King Insurance Service

At King Insurance Services, our mission is to provide exceptional service to all our clients, regardless of their size. With over 30 years of experience in the insurance industry, we have witnessed the many changes in laws and plans that employers have had to work with. We understand the importance of staying informed and proactive in an ever-changing environment. As members of the Houston Association of Health Underwriters, we stay up-to-date on the latest changes and developments that can impact your business. This knowledge allows us to provide personalized service and expert guidance to help you navigate the complexities of the insurance industry.

Our Services

At King Insurance Services, we offer a wide range of insurance services designed to meet the unique needs of your business. Our expertise includes:

• Health Maintenance Organization (HMO): We offer comprehensive health insurance plans that provide comprehensive care for you and your family, including doctor visits, hospital stays, emergency care, and more.
• Preferred Provider Organization (PPO): Our PPO plans offer flexibility and choice, allowing you to visit any doctor or hospital that is part of the network.
• Life and AD&D Insurance: We provide life insurance coverage designed to replace income lost due to the death of a wage earner.
• Medicare Supplement: Our Medicare Supplement plans provide additional coverage to help fill gaps in original Medicare coverage.
• Long Term Care: Our long-term care insurance plans provide financial support for ongoing care and assistance.
• 401K and Cancer Plans: We offer individual insurance plans designed to meet your specific needs.
• Dental Indemnity and DMO Dental Insurance: Our dental insurance plans provide comprehensive dental care coverage.
• Disability Insurance: We provide disability insurance to protect your income in the event of a disability.
• Prepaid Legal: Our prepaid legal insurance plans provide access to legal advice and representation.
• Section 125 (Cafeteria Plans): Our Section 125 plans provide flexible spending accounts for health care and dependent care expenses.
• Term Life and Travel Coverage: We offer term life insurance plans and travel coverage to provide financial protection during international travel.

Our Philosophy

At King Insurance Services, we believe that service is the most important ingredient in maintaining a strong relationship with our clients. Whether you have an HMO, PPO, or Dental program, you deserve good service. We have a strong knowledge of the products available and the service requirements associated with each. Our goal is to keep every client fully informed and to provide personalized service to meet their unique needs.

Our Products

Our products are designed to meet your needs at a cost you can afford. Some of the products we offer include:

• Health Maintenance Organization (HMO)
• Preferred Provider Organization (PPO)
• Dental Indemnity and DMO Dental Insurance
• Long Term Care
• Long Term Disability
• Life and AD&D Insurance
• Medicare Supplement
• Medicare Advantage
• Medicare Drug Plans
• Short Term Disability
• Voluntary Products
• Dental Cancer Plans
• Term Life
• Vision
• 401K
• Section 125 (Cafeteria Plans)
• Prepaid Legal
• Travel Coverage

Health Maintenance Organization (HMO)

Health maintenance organizations are prepaid health plans that provide comprehensive care for you and your family. As an HMO member, you pay a monthly premium, which allows you to receive comprehensive care, including doctor visits, hospital stays, emergency care, and more.

Questions to Ask About an HMO

Before choosing an HMO, it's a good idea to ask the following questions:

• Are there many doctors to choose from?
• Do you select from a list of contract physicians or from the available staff of a group practice?
• Which doctors are accepting new patients?
• How hard is it to change doctors if you decide you want someone else?
• How are referrals to specialists handled?
• Is it easy to get appointments?
• How far in advance must routine visits be scheduled?
• What arrangements does the HMO have for handling emergency care?
• Does the HMO offer the services you want?