Business Details
45 Years
experience
Your Trusted Houston Insurance Agent for Health, Life & Medicare Coverage
Stephen W. Herbert & Company has been a trusted name in health insurance for over 30 years. Since 1981, we have dedicated ourselves to helping individuals, families, and small businesses in Houston and across Texas find affordable, comprehensive coverage tailored to their unique needs. Our expertise spans individual and family health insurance, small group plans, life insurance, and Medicare supplements. As independent consultants, we provide unbiased guidance, offering policies from multiple carriers to ensure the best fit for clients' budgets and health goals. We specialize in navigating the complexities of the Affordable Care Act, providing personalized support to simplify enrollment and decision-making.Our agency prides itself on exceptional customer service, with a focus on transparency, education, and long-term client relationships. We serve communities including Bellaire, Sugar Land, Spring, Friendswood, and The Woodlands, ensuring local residents receive personalized attention. Our team remains current with evolving healthcare regulations to provide accurate, up-to-date advice. Whether clients prefer online comparisons or direct consultation, we offer flexible solutions, including fast enrollment through HealthSherpa. With a commitment to exceeding expectations, we strive to make health insurance accessible, understandable, and affordable for all Texans.
Services
Health Insurance
Life Insurance
Medicare Coverage
Small Group Insurance
ObamaCare Plans
Details
- Year established: 1981
Highlights and features
- We have over 30 years of experience in Texas health insurance.
- Our team provides personalized guidance through complex healthcare regulations.
- We offer free, fast quotes and HealthSherpa enrollment options.
- We serve clients across Houston and surrounding Texas communities.
- Our independent agency ensures unbiased comparisons across multiple carriers.
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and small businesses. Our services include navigating Affordable Care Act requirements, comparing plans from multiple carriers, and offering personalized guidance to help clients choose coverage that matches their healthcare needs and budget. With expertise in both high-deductible and comprehensive plans, we ensure Texans receive affordable options that meet federal and state regulations.
Life Insurance
Our life insurance services include term, whole, and universal life policies tailored to clients' financial goals. We help clients understand policy differences, evaluate coverage needs, and select plans that provide financial security for beneficiaries while considering cash value accumulation and premium flexibility for long-term planning.
Medicare Coverage
We specialize in Medicare supplement plans and prescription drug coverage for seniors. Our services include explaining Medicare Part A, B, C, and D options, comparing Medigap plans, and helping clients choose supplemental coverage that reduces out-of-pocket healthcare costs during retirement.
Small Group Insurance
We offer customized group health insurance solutions for small businesses. Our services include evaluating employee healthcare needs, comparing PPO, HMO, and HSA options, and ensuring compliance with Affordable Care Act requirements while finding cost-effective coverage that meets both employer and employee needs.
ObamaCare Plans
We help clients navigate Affordable Care Act requirements with personalized ObamaCare plan comparisons. Our services include explaining open enrollment periods, determining eligibility for government subsidies, and assisting with special enrollment circumstances to ensure compliance and affordable coverage for individuals and families.
People
Stephen W. Herbert
Authorized Insurance Agent
Stephen W. Herbert has over 30 years of experience in the insurance industry, specializing in health, life, and Medicare coverage for Texas residents. As an independent consultant, he provides personalized guidance to help clients navigate complex insurance options and regulatory requirements.
Questions
What health insurance options are available for families?
We offer comprehensive family health insurance plans with options for varying deductibles and coverage levels to suit different budgets and medical needs.
Can I get health insurance with a pre-existing condition?
Yes, under the Affordable Care Act, we help clients with pre-existing conditions obtain coverage without discrimination.
Do you offer small business group insurance?
Yes, we provide customized group health insurance solutions for small businesses with options like PPO, HMO, and HSA plans.
What Medicare supplement plans do you offer?
We provide Medigap plans to cover deductibles and copayments, along with prescription drug coverage options for seniors.
How can I compare insurance plans quickly?
Use our HealthSherpa enrollment process to compare and purchase plans online in just 5 minutes.
Are life insurance policies available through your agency?
Yes, we offer term, whole, and universal life insurance policies from multiple providers to meet different protection needs.
