Making Insurance Decisions Simpler, Smarter, and More Personal
Finding the right insurance coverage does not have to be complicated. Whether you are looking for Medicare, health insurance, or life insurance, I’ll help you explore your options and find coverage that fits your needs and budget.
I represent top insurance carriers and can help you compare plans available in your area.
Insurance Solutions for Every Stage of Life
I work with leading insurance carriers to help individuals and families find the coverage that makes sense for their situation.
Medicare Insurance
Turning 65 or already enrolled in Medicare? We can help you understand your options and compare plans available in your area, including Medicare Advantage plans, Medicare Supplement plans, and ancillary products.
Health Insurance
Whether you need individual, family, or marketplace coverage, we will help you explore plans that align with your healthcare needs and budget, including ancillary coverage and employer group insurance options.
Life Insurance & Financial Solutions
Protect the people who matter most. We can help you find life insurance solutions that provide financial security for your loved ones, including term life insurance, permanent life such as IUL’s and Whole life, final expense coverage, and annuities.
Group Insurance
Support your team with confidence. I can help you build a group insurance plan that offers valuable employee benefits, including health, dental, vision, life, disability, and voluntary coverage.
Learn More About Your Coverage Options
About Me
Savva Zingas | Licensed Insurance Agent
Leading Insurance Services in Southlake, Texas
Savva Zingas | Licensed Insurance Agent
817-308-4445|szingas@empowerbrokerage.com
Leading Insurance Services in Southlake, Texas
Personalized coverage solutions for Medicare, Health, Life, Supplemental insurance, & Financial Solutions
Why Work With Me?
As an Independent broker, I make insurance simple and easy to understand. I take the time to learn your needs and help you compare plans from top carriers so you can feel confident in your choices. No pressure, just clear answers and a free coverage review tailored to you.
Plans, benefits, and availability vary by state and carrier
Fill out the form to request your free appointment or free coverage review.
About & Contact
CONVERAGE SOLUTIONS
Compare Benefits Across Every Type of Coverage
A breakdown of the key benefits of each type of coverage, who each plan is designed for, and answers to common questions to help you make informed decisions. Whether you are exploring Medicare, health insurance, or life insurance, you’ll find clear explanations to guide you toward the right fit for your needs and budget.
Medicare Insurance
What it covers
Hospital care (Part A)
Medical services like doctor visits (Part B)
Prescription drug coverage (Part D)
Medicare Advantage Plans (Part C) offering
Bundled coverage options
Benefits
Reduced healthcare costs
Access to a wide network of doctors and hospitals
Flexible plan options to fit different needs and budgets
Preventive care coverage for long-term health management
Who can enroll?
Seniors aged 65+
Individuals with qualifying disabilities
Those seeking supplemental coverage to Original Medicare
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. It includes hospital coverage (Part A), medical coverage (Part B), prescription drug coverage (Part D), and Medicare Advantage (Part C) plans.
Most individuals become eligible at age 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes your birthday month, and ends three months after. Missing this window may result in penalties or delayed coverage.
Medicare Advantage (Part C) bundles Medicare coverage into one plan and may offer extra benefits beyond Original Medicare coverage. Medicare Supplement (Medigap) helps pay out-of-pocket costs not covered by Original Medicare, such as deductibles and copays.
Original Medicare does not typically Include prescription drug coverage. Most beneficiaries enroll in a standalone Medicare Part D plan or choose a Medicare Advantage plan that includes drug coverage.
Many doctors accept Original Medicare. Medicare Advantage plans may use provider networks, so it is important to confirm your doctor is included in the plan you choose.
Missing your enrollment period may result in late penalties and delayed coverage. In some cases, you may qualify for a Special Enrollment Period depending on your situation.
Medicare Supplement (Medigap)
What it covers
Medicare Part A and Part B deductibles (depending on the plan)
Coinsurance and copayments not fully covered by Original Medicare
Hospital costs after Medicare benefits are exhausted
Skilled nursing facility coinsurance
Foreign travel emergency coverage (available on select plans)
Benefits
Helps reduce out-of-pocket Medicare expenses
Freedom to see any provider who accepts Medicare nationwide
Predictable healthcare costs and fewer surprise medical bills
No network restrictions or referral requirements
Guaranteed renewable coverage as long as premiums are paid
Who can enroll?
