Private PPO plans
Affordable coverage you’ll actually use
- Google reviews: 4.8
- Real PeopleBased In Dallas, TX
US-Based SupportWhat a Private PPO includes
Thousands of families, teachers, freelancers, and business owners are using this affordable health plan to get better coverage at a price that makes sense.
Nationwide PPO Network
$0 Copays
No Outpatient Deductible
More freedom in how you use your coverage
Compared side by side- See any doctor
No referrals
Priced on age & health, not income
Easy to Use
Renewable to 65
Plan types
How plans compare
Most of the difference people feel day to day comes down to the network.
| Feature | Private PPO | Typical HMO | Typical EPO |
|---|---|---|---|
| Use any doctor or hospital | ✓Yes | –In-network only | –In-network only |
| See a specialist without a referral | ✓Yes | –Referral needed | ✓Usually |
| Benefits for out-of-network care | ✓Yes | –Emergencies only | –Emergencies only |
| Benefits anywhere in the U.S. | ✓Yes | –Local network | –Plan’s network |
ACA Marketplace plans are a better fit if you earn less than about $64k annually as an individual (qualify for subsidies) or are experiencing ongoing health conditions. We’ll compare both with you and help you find the best fit.
Is this for you?
If you fall into one of these categories, we should talk.
No employer contribution required
List billing for 5 or more
Under 50 employees
Patient advocacy
We’ll help you navigate the healthcare system
A U.S. based advocacy team handles the paperwork on your policy.
Pre-price careWe shop the procedure before you go
File claimsWe submit and track every claim
Negotiate billsIf a bill looks wrong, we push back
Find doctorsTell us what you need and we’ll find it in-network
Patient Advocacy is a voluntary membership and not an insurance product. Bill negotiation results aren’t guaranteed.
How patient advocacy worksPrices first, then a call
No pressure, no obligation.
Answer a few quick questionsAbout a minute
See your pricesA real number, not a guess
Pick a time to talkIf staying put is better, we’ll say so
Meet the team in your corner
Licensed agents and advocates in Dallas who know your name and answer when you call.
Ben JonesFounder 
Nick KlusmeyerSales Manager James RileyPatient Advocacy Manager 
Samantha McHoneChief Marketing Officer
Coverage area
Enroll in your state, use it nationwide
If you live in a highlighted state, you can get a plan. Once you’re covered, the nationwide PPO network travels with you.
- Plans available to residents
- Nationwide PPO network
Perfect for:
- Visiting friends
- Vacations
College
Travel for work
What clients say
4.864 Google reviewsI am self employed and the marketplace plans are outrageously expensive. Noah helped me find private insurance for a very affordable monthly rate. I would highly recommend working with him.
Michelle A.Google review Pierce was so helpful and easy to work with. He explained things well and was easily accessible. He answered all of my questions and was very knowledgeable. Highly recommend!
Alissa B.Google review Mo was alot of help very knowledgeable about the plans and help every step of the way thank you
Nathan B.Google review Noah was great! He help me through the whole process and even work after hours to get my application going.
Martin R.Google review
Read on GoogleI'm thankful a close friend recommended Pierce. Working with him was amazing. He did a great job explaining how this insurance company and coverage worked, pricing, options, and the endless questions I had. What could have been a very stressful situation was made into a smooth process by Pierce. I can't thank him enough for being good at his job! If you're shopping for health insurance please give American Allly a call and ask for Pierce.
K R.Google review Very informative
Dave J.Google review
Latest videos
Quick, plain-English answers to common health insurance questions from our team.
Common questions
Are these ACA plans?
No. These plans do not meet the requirements of the Affordable Care Act. They are medically underwritten, so not everyone qualifies.
Will someone call me right away?
No. You’ll see prices first, then pick a call time that suits you.
Does getting a quote commit me to switching?
No. If your current plan is the better fit, we’ll tell you.
What if I was treated for something recently?
Conditions treated in the 12 months before your effective date aren’t covered for the first 12 months of the policy.
Who underwrites the plans?
Philadelphia American Life Insurance Company, rated A- (Excellent) by AM Best.
Can my plan be cancelled on me?
Plans are guaranteed renewable to 65. The carrier can’t cancel you for claims or changes in your health while premiums are paid.
How do you get paid?
The carrier pays us a commission that’s built into the premium. Your premium is the same whether you buy through us or not.
Is there anything the plans don’t cover?
Yes. Maternity isn’t covered, and we’ll walk through the other exclusions with you before you enroll.
