Business Details
45 Years
experience
Your Trusted Insurance Partner in Bellaire, TX
Stephen W. Herbert & Company has been a trusted name in health insurance since 1981, providing personalized solutions for individuals, families, and small businesses across Texas. With over 30 years of experience, our agency specializes in navigating the complexities of the Affordable Care Act and offering unbiased guidance to help clients find affordable, comprehensive coverage. As an independent insurance consultant, we represent major carriers like Blue Cross Blue Shield, Humana, and UnitedHealthcare, ensuring access to a wide range of plans.Our commitment to exceptional customer service sets us apart, with clients praising our ability to resolve issues directly through owner-led support. We pride ourselves on staying current with healthcare law changes and offering both online tools and one-on-one consultations to simplify the insurance selection process. Our team serves Houston and surrounding areas, including Bellaire, Sugar Land, and The Woodlands, with a focus on meeting each client's unique needs.
Services
Health Insurance
Life Insurance
Medicare Coverage
Long Term Care Insurance
Small Group Insurance
Details
- Year established: 1981
Highlights and features
- 30+ years of insurance industry experience since 1981
- Independent agency representing multiple major insurance carriers
- Owner-led customer service with direct issue resolution
- Free quotes and unbiased guidance for all clients
- Specialized expertise in Affordable Care Act compliance
What people say
Personalized service
30+ years experience
Direct owner support
ACA expertise
Multiple carrier options
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and small businesses in Texas. Our services include navigating Affordable Care Act requirements, comparing plans from major carriers, and offering personalized enrollment assistance. With expertise in both marketplace and supplemental policies, we help clients find coverage that balances cost and comprehensive protection while ensuring compliance with current healthcare regulations.
Life Insurance
Our life insurance services include term, whole, and universal life policies tailored to individual financial goals. We offer unbiased guidance to help clients choose between temporary coverage and permanent protection with cash value components. Our agency assists in evaluating policy options from multiple carriers to find solutions that ensure family financial security while considering long-term estate planning needs.
Medicare Coverage
We specialize in Medicare supplement plans and prescription drug coverage for seniors in Texas. Our services include explaining Medicare Part A-D options, comparing Medigap plans, and providing guidance on enrollment periods. We help clients understand their coverage choices while offering ongoing support for policy management and renewal requirements.
Long Term Care Insurance
Our long-term care insurance solutions help protect assets against extended healthcare needs. We offer policies covering home healthcare, assisted living, and nursing home care while explaining policy features like benefit periods and inflation protection. Our agency provides comparative analysis across multiple carriers to find cost-effective solutions for future care planning.
Small Group Insurance
We assist Texas small businesses with group health insurance plans that meet ACA requirements. Our services include comparing PPO, HMO, and HSA-compatible plans, explaining employer obligations, and helping establish employee benefit packages. We provide ongoing support for policy administration while ensuring compliance with current healthcare regulations for businesses with fewer than 50 employees.
People
Stephen W. Herbert
CLU, Authorized Insurance Agent
Stephen W. Herbert has over 30 years of experience in the insurance industry, specializing in health, life, and Medicare coverage. As an independent consultant, he provides personalized guidance to Texas residents and small businesses, focusing on affordable solutions that meet evolving healthcare needs.
Questions
What health insurance options are available for Texas families?
We offer individual and family health insurance plans compliant with ACA requirements, including bronze, silver, and gold tier options. Our agency helps compare plans from major carriers to find coverage balancing cost and benefits.
How can small businesses in Houston get group insurance?
We help Texas businesses with fewer than 50 employees obtain group health insurance plans that meet ACA requirements. Our services include comparing PPO, HMO, and HSA-compatible options from multiple carriers.
What life insurance policies do you offer?
We provide term, whole, and universal life insurance policies from multiple carriers. Our agents help evaluate options based on financial goals, family needs, and long-term estate planning considerations.
Do you help with Medicare supplement plans?
Yes, we specialize in Medicare Part A-D guidance and Medigap plans for Texas seniors. Our services include explaining coverage options and helping select policies that complement existing Medicare benefits.
Can I compare insurance plans online?
Yes, we offer online tools for comparing health insurance plans. For personalized assistance, our licensed agents provide one-on-one consultations to explain options and help with enrollment decisions.
What areas in Texas do you serve?
We serve Houston and surrounding areas including Bellaire, Sugar Land, The Woodlands, and Pearland. Our services extend statewide to all Texas residents and businesses.
Reviews (1)
Z. F.
Apr 11, 2016
Report
Stephen and his staff were swamped with end of the year new business due to the massive negative changes in the 2016 health ins plans, and he still took the time to meet with me, discuss options, and recommended the best money saving plans. He did not try to sell me any more than I needed. He followed up with me at each step and was able to get insurance cards before they were officially mailed, a day before our doctor's appointment. Everyone in his office is pleasant to deal with, and I am happy I found him.