Individuals enrolled in both Medicare Part A and Part B
Medicare beneficiaries age 65 and older
Individuals under age 65 who qualify for Medicare due to disability (availability varies by state)
Those seeking supplemental coverage to Original Medicare
Individuals seeking greater protection from deductibles, copays, and coinsurance costs
Original Medicare (Parts A and B) typically pays about 80% of your medical costs. A Medigap policy is private insurance that “fills the gaps,” paying for your 20% coinsurance, copayments, and hospital deductibles.
Your primary window is the Medigap Open Enrollment Period. This is a one-time, 6-month window that begins the first day of the month you are 65 or older AND enrolled in Medicare Part B.
During these 6 months, you have a “guaranteed issue right.” This means insurance companies cannot use medical underwriting, cannot refuse to sell you a policy, and cannot charge you more for pre-existing conditions like diabetes or heart disease.
You can apply for a Supplement at any time of the year, but in most states, you will be subject to medical health questions (underwriting) and could be denied or charged more based on your health history.
Determining which Medicare Supplement (Medigap) plan is “best” depends on your preference for predictable monthly costs versus lower premiums with more out-of-pocket responsibility.
Because these plans are standardized by the federal government, the coverage for a specific letter (e.g., Plan G) is identical regardless of which insurance company you choose. The only differences are the monthly premium and the company’s reputation for customer service and rate stability
Plan G: The most popular. You pay the annual Part B deductible, then the plan covers 100% of all other Medicare-approved medical costs.
Plan N: Offers lower premiums. You pay the Part B deductible plus small copays (up to $20 for office visits; $50 for ER). It does not cover “Excess Charges.”
Plan F: The only plan that covers the Part B deductible. It is only available to those eligible for Medicare before January 1, 2020.
High-Deductible G & F: These offer the exact same coverage as their standard versions but only after you pay a higher annual deductible ($2,950). These have the lowest monthly premiums. Note: High-Deductible F is only available to those eligible for Medicare before 2020.
Plans K & L: “Cost-sharing” plans. They pay a percentage of your costs (50% or 75%) until you hit a yearly out-of-pocket maximum.
Rates increase due to medical inflation, the overall claims experience of the insurance company’s “pool” of members, and, in the case of Attained-Age plans, simply because you got a year older.
Yes. During your one-time 6-month Medigap Open Enrollment Period, you are guaranteed coverage regardless of health. If you apply after that window, you may have to pass “medical underwriting,” and the company can review your history (like Diabetes) to decide your rate or eligibility.
There is no annual window to switch Medigap plans the way there is with Medicare Advantage or Part D. In most cases, you won’t have a right under federal law to switch Medigap policies unless you’re within your 6-month Medigap Open Enrollment Period or you qualify for a specific guaranteed issue right. Some states have created extra protections, though. For example, several states have “birthday rules” that allow Medigap enrollees to switch to a plan with equal or lower benefits around their birthday each year, without answering health questions.
Health Insurance
What it covers
Doctor consultations and specialist visits
Emergency care and hospitalization
Prescription medications
Preventive care and wellness services
Diagnostic tests and lab work
Benefits
Protection from high medical costs
Access to preventive care and early treatment
Flexible individual and family plan options
Peace of mind during medical emergencies
Who can enroll?
Individuals without employer coverage
Self-employed professionals
Families seeking comprehensive protection
Limitations
Various deductibles and out-of-pocket costs
Copays and coinsurance may still apply after meeting the deductible
Emergency room, hospital, and specialist care can be costly
Limited out-of-network coverage on many plans
Adult dental and vision coverage are often not included
Prescription drug costs may vary based on coverage tiers
Does not replace lost income during illness or injury
Does not cover everyday household expenses such as rent, utilities, or groceries
Lower-premium plans often have higher cost-sharing when care is needed
May not cover the full financial impact of a serious illness or injury
Individuals under 65 may qualify for employer coverage, Marketplace (ACA) plans, private health insurance, or short-term health insurance depending on eligibility and income.
The Health Insurance Marketplace is the official system created under the Affordable Care Act (ACA) that allows individuals and families to compare, shop for, and enroll in health insurance coverage.
