Our Location
12496 Montana Ave Ste 42,
El Paso, TX 79938
Office Hours
8:00 AM - 5:00 PM MST
915-265-5387
We Deliver Superior Health Insurance Services
Health Insurance
Life Insurance
Dental Insurance
Vision Insurance
Our commitment to excellence is unwavering, and it's not just a promise; it's a guarantee. We take pride in our relentless pursuit of providing you with the highest standard of care and protection for your health.
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Policy Selection and Customization
We help individuals select the right health insurance policies tailored to their needs, while ensuring customers get coverage that suits their healthcare requirements and potentially save them money.
Network Access
At Pereyda Financial we provide you with access to a network of healthcare providers (doctors, hospitals, clinics) that accept the insurance plan we match you with.
Customer Support
With us, you are provided with customer service and support for inquiries, policy changes, and issue resolution.
Educational Resources
We empower our policyholders and prospects to make informed decisions about their healthcare coverage to maximize the value of their insurance plans by offering educational materials and resources on health insurance topics.
Coverage Review and Updates
Our team periodically reviews policyholders' coverage needs and suggests updates to ensure you have adequate coverage as your circumstances change.
Cost Estimators and Tools
We provide tools to estimate healthcare costs for specific treatments or procedures that helps policyholders plan for medical expenses as they arise
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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