At Reliable... we don't just sell health insurance; we help our clients find Solutions that best fit their individual needs. Our staff has a combined 65 years of experience in the insurance industry, giving us valuable insight as to what is best for our clients. We pride ourselves on thinking "outside the box". What made sense for decades does not necessarily make sense today.

The health insurance industry is largely to blame for the rapid escalation of premiums that we have experienced over the last few years. When managed care was first introduced; the industry conditioned the consumer to expect first dollar coverage with the advent of LOW doctor office and prescription drug co-payments. Unfortunately, any cost savings that were achieved with managed care were wiped out by the over utilization of benefits.

The spiraling cost of health insurance has forced us to rethink how insurance should be bought. When insurance premiums were inexpensive, there was very little difference between a low deductible and a high deductible. That is no longer the case. Look at this actual case as an example: The premium for a 42 year old female on a $500 deductible plan is $397 a month, while the premium for a $1500 deductible is only $190. Why would you send the insurance company $2484 more a year to lower your deductible $1000? DO THE MATH! It simply doesn't make sense. At Reliable, it is our experience that the majority of our clients do not use ANY portion of their deductible because their policies have doctor office and prescription drug co-pays. For that reason, we generally recommend high deductible plans.

After reviewing our website you might ask yourself why we only quote one company while most others give you a handful of companies to choose from. There are literally thousands of websites, however you will find that most usually recommend the same one or two companies. Even though there are dozens of health insurance companies operating in Texas only one or two dominate at any given time. The dominating carrier at this time — and for the last 7 years, is UniCare Life & Health Insurance Company. For compelling evidence on why UniCare should be your first choice for individual health insurance, click on "Why UniCare?" on our home page.

You can count on Reliable to provide you with superior service AFTER the sale. Our office is always available to assist you with any billing or claims problems you may encounter. We will deal with the insurance company so you don't have to.

At Reliable, you can depend on us to help you determine the best Solution for YOU!