The Marketplace is commonly used by people who:
- Do not have employer-Sponsored coverage
- Are self-employed
- Are between jobs
- Need coverage for children or dependents
- Retire before becoming eligible for Medicare
Marketplace health insurance plans must cover:
- Pre-existing conditions
- Preventive care services
- Essential health benefits
- Prescription drugs
- Mental health services
- Maternity care
Insurance companies cannot deny coverage or charge more because of pre-existing health conditions.
Many individuals and families may also qualify for premium tax credits and subsidies that help lower monthly insurance costs.
Yes. If you did not enroll during the Open Enrollment Period (November 1st through December 15th), you must qualify for a Special Enrollment Period (SEP) to enroll outside of that window. Qualifying life events may include losing coverage, moving, marriage, or having a child.
HMO plans require you to stay within a provider network and typically require referrals. PPO plans offer more flexibility, including access to out-of-network providers at a higher cost.
A deductible is the amount you pay out-of-pocket before your insurance begins covering services. Plans with lower monthly premiums often have higher deductibles.
Ancillary Insurance
Types of coverage
Dental services, including preventive, basic, and major care
Vision care, including eye exams, glasses, and contact lenses
Accident-related injuries, emergency care, and recovery expenses
Critical illnesses such as cancer, heart attack, and stroke
Hospital admissions, inpatient stays, and related services
Benefits
Out-of-pocket expenses such as deductibles, copays, coinsurance, transportation, and lost wages, depending on the policy.
Provides additional financial protection when unexpected events occur
Complements your existing health insurance coverage
Fixed cash benefits for covered medical services
Allows you to customize coverage based on your individual needs and budget
Who can enroll?
Individuals ages 18 and older
Families seeking additional protection beyond their health plan
Self-employed individuals and business owners
Retirees and Medicare beneficiaries (depending on the product)
Anyone looking to supplement existing health coverage
Ancillary benefits are optional insurance products that provide additional protection beyond traditional health insurance.
Health insurance helps cover medical expenses, but ancillary products can help with deductibles, copays, lost income, and other costs not fully covered by your primary plan.
Yes. Many ancillary products can be purchased independently or bundled together depending on the carrier and plan availability.
Many ancillary plans, such as accident, critical illness, and hospital indemnity insurance, may provide cash benefits paid directly to the policyholder.
Some products may include waiting periods before certain benefits become available. This varies by carrier and plan.
Unlike major medical coverage, many ancillary products can be purchased year-round, subject to carrier eligibility requirements and underwriting guidelines.
Common ancillary benefits include dental, vision, accident, critical illness, hospital indemnity, disability, and life insurance coverage.
Group Insurance
What it covers
Medical insurance
Dental Insurance
Vision insurance
Life insurance and disability coverage
Voluntary ancillary benefits such as accident, critical illness, and hospital indemnity plans
Benefits
Attracting & Retaining Employees
Cost Savings – Group coverage is often more affordable than individual insurance due to lower rates from a larger risk pool.
Risk Management and Financial Protection
Business Growth & Competitive Advantage
Employer-sponsored coverage may help reduce premium costs
Convenient payroll deductions
Who can enroll?
Business Owners
Employees without other eligible coverage
Full-Time Employees
Part-time employees (ask me about ICHRA)
Eligible 1099 Contractors
Spouses + Domestic Partners
Dependent children + disabled dependents
Husband-and-Wife Groups
Owner-only Groups
Employees enrolling during initial eligibility, open enrollment, or after a qualifying life event
Group insurance is employer-sponsored coverage that helps businesses provide valuable health and financial protection benefits to employees and their families.
Yes. Many group insurance solutions are designed specifically for small businesses and can be customized based on the size of your workforce and budget.
Offering group insurance can help attract and retain quality employees, improve job satisfaction, support employee well-being, and enhance your overall benefits package.
Employers can offer a variety of benefits, including medical, dental, vision, life insurance, disability insurance, and voluntary ancillary products such as accident, critical illness, and hospital indemnity coverage.
Costs vary based on factors such as company size, employee demographics, selected coverage, and employer contribution levels. Plans can often be tailored to fit your budget.
No. Employers can choose how much they contribute toward employee premiums, while employees may pay a portion through payroll deductions.
Most group insurance plans allow employees to enroll eligible spouses and dependent children, depending on the plan design.
In many cases, yes. Group insurance options are available for both small and large businesses, and eligibility requirements vary by carrier and state.
