coverage. We can run quotes for you and show you what options we have on the market. Some options we can consider that we offer are PPO, HMO, and discount plans that can help you with your dental needs. We have one company that will offer dental insurance without any waiting periods if you transition from a group plan to this plan within 30 days. We take the time to walk you through the options and help you find the best plan for your specific situation. Give us a call and we can show you your options.

We help our clients understand Life Insurance options available for them and how to determine what their needs are. We work closely to educate and share options from our many "A" rated carriers for life products. We offer Term, Universal Life (UL) and Whole Life. Call us today for an evaluation of your current coverage or to put your first policy in place.

We share with you our knowledge of insuring your children when they are young and healthy. We offer a variety of products to help protect your child's future insurability. We do not know what the future will bring for your child's health but getting a Life Insurance policy while they are young can help protect them in the event of a illness that can prevent them from getting a Life Insurance Policy.

Individual Health Insurance Advice for either Off Exchange with no subsidy or On Exchange through Healthcare.gov. We assist with finding you the best option for your particular situation. We help you narrow down your choices to find you plans that can meet your needs. We work with you to understand how the plan works, are your doctors in network, and any RX needs and how the plan will help you with the cost.