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Brighter Health Insurance

| Kerri Ariche

Licensed Independent Insurance Agent

Coverage You Can Count On

Health Insurance | Medicare | Dental | Vision

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About Kerri 

Kerri is an independent insurance agent solely dedicated to helping residents of Texas find the best health insurance policy for each individual’s needs. Her goal is to  provide the information and tools to shop for individual health policies without having to talk to a high pressure sales agent. Our online comparison tools allow you to compare health benefits, rates, doctor and hospital networks, and health coverage options from different insurance companies


Kerri is the best. She was incredibly helpful and made us understand every step of this process. I felt very comfortable throughout the entire process.

~ Bev H


Open Enrollment Questions

Okay, this post is a bit lengthy, but when it comes to finding the best health insurance coverage for you and your family, there’s a lot to consider. That’s why we’re here to answer all of your questions during Open Enrollment (and beyond). We’re experts so you don’t have to be. Here are the top ten questions you’ve been asking so far this enrollment period:

1. How long after I enroll does my plan kick in?

If you enroll between the 1st and the 15th of the month, your plan will begin on the 1st day of the following month. If you enroll between the 16th and the 31st of the month, your plan will begin on the 1st day of the month after that.

2.  How do I know if my doctor is on my plan?

The quickest way to find out whether an insurance plan covers your doctor is to call the insurance carrier and the physician’s office and ask. You can also check your insurance company’s website to see if your preferred doctor comes up under their covered physicians.

3. What documentation do I need to enroll?

When you enroll in a health plan through a marketplace you’ll be asked for some basic documentation to help verify your identity and to help determine the best and most affordable plan for you and your family, including:

  • Your social security number (or document ID number if you’re a legal immigrant)

  • Information about your current income—either a pay stub, your W-2 tax form, or your most recent tax return

  • Details about any other income, such as unemployment checks, child support, veterans payment, alimony, retirement income, etc.

  • The number of people in your household—this is the number of people who you’d claim as dependents, whether or not they live with you

Health insurance provides financial protection in case you have a serious accident or illness. ... Health coverage can help protect you from high, unexpected costs. With Marketplace coverage, you'll get access to preventive services — like shots and screening tests — at no cost to you.


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