Voluntary benefits are optional insurance products employees can elect, often at little or no additional cost to the employer. Examples include dental, vision, accident, critical illness, and life insurance coverage.
Life Insurance
ensuring they are protected from financial hardship.
Beyond basic protection, life insurance also plays an important role in estate planning,
helping individuals efficiently transfer wealth to beneficiaries while minimizing financial
complications. Certain policies can also provide the ability to build tax-advantaged or tax-free retirement income, depending on how they are structured.
What it covers
Death benefit payout to beneficiaries
Income replacement for dependents
Funeral and end-of-life expenses
Debt and mortgage protection
Diagnostic tests and lab work
Benefits
Financial protection for your family
Estate planning advantages
Potential tax-free retirement income strategies
Ability to build generational wealth affordably
Peace of mind knowing loved ones are secure
Options for term or permanent coverage
Who can enroll?
Parents and family providers
Homeowners with financial obligations
Individuals focused on legacy and wealth planning
Anyone seeking long-term financial protection
Life insurance provides financial protection for your loved ones and can play an important role in a broader financial strategy.
It can help:
- Replace lost income for dependents
- Pay off a mortgage or outstanding debts
- Fund future education expenses
- Cover funeral and final expenses
- Support estate planning goals
- Create tax-advantaged retirement income strategies
- Protect key employees and business interests
- Leave a financial legacy for future generations
The right life insurance strategy can provide both protection and long-term financial benefits.
Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. It is often the most affordable option and is designed to provide protection during key financial years. Term Life Insurance is like renting, while Permanent Life Insurance is like owning. Permanent policies can build cash value over time, just as homeowners build equity.
Permanent life insurance provides lifelong coverage and may include cash value accumulation that can grow over time.
Permanent insurance options may include:
- Whole Life Insurance
- Universal Life Insurance
- Indexed Universal Life Insurance (IUL)
Indexed Universal Life Insurance (IUL) is a type of permanent life insurance that provides lifelong coverage while offering the potential to accumulate cash value based on the performance of a market index, such as the S&P 500.
Unlike direct stock market investments, IUL policies are designed with downside protection features that can help protect accumulated cash value from market losses, subject to policy terms and carrier guidelines.
Many individuals use IUL policies for:
- Permanent life insurance protection
- Supplemental retirement income planning
- Tax-advantaged cash value accumulation
- Estate planning strategies
- Wealth transfer planning
Best For:
- Individuals seeking lifelong coverage
- Business owners and professionals
- Retirement income planning
- Estate planning objectives
- College Funding Planning
- Individuals looking for flexible permanent life insurance solutions
The right amount depends on your income, debts, family needs, and long-term financial goals. A personalized review can help determine the appropriate coverage amount. Use this calculator to estimate how much you will need.
Yes. Many carriers offer coverage options for individuals with pre-existing conditions, though rates and eligibility may vary.
Final expense insurance is a type of life insurance designed to cover funeral costs, medical bills, and other end-of-life expenses.
Annuities
In addition to income protection and retirement income planning, annuities also include advanced growth strategies through Fixed Indexed Annuities (FIAs). A Fixed Index Annuity (FIA) is a type of annuity that gives you the opportunity to grow your
money based on a market index, like the S&P 500 — but without risking your principal if the market goes down.
- If the market goes down, you do not lose your money due to market losses
- If the market goes up, you earn a portion of the gains
This makes FIAs ideal for individuals who want growth potential with protection, along with the ability to create a reliable retirement income stream.
What it covers
Guaranteed income for a set period or lifetime
Tax-deferred growth potential
Flexible payout options (monthly, annual, lump sum)
Fixed, variable, and fixed indexed investment structures
Benefits
Reliable retirement income
Protection against outliving savings
Market growth potential with downside protection (FIAs)
Tax advantages depending on structure
Customizable payout options
Who can enroll?
Retirees or near-retirement individuals
Those seeking stable long-term income
Investors looking for protected growth strategies
Individuals planning retirement income security
An annuity is a financial product that can provide guaranteed income during retirement, helping protect against the risk of outliving your savings.
You contribute funds either as a lump sum or over time. In return the insurance company provides scheduled income payments based on the contract terms. Many people who have been active in the workforce already have the money saved in a 401K or an Individual Retirement Account. That money can be put in an annuity without incurring tax liability.
