Fredrick Insurance Brokers

Health Insurance Insights

Plain-English guidance from licensed Texas brokers. Stories, tips, and answers to the questions our neighbors actually ask.

Claims Decoded: The Agent's Role vs. Your Responsibility

Don't pay that first medical bill. Episode 2 of the Fredrick Insurance Brokers Podcast: how to read an EOB, spot CPT and ICD coding errors, negotiate surprise charges, and build the paper trail that p... ...more

Health Insurance

June 21, 2026

Why Independent Brokers Matter When Choice Disappears

Captive agents have a quota. Independent brokers have options. John Fredrick on carrier choice, renewal churn, and advocacy when a claim goes wrong. ...more

Health Insurance

June 20, 2026

You Have More Health Insurance Options Than You Think

Most Texans assume ACA is their only option. An independent Denton broker explains captive vs independent, PPO vs HMO, and what you really pay. ...more

Health Insurance

June 20, 2026

Independent, family-owned health insurance agency serving Denton, TX and all of North Texas. Katherine Clark & John Fredrick work in the best interest of their clients, not the carriers.