Business Details
22 Years
experience
Trusted Insurance Services in Houston
Founded in 2004, Ross Enterprises Insurance Agency has established itself as a trusted leader in the insurance industry, serving businesses and individuals in the Houston Metropolitan and Galveston areas. Our mission is to deliver the highest level of administration and management in benefits and risk management, combining decades of experience with a client-centered approach. We specialize in customized group insurance benefit plans, including health, dental, life, and supplemental coverage, designed to meet the unique needs of small and large businesses. With a focus on transparency, integrity, and cost savings, we utilize innovative strategies like Reference-Based Pricing to mitigate balance billing and reduce healthcare costs by 18%-35%. Our team of insurance specialists is dedicated to providing personalized service, ensuring clients receive zero deductibles and no out-of-pocket expenses at Safe Harbor Facilities.We maintain strong partnerships with providers and adhere to core values of trust, respect, and ethical conduct. As a Women's Business Enterprise Alliance-certified agency, we prioritize ongoing education to stay at the forefront of industry trends. Our commitment to excellence has earned us a reputation for delivering strategic solutions that directly impact clients' bottom lines. We work closely with employers to simplify complex insurance processes, offering support for retirement planning, 401(k), and pension solutions. With over 57 years of local expertise, we empower businesses to protect their employees while fostering long-term growth.
Services
Health Insurance
Life Insurance
Dental Insurance
Supplemental Coverage
Retirement Planning
Reference-Based Pricing
Self-Funded Plans
401 K Solutions
Pension Planning
Employee Benefits
Details
- Year established: 2004
Highlights and features
- We offer over 57 years of local Houston insurance expertise.
- Our Reference-Based Pricing model reduces healthcare costs by 18%-35%.
- We provide zero deductibles and no out-of-pocket expenses at Safe Harbor Facilities.
- Our team includes certified insurance specialists with decades of industry experience.
- We maintain strong provider partnerships to mitigate balance billing risks.
Associations and certifications
- BBB Rating
- Women's Business Enterprise Alliance
- National Association of Health Underwriters
- SGS Self Funding Certified
What people say
Very professional
Awesome company
Personalized customer care
Stellar response time
Impeccable organization skills
Services
Health Insurance
We provide comprehensive health insurance plans tailored for Houston businesses, including preventive care, doctor visits, and hospitalization. Our solutions feature zero deductibles and no out-of-pocket expenses at Safe Harbor Facilities, ensuring affordable access to quality care. With Reference-Based Pricing strategies, we help employers reduce healthcare costs by 18%-35% while maintaining robust coverage.
Reference-Based Pricing
Our Reference-Based Pricing model establishes reimbursement rates based on Medicare guidelines, cutting costs by 25%-30% compared to traditional PPO plans. This transparent system empowers employers to control healthcare expenses while maintaining provider payments above Medicare levels. We provide expert support to navigate balance billing challenges and maximize savings.
Life Insurance
We offer affordable group life insurance options that help employees plan for unexpected events. Our policies integrate seamlessly with comprehensive benefits packages, providing financial security for families while offering employers cost-effective coverage solutions. We work closely with clients to determine appropriate coverage levels and policy structures.
Retirement Planning
Our retirement planning services include customized 401(k) and pension plans designed to meet business owners' long-term financial goals. We provide expert guidance on plan design, compliance, and investment options, ensuring both employer and employee needs are met through strategic, tax-advantaged solutions.
Supplemental Coverage
We offer supplemental insurance products that provide additional financial protection for unexpected medical expenses. These plans work alongside primary health coverage to reduce out-of-pocket costs for policyholders, enhancing overall benefits packages without significantly increasing employer expenses.
People
JoAnn Ross
Founder & President
With 57 years in the Houston community and 20 years as an independent broker, JoAnn brings deep insurance expertise and a commitment to personalized service. She previously worked in legal fields as a medical malpractice paralegal before establishing Ross Enterprises Insurance Agency in 2004. Known for her integrity and client-first approach, she specializes in employee benefits and ACA compliance.
Questions
What types of insurance plans do you offer for small businesses?
We provide customized group health, dental, life, and supplemental insurance plans for small businesses, including Reference-Based Pricing options that reduce costs by 18%-35%.
How does Reference-Based Pricing work?
RBP establishes reimbursement rates based on Medicare guidelines, reducing healthcare costs by 25%-30% compared to traditional PPO plans while maintaining provider payments above Medicare levels.
Do you serve businesses outside Houston?
We primarily serve Houston Metropolitan and Galveston areas but can assist businesses throughout Texas with our flexible insurance solutions.
What makes your agency different from other brokers?
Our 57-year local experience, transparent pricing models, and personalized service approach set us apart, with a proven track record of reducing client healthcare costs by 18%-35%.
Can you help with ACA compliance?
Yes, we specialize in ACA-compliant plans and provide expert guidance to ensure your business meets all regulatory requirements while optimizing coverage.
What support do you offer after plan implementation?
We provide ongoing support for claims processing, policy adjustments, and annual renewals, maintaining proactive communication to ensure your plan evolves with your business needs.