Many modern annuities are designed to do more than provide retirement income. Depending on the type of annuity selected, they may also offer:
- Principal protection in many contracts, meaning your accumulated value is protected from market losses
- Tax-deferred growth opportunities
- Interest credited based on the performance of a market index such as the S&P 500
- Optional lifetime income that can provide income you cannot outlive
- Protection from market volatility while maintaining growth potential
For many retirees, annuities can serve as a combination of growth, protection, and income planning within a retirement strategy.
Common types include fixed annuities, fixed indexed annuities, variable annuities, immediate annuities, and deferred annuities.
Guaranteed (Fixed) Annuity
Offers a guaranteed interest rate and predictable growth. It is designed for individuals seeking stability, principal protection, and steady retirement income.
Indexed Annuity
Growth is tied to a market index, such as the S&P 500. It provides the potential for higher returns than a fixed annuity while protecting against direct market losses.
Variable Annuity
Allows funds to be invested in market-based investment options. It offers the greatest growth potential but also carries the highest level of market risk, meaning account values can increase or decrease.
| Type | Risk Level | Growth Potential | Principal Protection |
|---|---|---|---|
| Guaranteed (Fixed) | Low | Moderate | Yes |
| Indexed | Low to Moderate | Moderate to High | Yes |
| Variable | High | High | No |
Annuities are backed by the issuing insurance company’s financial strength. Choosing a reputable carrier is an important part of the decision process.
Yes. Many retirees use annuities to create a stable, predictable income stream alongside Social Security and other retirement savings.
It depends on your retirement goals, risk tolerance, and income needs. A personalized retirement analysis can help determine if an annuity is right for you.
Long Term Care Insurance
What it covers
Nursing home care
Assisted living facilities
In-home care services
Adult daycare services
Rehabilitation services
Benefits
Protection of retirement savings
Access to quality long-term care options
Reduced financial burden on families
Flexibility in care settings
Who can enroll?
Aging individuals planning for future care needs
Families wanting to avoid caregiving financial strain
Anyone planning long-term healthcare security
Real People. Real Coverage. Real Peace of Mind.
From first-time enrollees to long-term members, here’s what the people I serve have to say.
Our experience with Savaa was excellent. He was incredible informative and patient with us, explaining all the options available, specifically taking into consideration my husband’s medical condition. Throughout the process, he was responsive, respectful and very honest. We felt very comfortable and confident trusting him to help us in choosing the best Medicare plan for my husband.
Savva is amazing! He is very attentive, patient and well informed. He helped me switch my health insurance plan to one that fit my needs the most. I had a great experience with Savva. He follows through!!
Savva Zingas is truly exceptional at what he does. He’s not only highly professional and knowledgeable, but also incredibly personable and responsive. He made the entire process of signing up for health and dental insurance seamless and stress-free. I genuinely appreciate how efficient and clear everything was from start to finish. Savva sets the standard for what excellent service should be, and I can’t recommend him highly enough!
Mr. Zingas helped me choose the Medicare plan that best fit my needs. He answered all my questions with so much knowledge of each plan that there was no question in my mind regarding the choice I made. I would highly recommend him to my family and friends.
I live in the Richarsson area, Savva came all the way from Southlake one evening, and gave my wife and I, a comprehensive explanation of our options about Medicare. We were able to make educated decisions afterwards.
Savva was amazing in his explanation of all of the different health insurance coverages. He is very knowledgeable and broke down every thing in understandable terms.We will definitely use him for all of our insurance needs for the future.
Please call Savva, he has been an excellent insurance resource for me and my family. From facilitating insurance from the marketplace to Medicare resources for my parents, Savva has helped us get the best coverage.
I have used his services for my Medicare enrollment for the past two years and have been extremely pleased with his care to details. He is professional and quite knowledgeable in all the available Medicare changes. I highly recommend him.
Savva came to our home plugged in our information and made selecting an option easy. While he did that he was teaching us the ins and outs of the complicated insurance laws and landscape. He was/is easy to reach by phone and had quick appointment availability.
Empower Brokerage represents Medicare Advantage HMO, PPO, and PFFS organizations and stand-alone PDP prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal.
We do not offer every plan available in your area. Currently, we represent 79 organizations which offer 1,739 products in your area. Please contact Medicare.gov, 1–800–MEDICARE, to get information on all of your options.
