You choose your doctor
Your plan pays the benefit regardless of provider. Stay in-network for the best value — or go out-of-network when you need to.
Health Insurance · DFW & NORTH TEXAS
Health coverage
built around you.
Finding affordable, flexible health insurance shouldn’t feel impossible. We give you access to plans built around how you actually use healthcare — then stay with you long after enrollment.
- Independent broker — no carrier bias
- Free consultation, no pressure
- Serving Denton, TX & DFW
- Multiple Carriers compared for you
- $0 Cost to consult with us
- 70% Avg bill savings via advocacy
Who we help
We guide individuals and families to the right plan.
Whether you’re self-employed, between jobs, not covered through an employer, or simply wondering if there’s a better deal available — we can help.
If you’ve ever tried to compare health insurance plans on your own, you know how quickly it becomes overwhelming. We’re not here to sell you something. We’re here to make sure you understand your options so you can make the best choice for your situation.
We specialise in coverage for
- Self-employed & freelancers
- Families & individuals
- Texas teachers (TRS supplement)
- Small business owners
- Between jobs or transitioning
- Employees wanting better options
Our flagship plan features
Coverage that actually works the way you expect it to.
Our standout carrier offers features you won’t find bundled together anywhere else — at a price that genuinely competes.
No outpatient deductible
Doctor visits, labs, diagnostics and outpatient surgery covered from day one. First-dollar coverage that puts benefits to work immediately.
You can’t be dropped
A medical event won’t get you cancelled. Keep your plan until age 65 — no surprises, no non-renewal notices when you need cover most.
Flat-rate inpatient co-pay
No $5,000–$6,000 upfront deductible before hospital care. A defined, predictable co-pay comes at the end of your bill instead.
24/7 telemedicine
Guaranteed round-the-clock access to Teladoc. Talk to a U.S. board-certified physician by phone or video and get prescriptions.
Patient advocacy
The Karis Group negotiates medical bills on your behalf, free of charge. For bills over $2,500 their average saving is around 70%.
Plan options
The variables we’ll navigate together.
During your consultation we’ll walk through every factor that affects your plan — in plain language, not insurance-speak.
Deductible options
Choose a deductible level that balances your monthly premium against what you’d pay out of pocket in a claim.
Co-insurance percentages
We’ll explain how cost-sharing percentages affect your total exposure, and which split suits your usage.
Waiting periods
Some plans have waiting periods for specific services. We’ll make sure you know exactly when coverage starts.
Exclusions & conditions
Every plan has fine print. We read it for you and flag anything that could affect your coverage.
The process
Simple. Transparent. On your timeline.
We made the process as straightforward as the advice we give.
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Book a free call
No pressure, no sales tactics. A focused conversation about your situation, priorities and budget.
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We compare carriers
We search our full carrier network for options that match your needs, then present them side by side.
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You choose confidently
No confusing jargon. You’ll understand exactly what you’re getting before you sign anything.
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We stay with you
Enrollment is the beginning, not the end. Claims help, annual reviews and ongoing support.
Side by side
Traditional insurance vs. our approach
| Feature | Traditional plan | Fredrick Insurance |
|---|---|---|
| Doctor choice | Network restricted | Any provider |
| Outpatient deductible | $1,000–$7,000+ | $0 — none |
| Hospital payment | Large upfront deductible | Flat co-pay, end of bill |
| Can be dropped after a claim | Yes, some carriers do | Never |
| Bill negotiation | You’re on your own | Karis Group (avg 70% off) |
| Telemedicine | Varies / add-on cost | 24/7 Teladoc included |
| Post-enrollment support | Ends at enrollment | Ongoing + annual reviews |
Real results
Client stories that speak for themselves.
I had an emergency appendectomy. Between my TRS plan and the GAP plan they recommended, my total out-of-pocket was zero.
Moving my child off the TRS plan to a private plan saved me $228 every month — that’s $2,736 a year back in my pocket.
As a self-employed contractor I had no idea my old policy wouldn’t cover a work injury. Fredrick found me a plan that did.
Common questions
Answers before you even have to ask.
Does working with a broker cost me more?
No. Our consultation is completely free. Brokers are compensated by carriers, not by charging clients. You pay the same premium either way.
Can I still see my current doctor?
In most cases yes — especially with our flagship plan, which pays the physician benefit regardless of provider.
What if I already have insurance through my employer?
We can compare your employer plan against private market options, including supplemental plans that layer on top of what you already have.
How long does enrollment take?
The initial consultation typically takes 20–30 minutes. Once you’ve chosen a plan, enrollment can often be completed the same day.
What happens if I need to file a claim?
You call us. We help with claims navigation, billing questions and disputes. For qualifying bills over $2,500 the Karis Group negotiates on your behalf.
Ready to get started?
Find a plan that actually
works for your life.
Schedule a free, no-pressure consultation with our Denton team. We’ll review your situation, compare your options and explain what each one means.
