Stop Overpaying for Restrictive HMOs.
Experience the Freedom of Private PPO Health Plans.
Tired of astronomical deductibles, county-locked doctor networks, and mandatory specialist referrals? If you are relatively healthy, you qualify for private medically underwritten PPO plans that deliver superior doctor access at a fraction of marketplace prices.
Why Choose a Private PPO Plan?
- ✓Nationwide Network Freedom: Choose any doctor, specialist, or hospital across the country.
- ✓Zero Referral Roadblocks: See specialists immediately without waiting for PCP permissions.
- ✓Health-Based Savings: Lower premiums because you are not subsidizing high-risk community pools.
- ✓Year-Round Enrollment: Apply and get covered anytime without waiting for open enrollment.
Private PPO vs. Public ACA Marketplace
Compare the key structural differences before you choose your next policy.
| Feature / Benefit | Public ACA / HMO Exchange | Pachall Prime Private PPO |
|---|---|---|
| Doctor Network | Strict county-level HMOs; out-of-network claims denied | Nationwide premier PPO network across all 50 states |
| Specialist Referrals | Mandatory PCP visit & prior referral required | Direct scheduling—no gatekeepers or referrals |
| Enrollment Timing | Restricted to Nov 1 – Jan 15 (unless strict SEP event) | 365 days a year enrollment with fast active dates |
| Monthly Premium Cost | High subsidized rates that increase annually by 10–25% | Substantially lower rates based on individual health qualification |
| Personal Advisor Service | Anonymous government portals or offshore call centers | Direct cell phone access to Brittany Pachall (817-688-1021) |
Hey there! I’m Brittany Pachall.
Your Health Insurance Advisor.
Navigating health coverage on your own is stressful and overwhelming. As an independent licensed advisor, I cut through the confusion to help you secure coverage that genuinely fits your life, health, and budget.
Whether you are an independent 1099 contractor looking for portable PPO freedom, a growing family seeking lower deductibles, an employer wanting voluntary benefits at zero direct cost, or someone transitioning between jobs—I ensure you get the strongest protection available.
"I believe in personalized coverage, peace of mind, and protection for every season of life. When you work with me, you get a dedicated human advocate in your corner—not an automated bot or a high-pressure call center."
Health Insurance Questions Answered
What is a Private Medically Underwritten PPO plan?
A private medically underwritten PPO plan is an individual or family health insurance policy where eligibility and premiums are based on personal health history. Because qualifying members are relatively healthy, monthly premiums are typically 30% to 50% lower than ACA exchange plans, and members gain access to premier nationwide PPO networks without referral restrictions.
Do I need a referral from a primary care doctor to see a specialist?
No. Under a PPO (Preferred Provider Organization) plan, you have the freedom to schedule appointments directly with dermatologists, orthopedists, cardiologists, and specialists anywhere across the country without waiting for primary care referrals.
Can I sign up outside of Open Enrollment?
Yes. Private medically underwritten plans accept applications 365 days a year. You do not need a qualifying life event (like marriage or job loss) to apply.
What happens if I travel outside Texas?
Brittany’s plans feature Nationwide PPO networks with in-network doctors and hospital systems across all 50 states (and Brittany is licensed in 30 states to advise and manage your policy).
Find Out How Much You Could Save on a Private PPO
Let Brittany run an instant doctor verification and rate comparison for your household or business. No cost, no obligation, no pressure.