Health Insurance · Denton, TX
Health Coverage
Built Around You.
Finding affordable, flexible health insurance shouldn’t feel impossible. At Fredrick Insurance Brokers, we give you access to dozens of carriers — and the independent expertise to find the plan that fits your life, not someone else’s.
Who We Help
We guide individuals & 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 than what you have — we can help. We work with a long list of carriers and walk you through every option in plain language.
If you’ve ever tried to compare health insurance plans on your own, you know how quickly it becomes overwhelming. Dozens of plan types, dozens of providers, all with different rules. We cut through that complexity and show you exactly what each option means for your life and your budget.
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.
Start With a Free QuoteWe specialize in coverage for:
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.
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. Your call, not the plan’s.
No Outpatient Deductible
Doctor visits, labs, diagnostics, and outpatient surgery covered from day one. First-dollar coverage that puts benefits in your hands immediately — no waiting to hit a threshold.
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 coverage 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 — not before treatment begins.
24/7 Telemedicine
Guaranteed 24/7 access to Teladoc. Talk to a U.S. board-certified physician by phone or video, get prescriptions, and skip the waiting room — any time.
Patient Advocacy
The Karis Group negotiates medical bills on your behalf — free of charge. For bills over $2,500, their average savings is 70%. A professional negotiator in your corner.
Plan Options
The variables we’ll navigate together.
During your consultation, we’ll walk through every factor that impacts 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 situation.
Co-Insurance Percentages
We’ll explain how cost-sharing percentages affect your total exposure and which split makes sense for your usage patterns.
Waiting Periods
Some plans have waiting periods for specific services. We’ll make sure you know exactly when your coverage kicks in — no surprises.
Exclusions & Conditions
Every plan has fine print. We read it for you and flag anything that could affect your coverage based on your health history.
The Process
Simple. Transparent. On your timeline.
We made the process as straightforward as the advice we give. Here’s what working with us looks like.
Book a Free Call
No pressure, no sales tactics. Just a focused conversation about your situation, your priorities, and your budget.
We Compare Carriers
We search across our full carrier network to find options that match your needs — then present them side by side so you can truly compare.
You Choose Confidently
No confusing jargon. We make sure you understand exactly what you’re getting before you sign anything. The decision is always yours.
We Stay With You
Enrollment isn’t the end — it’s the beginning. Claims help, annual reviews, and ongoing support. We’re your broker for the long haul.
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. Not a single dollar.
Argyle ISD Teacher
Denton Area, TX
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 with the same coverage quality.
Mesquite ISD Teacher
DFW Area, TX
As a self-employed contractor, I had no idea my old policy wouldn’t cover a work injury. Fredrick found me a plan that travels with me wherever I work.
Independent Contractor
Denton, TX
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 whether you go directly to a carrier or through us. The difference is you get expert guidance, plan comparison, and ongoing support at no extra cost.
Can I still see my current doctor?
In most cases, yes — especially with our flagship plan, which pays the physician benefit regardless of provider. We’ll confirm your doctor’s network status during your consultation and build your plan accordingly.
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 have. For Texas teachers, we specialize in finding savings through GAP plans and private plans for spouses and children.
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. We handle the paperwork and walk you through every step.
What happens if I need to file a claim?
You call us. We’re here to help with claims navigation, billing questions, and disputes. For qualifying bills over $2,500, our flagship plan also brings in the Karis Group — professional patient advocates who negotiate on your behalf at no cost to you.
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 give you honest advice — even if that advice is that you’re already in a great place.
Fredrick Insurance Brokers is an independent licensed insurance agency. This page may not display all available Qualified Health Plan options in your state. To review all available plans, visit HealthCare.gov. Plan availability, features, and qualification requirements vary by individual and situation.
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.
📍502 W Oak St STE 102A, Denton, TX 76201
📞(972) 375-0507
⏰Monday – Friday · 9:00 AM – 5:00 PM
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