Making Sense of Health Insurance
Vic Prichard has been in your shoes. As a former self-employed contractor and small business owner, he knows what it’s like trying to find affordable health insurance that can meet your needs today, tomorrow, and for years to come. It’s a jungle — and that’s putting it mildly, especially when you consider the countless hours wading through confusing policy plans, fine print, and call center wait times.
And don’t get him started on the monthly premiums, many of which are inflated well beyond what most people should be paying.
“What many people don’t understand is that what they see on healthcare.gov only represents 20% of the available plans. There are dozens more that aren’t advertised on customer-facing websites and can be customized to meet their needs,” Vic said. He pivoted from a career as a realtor to start DFW Direct Insurance in 2009. “You could try to find them alone, but you don’t have to.”
He added, “People value working with someone they trust rather than dealing with someone in a call center.”
When Vic founded DFW Direct Insurance in Flower Mound, his mission was simple — demystify health insurance and make it accessible to anyone who needs it. At the same time, he wanted to prioritize transparency and client education.
After all, not everyone’s insurance needs fit into the same box. Furthermore, not everyone can access group insurance plans through their employers. DFW Direct Insurance has been helping individuals, families, and businesses of all shapes and sizes quickly locate the best health insurance coverage and private market plans at the lowest possible cost.
They can instantly shop over 20 top-rated insurance carriers and either put you into an existing plan or take the best parts of several plans to customize a new plan to cover all your bases. Vic and his team can help with supplemental plans for dental, vision, cancer, disability income, home healthcare, Medicare, and more.
And the best part is that plans are available for year-round enrollment, and next-day effective dates are available.
“It’s nice to know you have options,” Vic said. “Consumers want freedom of choice and to only pay for the benefits they want and need. Maybe they have kids who play sports and are worried about accidents. We can tailor a plan for that. Perhaps one spouse is on a group plan, but it’s cheaper to have some of the family on a separate private market plan. We can do that, too.
“We offer personalized, one-on-one service, and it’s at no cost to our clients. The premium is the same regardless.”
The proof is in the pudding.
DFW Direct Insurance has over 340 five-star reviews on Google, and most of its business comes from referrals and word of mouth.
“We are licensed in 45 states, which means we can work with almost anyone,” Vic said. “Just the other day, I received a referral from a lady in Texas whose sister is in Florida. To have that versatility is important.”
Vic spent 20 years in the retail grocery business before venturing out as a real estate broker. He loved both jobs, but he never quite felt like he was doing what he was meant to do in life. When the market crash happened in 2008, he saw it as a golden opportunity to pivot to a career that gave him more freedom and the ability to help more people.
“That’s been my purpose for 15 years, and I want to be there for them before, during, and after the enrollment,” he said. “I live here in Flower Mound, so if you have a question on a claim or benefit, I can get you an answer faster and with greater accuracy than what you might get sitting on hold or dealing with someone in a call center who’s simply reading from a brochure to find your answer.”
DFW Direct Insurance offers a 100% plan satisfaction guarantee so that you know you’re putting your trust in the right broker. They also offer a meet-or-beat rate guarantee and no-contract guarantee on most of their plans.
