Steve Pipkin, CLU, ChFC and Barbara Pipkin at Benefits 4U (Pipkin & Pipkin, Inc) are in their twenty-second year selling and servicing health insurance for Texans and Texas businesses.

At Benefits 4U we provide quality affordable health insurance through insurance companies known for their superior service.

If you'd like to apply in person, or by mail, just contact us and we'll do it the old fashioned way. Either way, we would be honored to serve as your insurance agents.

If you have any questions, need additional help, or would like to know more about us, you may contact us and we'll be happy to provide you with anything you need.

Assurant Health


CLICK HERE TO APPLY!

This is our oldest health insurance partner. We began with Assurant Health when they were Time Insurance Company and the high quality continues under the Assurant banner today. Time Insurance Company, Union Security Insurance Company (Formerly Fortis), and John Alden all come under the Assurant Health umbrella. Assurant Health offers a broad range of plan options and physician networks to help you define the plan and price that is right for you and your family. Recently, Assurant Health has decided to offer maternity coverage as an option. Hurray!! This needed option is long over due. Also, if you are between jobs, Assurant Health's Short Term Medical plan may be just the ticket for you.

Best Features:
1. SIX PPO Physician Networks to choose from.
2. FIVE plans with lots of options to fit any budget.
3. Maternity Coverage available.
4. Very good Prescription Drug Card.
5. Health Savings Account Plans (HSA) available.
6. Dental plan is available.
7. Supplemental accident coverage is available.
8. Life Insurance available with the medical plan.
9. Short Term Medical plans available.
10. TWO YEAR Rate Guarantee on select plans.

CLICK HERE to quote and/or apply with Assurant Health

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Blue Cross Blue Shield of Texas


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We brought Blue Cross Blue Shield of Texas to our agency in 2005 and they've been just great! What can I say...it's Blue Cross Blue Shield of Texas! This company's great reputation speaks for itself and we're tickled to have a relationship with them. With an individual or family health insurance plan, you can buy a first rate, full blown dental plan WITH ORTHODONTICS. How great is that!? Blue Cross Blue Shield of Texas offers plenty of plans and options for any budget. Working up a quote is easy. Just play around, mix and match, and you're sure to put together the plan that's right for you.

Best Features:
1. VERY broad physicians network.
2. Three plans available not including HSA plans and hospital only plans. All have lots of options to choose from for tailoring the plan to fit your needs.
3. DENTAL PLAN WITH ORTHODONTICS available!!! Sorry, you can't buy the dental without the health plan.
4. Prescription drug card.
5. Health Savings Account Plans (HSA) available.
6. Short Term Medical plan available.
7. HOSPITAL ONLY plan available.

CLICK HERE to quote and/or apply with Blue Cross Blue Shield of Texas

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United Healthcare


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The plans you will see here are underwritten by Golden Rule Insurance company which was purchased by United Healthcare in 2006. So, we now have two great names behind us. We've had this company as a health insurance partner in our agency for over twenty years. They've always offered interesting options for our clients. In fact, Golden Rule Insurance Company pioneered the Health Savings Account (HSA) concept and became the blueprint for the United States Congress when they legislated this revolutionary tax saving idea. Another unique niche we can fill is for the professional athlete. Most companies won't approve a health insurance application for a professional athlete. We've been able to get health insurance for some golf pro's through this plan. This always has been, and still is a great company and I recommend them highly.

Best Features:
1. United Healthcare Choice Care Network or the HealthSmart Network for rural areas.
2. Five major medical plans with lots of options to choose from.
3. Two HSA plans.
4. Short Term Medical available.
5. Supplemental Accident coverage.
6. Prescription drug card available.
7. Maternity Coverage available.
8. Life insurance coverage available as an option.

CLICK HERE to quote and/or apply with United Healthcare

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HumanaOne


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Humana has been a big partner for us as a group health insurance provider since the early 1990's. Just a few years ago Humana introduced their HumanaOne individual medical plan which has been a huge hit ever since. This is certainly among of the most popular of plans. There are lots of options to choose from and again, this is a very fine company and we're glad to be an authorized agent for HumanaOne and offer their plans to you.

Best Features:
1. Four medical plans with various deductible options.
2. Large PPO physicians network.
3. Three HSA plans.
4. Prescription Drug Card available.
5. Supplemental accident coverage available.
6. Dental plan available.
7. Life insurance option.

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American Medical Security


CLICK HERE TO APPLY!

American Medical Security, like Golden Rule Insurance company, is owned by United Healthcare. However, American Medical Security remains autonomous when it comes to designing and underwriting their health insurance plans. So, the plans are different, and prices and benefits are different. This company has been another that we have had in our agency for many years and they've done a great job. If you find a plan that is a good fit for you here, I can recommend this fine company without reservation. They have just about every option you can think of except maternity.

Best Features:
1. Three plans to choose from including a Health Savings Account (HSA) plan, each with a wide variety of options.
2. $10,000 life insurance and accidental death and dismemberment comes with the plan with the option to buy more.
3. Dental coverage is available.
4. Large PPO physicians network.
5. If you find an error on a hospital or medical bill, American Medical Security will pay you 50% of their savings up to $1,000!
6. Eligible expenses are covered if you are injured on the job. This is important to know if your employer doesn't carry workman's compensation insurance.
7. Prescription drug card is available.
8. Vision exams are covered and discounts are available for eye care.
9. Supplemental accident coverage is available.
10. Coverage for lab and X-ray expenses under the office visit copay is available.
11. You can apply on-line, or print an application and send it to me.

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