Whether it’s for your license, a Medicaid health plan, or a broker contract, we’ll show you what’s required in plain English. Then we’ll help you see where the minimum can still leave you exposed, so you can decide what’s right for your business.
Most requested: Home health requirements Assisted living requirements NEMT requirements
Family-owned since 1980 Healthcare and human services only 20+ carrier partners
Pick your business to see the insurance it typically needs, the claims we see most often, and what they would actually cost.
Your staff go to the patient. Most of your risk travels with them: in their cars, on their schedules, inside the homes they visit.
People live in or spend their days at your place. Your risk lives in the building, the staffing, and the people in your care.
You move Medicaid patients to dialysis, appointments, and discharges. Your risk is in every van, every lift, and every broker contract.
Not sure which fits, or run more than one? Call us at (713) 383-4250.
Before we ever talk about price, we take the time to understand how your business actually runs.
Your staff, your vans, your contracts, your building. We listen first, and there are no forms to fill out.
30 minutes, freeLine by line. We compare how you operate with what your policy actually covers: exclusions, low limits, and fine print nobody explained.
60 to 90 minutesWithin a week. Every gap we found, ranked by what it could cost you, in plain English. You decide what to act on, and the summary is yours to keep either way.
Delivered within one weekAn aide has an accident on the clock, and nobody is sure how the policy will respond.
A Medicaid health plan or broker contract asks for more than the current policy carries.
Census and staff have grown, but the insurance hasn’t been updated in years.
They want to know what a worst-case claim would cost before it happens.
No one has walked them through what the policy leaves out.
They want someone who works with healthcare businesses every day.
Young’s Insurance Agency is a family-owned independent insurance firm serving Texas healthcare and human services operators since 1980. We work with 11 healthcare businesses across the state, from Home Health agencies in Houston to NEMT fleets in Dallas to Assisted Living facilities in San Antonio.
Most operators come to us when something shifts: an aide has an accident, a new Medicaid contract lands, census grows faster than coverage kept up, or they need to know what a bad claim would actually cost before it happens.
We’re based in Bellaire, inside the West Loop. As a second-generation family business, our practice is exclusively dedicated to the people who care for our communities.
If you’ve called a few agents and heard “we don’t write that,” you’re not alone. Our guide explains why it happens, where coverage actually comes from, and what to look for in an insurer and an agent.
Read the guideIt depends on your business and who you work with. For many Texas healthcare licenses, the state doesn’t set a dollar minimum. Your Medicaid health plan, transportation broker, or landlord does, in your contract. Pick your business above to see who typically requires what, or send us your contract and we’ll read it with you.
You might not need to. The review isn’t a pitch to replace your current relationship. It’s a diagnostic to find out whether your current program actually matches how your operation runs today. If it does, we’ll tell you to stay. If it doesn’t, you’ll at least know where the gaps are before a claim tells you.
Renewal is actually the worst time to evaluate coverage. There’s no room to negotiate and you’re under time pressure. The best time to do this work is 90–120 days before your next renewal, when you have options. If you just renewed, now is exactly the right window to start.
Most of our clients are between $500K and $5M in annual revenue. Smaller operators often carry the most exposure relative to their size: a single uncovered claim can be existential at that scale. The review is designed for exactly that profile.
Nothing. The 30-minute call is free. The one-page gap summary is free. You keep it regardless of what you decide to do next. We make money when we place coverage, and only when it’s the right fit.
30-minute call. No quote forms. Walk us through your operation. We’ll tell you exactly where your current policy breaks, and what a claim would actually cost.