I am a health insurance agent for U.S. Health Advisors, headquartered in Fort Worth, TX. We are a subsidiary of Credit Suisse, the 3rd largest financial institution in the world, to offer comprehensive and affordable medical health insurance to the U.S. public. We are structured to compete against Obama Care and the Exchanges, so that we offer customized insurance to individuals based on their age, sex, health conditions, and personal budgets. You actually have to qualify for our health insurance through underwriting. Many people feel that they cannot afford a great health insurance policy. Why pay for benefits you do not need today, may never need, or for other peoples pre-existing conditions, or older ages? And why have to go through Open Enrollment every year, year after year? If you are looking for the greatest, affordable individual, family, or group Health Insurance policy, think: ♦ Guaranteed 3 Year Fixed Premium Rate Locks on all standard policies. ♦ Lifetime Fixed Premium Rate Locks on our Guaranteed issue policy for preexisting conditions of any kind. ♦ No deductible, co-insurance, or co-pays! ♦ PPO coverage only! ♦ 6 free (max of $100.00) doctor's office visits per member, with roll overs to the next year, if unused. ♦ Up to $800.00 per day for 30 days paid directly to you, if you are confined in the hospital for more than 1 night. ♦ Blanket Excess Medical Expense Coverage of $10,000 in for a covered accident, after a $500 deductible per accident, per Member. Paid directly to you! ♦ Under Group Plans, each policy is an individual policy, which is owned by the employee, and if the employee is fired, laid off, or just leaves on their own, they take the policy with them, and do not have to suffer with the high Cobra rates. ♦ Dental and vision coverage. ♦ And – Our Premier Med Short-Term Medical-Surgical Expense Plan (part of your policy): If any plan member suffers a serious medical event (accident, sickness, or catastrophic), resulting in a longer hospital stay or increased medical expenses, upgrade to our Premier Med Plan for $3,000.00 out of pocket, and have 100% of the total medical costs covered. No underwriting required!