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INSURANCE DOESN'T HAVE TO BE CONFUSING.
TRUSTED BY FAMILIES ACROSS AMERICA
5.0
100+ Reviews
5.0
100+ Reviews
FREQUENTLY ASKED QUESTIONS
What is health insurance, and why do I need it? Health insurance helps pay for medical expenses like doctor visits, hospital stays, and preventative care. It protects you financially from high healthcare costs to ensure access to the care you need.
What makes Hercules Health Solutions different from other insurance companies? At Hercules Health Solutions, we don't just sell insurance, we build protection with Herculean strength. A few things that set us apart: 1. Independent and Unbiased: We partner with over 50 of the top-rated insurance companies across the U.S., which means we work for you, not the insurance companies. 2. Customized Coverage: No cookie-cutter plans. We tailor benefits around your health needs, budget, and lifestyle. Whether you're an individual, family, or employer, we can help. 3. Real Relationships: We're not a call center. We're your trusted advisors, here to help guide you before, during, and long after enrollment. 4. Education Over Sales: We simplify the jargon, walk you through your options, and empower you to make the right choice. No pressure, no fluff. 5. One-stop Shop: Health, dental, vision, life, supplemental coverage, or Medicare... we handle it all so you don't have to juggle agents. 6. Peace of Mind Promise: With protection, education, access, care, and experience, we make sure your coverage actually provides protection. Bottom line: We Make Insurance Suck Less.
What types of health insurance plans are available? There are several great options, depending on your needs and budget. >ACA / Marketplace Plans >Private Self-Employed Plans >Short-term Plans >Health Share Plans >Group / Employer Plans >Medicare >Supplemental Coverage (dental, vision, accident, life, critical illness)
What does health insurance typically cover? Coverage often includes: Doctor visits, surgeries, hospitalizations, emergency services, prescriptions, preventative care, mental health and maternity.
Are pre-existing conditions covered? ACA-compliant plans are required to cover pre-existing conditions. Some of the private or short-term plans are not required to and may have exclusions or waiting periods. This is why we help you find the right fit.
When can I enroll in coverage? Open enrollment: November 1 - January 15 Special Enrollment Periods: may be triggered by qualifying life event (loss of coverage, marriage, new child, etc.) Note: Private plans can be enrolled year-round, no open enrollment period needed.
Can I get health insurance if I am self-employed, a 1099 worker, or not offered coverage through my employer? Yes! We specialize in plans designed for these folks. Often times with more flexibility with coverage as well as savings.
I live outside the state of Texas, can you still help me? Yes! Although Texas is our home, we are licensed in over 35 U.S. states and very familiar with their markets as well. Reach out to see if we can help.
Do you services cost anything? No, our services are 100% free to you. At Hercules Health Solutions, we're licensed independent brokers. That means we get paid by the insurance carriers, not by your, and there's no hidden costs. You get: > Expert advice > Customized plan comparisons > Lifetime support All at zero cost!!!
How do I get started? Here's how it works: 1. Schedule a free consultation: Book a quick call with us. No cost, no obligation. We'll learn more about your situation and needs, answer questions, and start mapping options. 2. We do the shopping: We compare plans across 50+ top-rated insurance companies so you don't have to waste time digging through the fine print. 3. Get a customized Plan: You'll get personalized recommendations and quotes based on your needs, health history, and budget with clear explanations. 4. Enroll with Confidence: We walk you through the entire process. Step-by-step, and stick with you long after the enrollment process for ongoing support. Ready to stop guessing and get peace of mind? Book a free call or call us directly at (956) 246-4123