Our Approach

RF Insurance Masters approach to Health Insurance and lowering your monthly premiums.


RF Insurance Masters believes that every ones needs are different when it comes to health insurance.  There is not a one solution that fits every ones needs.  Depending on where you are in life we work closely with our clients and listen to what they are having happening in their life.  For example a new parent with a your child will definitely want an office visit copay, and maybe a college graduate will just want coverage for their yearly physical, or if you are approaching 65 you may have different needs and we work with you to suggest the best options for you.  RF Insurance Masters cares about you and wants to make sure you find affordable options.  Our goal is to make sure you understand your plan and it meets your family’s needs and budget.  We are here for you anytime you should have a questions or issues with your plan.

We suggest some supplemental products that can work with your major medical plan to protect you out of pocket costs.  Supplemental coverage’s can help you to consider higher deductible plans and can offer you savings on your monthly premium outlay.  We have not found any single affordable plan that can offer you protection from paying the deductible anytime you have an issue.

AWA GAP Plans – Supplemental Accident and Critical Illness Coverage

The AWA GAP plan has two levels of coverage offered Basic 1 ($5000) and Basic 2 ($10,000)  plan.  This plans combine a supplemental accident plan with a $100 deductible per accident with coverage of $5,000 or $10,000 maximum per accident.  The plan includes Critical Illness Benefits of $5,000 or $10,000 for covered applicant and their spouse.  This will pay  a one time face value for each of the following Cancer, Heart Attack, Kidney Failure, Loss of Limb(s), Major Organ Transplant, Paralysis or Stroke.  The is payable on the first diagnosis of each of the specified illnesses.  One other great feature included with this plan is unlimited free consultations using ConsultADoc.  With major medical plans offering limited office visits, this is a great way to get consultations 24-hours a day and they can prescribe medications once they discuss the situation with you.  This can give you a quick way to get with a doctor from the convenience of your home.

To learn more and apply for this coverage :  Homeland HealthCare AWA Gap Plans

Brochure : AWA GAP PLANS_Basic Guide V1 6 1 12 11

Please let us know if you have any questions or concerns on this plan, give us a Call at 512-807-9594.  It can be a great complement with your major medical coverage to save you on your deductible exposure.  It can work with HSA or regular health plans individual or group health plan.