Family sitting together in living room, representing protection and coverage

Insurance coverage that protects what matters most

Health coverage built around your life — plus accident, HMO, and life insurance options to keep every angle protected. Get covered with First Cover Health.

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Coverage options

Coverage plans tailored to your needs

Choose the protection that fits your life. Each plan includes essential coverage with flexibility to add more.

Medicare Advantage & Supplemental Plans

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Tailored health coverage designed for seniors and dual-eligible individuals, with access to preventive care, specialist visits, and hospital services that fit your unique needs.

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Features:

All‑in‑one medical and hospital coverage that replaces or wraps around Original Medicare.

Many plans with $0 or low monthly premiums (Part B still required).

Predictable copays for doctor visits, hospital stays, and diagnostic services.

Part D drug coverage is frequently included, featuring capped insulin costs and the latest prescription benefit updates.

Extra benefits like dental, vision, hearing, OTC allowance, fitness, and telehealth on most MA plans

Annual out‑of‑pocket maximum for covered services, plus Medigap options to reduce A/B cost‑sharing.

ACA & Marketplace Health Plans

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The Subsidy Cliff Is Coming. Don't Get Caught Off Guard. Upcoming ACA changes could push your monthly premiums hundreds of dollars higher — and most families won't see it coming until it's too late. We help individuals and families under 65 plan ahead, lock in the right coverage, and stay protected no matter what changes. One conversation. Real answers. Zero pressure.

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Features:

ACA‑compliant major medical coverage (preventive, maternity, mental health, pediatric care).

Metal tiers (Bronze, Silver, Gold, Platinum) to balance premium vs. out‑of‑pocket costs.

Premium tax credits and cost‑sharing reductions for eligible households to manage subsidies.

HMO/EPO networks with primary‑care‑centered coordination and in‑network focus to control costs.

No‑cost preventive services in‑network (annual exams, vaccines, common screenings).

Online tools for provider search, plan comparison, and ongoing account management.

Life Insurance & Legacy Planning

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Life insurance today is more than a death benefit — it's a strategic tool to protect your family's lifestyle and preserve your home equity. Our modern, digital-first process eliminates medical exams and lengthy paperwork, so you can secure real coverage and genuine peace of mind in minutes.

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Features:

Instant-Issue Term Life: Get a 10, 20, or 30-year term quote and approval in under 10 mintues.

No Medical Exams: Most applicants qualify for coverage based on a simple digital health questionnaire – no needles or doctor visits.

Mortgage Protection: Ensure your family can stay in their home by covering the balance of your mortgage in the event of a tragedy.

Guaranteed Final Expense: Secure whole life coverage for seniors (ages 66-85) with no health questions asked to cover burial and end-of-life costs.

Flexible Coverage Limits: Policies ranging from $10,000 for final expenses to $2 million for comprehensive estate protection.

Portable Security: Your Coverage stays with you even if you change jobs or relocate between our six licensed states.

Accident & Gap Coverage

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A high deductible shouldn't mean one accident threatens your financial stability. Our Accident and Supplemental plans work alongside your existing coverage as a Plan Enhancer — paying cash directly to you, regardless of what your primary insurance covers.

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Features:

Direct Cash benefits: Receive a lump-sum payment for covered injuries to use for medical bills, rent, or groceries while you recover.

Deductible Buffer: Designed to cover the “Gap” between an injury and your primary health insurance’s out-of-pocket maximum.

Emergency Room Coverage: Cash payouts for ER visits, urgent care, and ambulance transportation resulting from an accident.

Sports & Active Lifestyle Focus: Ideal for families with children in youth sports or active outdoor hobbies.

No Network Restrictions: Because the benefit is paid to you, you can use any doctor or hospital you choose for your recovery.

Hospital Indemnity Add-ons: Optional coverage that pays a daily cash benefit for every 24 hours you are admitted to the hospital.

Coverage options

Coverage for every family member — fur included.

Life, accident, health, HMO, and pet insurance coverage tailored to your needs — because every member of your family deserves protection. Pet coverage starts at just $19/month. Get your personalized quote in minutes.

Pet Insurance Quote

Coverage Options

Insurance Protection Tailored to You

First Cover Health offers four core insurance products designed to protect you and your family against life's uncertainties.

Life Insurance

Secure your family's financial future with coverage that pays out when you need it most.

Accident Coverage

Fast protection if unexpected accidents happen. Coverage kicks in when you need financial support most.

Health Insurance

Comprehensive medical coverage for routine care, emergencies, and preventive health services.

HMO Coverage

Managed health coverage with access to a network of doctors and coordinated care benefits.

Client stories

Real people, real protection

Real people. Real coverage. See how First Cover Health helped individuals and families across the country find the protection and peace of mind they deserved.

Life Insurance Instant Quote

I needed health coverage fast, and First Cover Health made the process straightforward. I was approved within days and had peace of mind knowing my family was protected.

Maria Gonzalez

Healthcare Worker, Dallas

After an accident, I was grateful my coverage kicked in without hassle. First Cover Health handled everything professionally, and I could focus on recovery instead of paperwork.

James Mitchell

Construction Supervisor, Dallas

I was looking for simple life coverage without confusion. First Cover Health's team answered all my questions, and I got coverage that actually fit my budget and needs.

Patricia Chen

Small Business Owner, Dallas

As a freelancer, finding affordable HMO coverage was tough until I found First Cover Health. The coverage is solid, and their customer service actually responds when I have questions.

David Torres

Freelance Designer, Dallas

Our impact

Trusted coverage for thousands of families

First Cover Health delivers reliable insurance protection across life, accident, health, and HMO plans. Our growing client base reflects our commitment to clear pricing and responsive service.

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Insurance types offered

Life, accident, health, and HMO coverage available through our licensed portfolio.

98%

Claims processed on time

We handle claims efficiently so you get the coverage you need when you need it.

Dallas-based

Local support

Personalized service from our team in Dallas, ready to answer your questions.

1K+

Active policyholders

Growing number of families and individuals protecting their futures with First Cover Health.

Get your free insurance quote today

See coverage options and pricing tailored to your needs. Takes just a few minutes. No obligation.

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Questions about coverage

Ready to talk with us

Ask about our life, accident, health, and HMO plans. We'll answer your questions and help you find the right coverage.

info@firstcoverhealth.com

+14694617649

Dallas, Texas