healthbyheatherrene.com

About Heather Rene

Your dedicated insurance advisor with a passion for protecting families

Hi, I'm Heather Rene! 👋

Twenty years ago, I started my career helping patients at Memorial Hermann Heart and Vascular Transplant in Houston's renowned medical center. Every day, I witnessed the difference that quality health insurance made in people's lives, and the devastating impact when coverage fell short.

That experience changed everything for me. I knew I wanted to spend my career helping people protect themselves and their families.

I went on to work in the legal fields, where I learned to read between the lines, understand complex contracts, and fight for my clients' rights. These skills became invaluable when I transitioned into health insurance five years ago.

Today, as a licensed health insurance advisor, I combine my healthcare background, legal expertise, and insurance knowledge to serve my clients in a way most agents simply can't. I understand medical terminology, I can explain policy details in plain English, and I know which questions to ask to ensure you're truly protected.

My diverse 20-year career has taught me one thing: people deserve an insurance advisor who genuinely cares and has the experience to back it up. That's exactly what I provide every single day.

Licensed & Certified - Texas Licensed Agent - Health Insurance Specialist - ACA Certified

Insurance Services

Small Business Solutions

Individual Health Insurance

Group health insurance options for small businesses looking to provide benefits to their employees.

Individual Health Insurance

Personalized health insurance plans for individuals with comprehensive coverage and affordable premiums.

Family Coverage

Self-Employed Plans

Protect your entire family with plans that cover everyone's healthcare needs, from routine checkups to emergencies.

Self-Employed Plans

Specialized coverage for entrepreneurs, freelancers, and contractors who need flexible, affordable health insurance.

Client Testimonials

Heath Golf & Yacht Club

" A huge thank you to Heather...

Heather did an exceptional job helping us with our individual medical needs and finding the right policies that fit our coverage requirements, existing medical conditions, and budget. She worked tirelessly and showed incredible patience throughout the entire process. We'll admit - the four of us (especially me) were a bit needy, difficult, and complicated at times - but Heather remained kind, patient, professional, and supportive every step of the way. She guided us seamlessly through the transition from a group policy to individual medical and dental plans, saving us a significant amount of money while maintaining equivalent coverage. Her expertise, dedication, and genuine care made all the difference. If you're looking for someone you can truly trust with your insurance needs, Heather is the one to call!"

⭐⭐⭐⭐⭐

Small Business Owner

Cindy W.

Heath Golf & Yacht Club

" Also, just need to tell you how amazing you've been in helping us navigate and find the perfect health insurance plan for our individual health issues & needs. Your care, patience, and guidance have made such a difference, and I honestly can't thank you enough. I do know some things are beyond your control, but the way you've gone above and beyond for us doesn't go unnoticed. I will wholeheartedly recommend you to anyone who needs help with insurance or benefits."

⭐⭐⭐⭐⭐

Individual

Ryan D.

David R.

" If you or anyone you know needs Health Insurance, or has a plan that may not carry over to next year | highly suggest letting a professional do the work to find your new coverage. Heather Rene Williams knows how to get a tailor-made plan for you at the best price. She will work with you to get you setup for the new year. If you dont have the pleasure of knowing her, just tell her I sent you and do yourself the biggest favor and get your coverage for 2026 through her."

⭐⭐⭐⭐⭐

Self-Employed

David R.

"We wanted to offer health benefits to our employees but didn't know where to start. Heather set up everything for us and our team loves their coverage. Worth every penny!"

⭐⭐⭐⭐⭐

Small Business Owner

Frequently Asked Questions

Please reach out to me at: heather@healthbyheatherrene.com if you cannot find an answer to your question.

What is a PPO network?

A PPO (Preferred Provider Organization) network gives you access to a large group of doctors and hospitals at discounted rates. You can see any doctor in the network without a referral, and you can even see out-of-network providers (though you'll pay more). PPOs offer the most flexibility and are ideal if you want to choose your own doctors.

How much does health insurance cost?

Health insurance costs vary based on your age, location, plan type, and coverage level. In Texas, individual plans typically range from $200-$700 per month, while family plans can range from $800-$2,000 per month. However, many people qualify for subsidies that reduce these costs significantly. I'll help you find affordable options that fit your budget.

When can I enroll in health insurance?

The main enrollment period (Open Enrollment) typically runs from November 1 to January 15 each year. However, you may qualify for a Special Enrollment Period if you've experienced a qualifying life event like losing job-based coverage, getting married, having a baby, or moving to a new state. Contact me to see if you qualify for immediate enrollment.

What's the difference between a premium, deductible, and copay?

Your premium is the monthly amount you pay to have insurance. Your deductible is the amount you pay out-of-pocket before insurance starts paying. A copay is a fixed amount you pay for specific services (like $30 for a doctor visit). Understanding how these work together is key to choosing the right plan - I'll help you compare the total costs.

Do I need health insurance if I'm young and healthy?

Yes! Even healthy people can face unexpected medical emergencies - accidents, sudden illnesses, or newly diagnosed conditions. Health insurance protects you from devastating medical bills that can cost tens or hundreds of thousands of dollars. Plus, you'll have access to free preventive care to help you stay healthy.

Can I keep my current doctor?

Yes! With our insurance you can go to any doctor and to any hospital. Before enrolling, I'll verify that your doctors and preferred hospitals accept the plan. If for some reason your doctor isn't in a particular network, I'll find you other high-quality options or alternative plans that include your provider.

What if I have a pre-existing condition?

Since our plans are private you have to quality. Good news is we offer policies that are guaranteed approval if we think you would be a good fit.

How do I know which plan is best for me?

The best plan depends on your specific situation - how often you see doctors, which medications you take, your budget, and your risk tolerance. That's exactly why I offer free consultations. I'll review your needs, compare your options side-by-side, and help you choose the plan that gives you the best value and peace of mind.

Your Trusted Insurance Partner in Houston

500 Million+

500 Million+

500 Million+

20+

500 Million+

500 Million+

98%

500 Million+

98%

About Heather Rene

Hi, I'm Heather Rene! 👋

Insurance Services

Small Business Solutions

Individual Health Insurance

Individual Health Insurance

Individual Health Insurance

Individual Health Insurance

Individual Health Insurance

Family Coverage

Self-Employed Plans

Self-Employed Plans

Self-Employed Plans

Self-Employed Plans

Self-Employed Plans

Client Testimonials

Heath Golf & Yacht Club

Heath Golf & Yacht Club

Heath Golf & Yacht Club

Cindy W.

Heath Golf & Yacht Club

Heath Golf & Yacht Club

Ryan D.

David R.

David R.

David R.

David R.

David R.

Frequently Asked Questions

Request a Free Quote

Ready to find your perfect coverage?

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