Our Location
12496 Montana Ave Ste 42,
El Paso, TX 79938
Office Hours
8:00 AM - 5:00 PM MST
915-265-5387
We ensure quality
At Pereyda Financial, we're not just your average health insurance agency; we're your trusted partner in securing your family's future. Our story is rooted in a passion for helping families protect what matters most.
Who Are We?
We are a team of dedicated professionals with a single mission: to provide you with the peace of mind you deserve. Our experts are here to guide you through the world of health insurance, making it simple and accessible.
Awards & Recognitions
2021 Marketplace Elite Plus Circle of Champions: Celebrating Excellence and Achievement
Certificate of Recognition
Our Testament to Unparalleled Excellence
Connecting Consumers with Coverage Award
We Are Setting the Gold Standard in Service Excellence
For almost 5 Years We Have Been Providing Exceptional Health Plans
Let’s not meet by accident, come in and see how much you can save now
When it comes to securing your future and protecting your loved ones, meeting by accident isn't a strategy. Pereyda Financial invites you to take control of your financial well-being by exploring our health insurance solutions. Here's why you should come in and see how much you can save:
We provide financial security for your loved ones, we offer competitive rates to help you maximize your savings while getting the coverage you deserve and our experienced advisors will work with you to design a policy that suits your unique circumstances and budget. We know that no one-size-fits-all!
Frequently Asked Questions
Below, you'll find answers to several common questions that often arise when discussing health insurance.
Why do I need health insurance?
Health insurance helps cover the cost of medical care, protecting you from high medical bills and ensuring you can access necessary healthcare services.
What happens if I don't have health insurance?
You may be subject to penalties under the Affordable Care Act (individual mandate), and you'll be responsible for paying all of your medical expenses out of pocket.
Are pre-existing conditions covered by health insurance?
Under the Affordable Care Act, insurance companies cannot deny you coverage or charge you more because of pre-existing conditions.
What is a network, and how does it affect my coverage?
A network is a list of doctors, hospitals, and healthcare providers contracted with your insurance company. Staying in-network often means lower costs, while out-of-network care may have higher expenses.
What is the Open Enrollment period, and can I get health insurance outside of it?
Open Enrollment is a specified period each year when you can enroll in or make changes to your health insurance plan. Outside of this period, you can usually enroll or make changes only if you qualify for a Special Enrollment Period due to life events like marriage or job loss.
Is preventive care covered by health insurance?
Most health insurance plans cover preventive services like vaccinations, screenings, and wellness visits at no additional cost to you.
What are the different types of health insurance plans?
Common types include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), and Point of Service (POS) plans.
How do I choose the right health insurance plan for me and my family?
The choice depends on factors like your budget, healthcare needs, and preferred doctors and hospitals. Consider factors such as premiums, deductibles, and network coverage.
Can I stay on my parents' health insurance plan as a young adult?
Under the Affordable Care Act, you can typically stay on your parents' plan until you turn 26, even if you're married, not living with them, or financially independent.
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