About HMLChoices Insurance Agency

HMLChoices Insurance Agency is an independent agency that offers comprehensive Health, Medicare, Life and other related insurance solutions. We're headquartered in Broken Arrow, OK with an additional agent office in Houston, TX. Choosing an independent insurance broker / agent to represent you is probably one of the wisest decisions that one can make. Our service is no cost to you, but our knowledge and experience are priceless.

My Experience:

I served over 7 years at the American Red Cross as the Disaster Services Progam Manager. This role opened my eyes to a widespread lack of understanding regarding insurance coverage. Many individuals were either under-insured or lacked the necessary insurance altogether.

I'm about to start my 9th year in Insurance. I often repeat that my assistance is no cost to my clients, but my knowledge and experience are priceless. Things are constantly changing in the industry and my position is much more like a caseworker than a salesman. Finding the right fit for my client's need is my top priority.

The Real Cost of Inadequate Insurance:

Having some form of insurance can provide a sense of security, but it can be misleading. It becomes evident during emergencies or disasters when people realize their coverage isn't enough. It's crucial to me that my clients never find themselves in such compromising positions, much like some of the Red Cross disaster victims.

My Commitment:

I take pride in ensuring my clients achieve genuine peace of mind. By providing them with the right coverage tailored to their needs and budget, I liken my work to casework and disaster mitigation. If it isn’t clear already, I'm passionate about researching and understanding the best insurance offerings available.

I'm a dedicated Independent Insurance Broker/Agent, licensed with top-tier Health, Medicare, and Life insurance companies. This ensures I provide valuable and affordable insurance solutions. Having all of the options makes it easy for me to be my own competition and it saves my clients a lot of time with not having to "shop around". Moreover, my assistance doesn't cost my clients anything extra nor does it affect their premiums.

How I Assist My Clients:

Guidance is at the core of my service. Whether face-to-face or over the phone, I prioritize understanding my client's needs, goals, and wants. I then explore options that align with their budget and future requirements.

My Portfolio:

I specialize in a vast array of insurance categories including:

• Individual & Family Health Insurance

• Employer Group Health Insurance

• Medicare Advantage Plans, Medicare Supplements / Medigap Plans, Medicare Prescription Drug Plans

• Life Insurance (With Living Benefits)

• Dental, Vision, and Critical Illness Insurance

• Specialized Plans: Cancer, Disability, Accident, and Long-Term Care Insurance

• Discount Plans

Rick Thomas - Your Independent Insurance Agent / Broker