Business Details
43 Years
experience
Your Trusted Health Insurance Partner in Texas
Since 1983, Lay and Williams Insurance Services has been dedicated to providing tailored health insurance solutions for individuals, families, and businesses across Texas. Our team of experienced professionals specializes in navigating the complexities of employee benefits, individual insurance, and Medicare plans, ensuring clients receive cost-effective, waste-free healthcare options. With decades of combined expertise and active involvement in national and state insurance associations, we prioritize ongoing education to stay ahead of legislative changes and evolving benefit delivery systems. Our client-centric approach focuses on personalized consultations, transparent communication, and 24/7 support to help clients make informed decisions.Recognized for excellence through industry awards and affiliations, we combine deep market knowledge with a commitment to community service. Our leadership, including Robert M. Lay and Ashley Myles, brings multigenerational expertise and a proven track record of delivering customized insurance solutions. By maintaining active roles in professional organizations and emphasizing ethical practices, we ensure clients receive reliable, up-to-date guidance. Our testimonials reflect consistent client satisfaction, with businesses and individuals praising our ability to simplify complex insurance landscapes while prioritizing their unique needs.
Services
Individual Health Insurance
Group Health Plans
Medicare Supplements
Medicare Advantage Plans
Travel Insurance
Dental Insurance
Details
- Year established: 1983
Highlights and features
- Over 40 years of experience in employee benefits and health insurance
- Specialists in Medicare Supplements, Advantage Plans, and Group Health
- 24/7 premium support for client needs
- Tailored healthcare options to control costs and administrative tasks
- Active members of National Association of Benefit and Insurance Professionals
What people say
Expertise in health insurance
Personalized service
Decades of experience
Reliable and trustworthy
Tailored solutions
Services
Individual Health Insurance
We provide customized individual health insurance plans tailored to personal needs and budgets. Our specialists help navigate options during open enrollment or qualifying life events. With expertise in marketplace quotes and premium assistance, we ensure clients find affordable, comprehensive coverage that adapts to changing circumstances while complying with current regulations.
Group Health Plans
Our group health insurance solutions help employers offer competitive benefits while controlling costs. We specialize in plans for small to mid-sized businesses, focusing on waste-free healthcare options that meet employee needs. Our team assists with annual renewals, compliance requirements, and finding cost-effective solutions that maintain quality coverage for workforces.
Medicare Supplements
We guide active adults through Medicare plan selections, offering supplemental coverage options that fill gaps in original Medicare. Our specialists explain Part A, B, and D coordination while helping clients choose appropriate Medigap policies. With ongoing legislative updates, we provide current information to ensure optimal coverage decisions for changing healthcare needs.
Medicare Advantage Plans
Our team explains Medicare Advantage alternatives that combine medical and prescription coverage with additional benefits. We help clients evaluate HMO, PPO, and specialized plans against their healthcare patterns. By analyzing network providers, prescription costs, and out-of-pocket expenses, we identify plans offering maximum value while simplifying enrollment processes.
Travel Insurance
We offer comprehensive travel insurance solutions for individuals and families traveling abroad. Our plans cover medical emergencies, trip interruptions, and unexpected delays across various destinations. With options for short-term travelers and frequent international visitors, we help clients select appropriate coverage levels that protect against unforeseen medical expenses while maintaining flexibility for changing travel plans.
People
Robert M. Lay
Founder
With over 40 years in employee benefits, Robert Lay specializes in Texas small business insurance solutions. A Columbia MBA graduate, he maintains active roles in multiple national insurance associations and has received numerous industry awards for his contributions to health underwriting and professional development.
Ashley Myles
Partner
Ashley Myles brings hands-on experience in individual insurance solutions, following her father's legacy. Licensed since 2017, she combines personal insurance purchasing insights with community involvement, serving on multiple school committees while maintaining active participation in local business networking groups.
Questions
What health insurance options exist outside open enrollment?
Qualifying life events like marriage, childbirth, or relocation allow special enrollment periods. We help determine eligibility for these exceptions and guide clients through the application process for both marketplace and private plans.
How do Medicare Supplement and Advantage Plans differ?
Medicare Supplements cover gaps in original Medicare, while Advantage Plans replace it with bundled coverage. We explain cost structures, network limitations, and prescription coverage differences to help clients choose based on their healthcare usage patterns.
What group health plans do you offer for small businesses?
We provide tailored group plans for businesses with 2-50 employees, focusing on cost control and employee satisfaction. Our solutions include HSAs and traditional plans, with assistance in meeting regulatory requirements and annual renewals.
How do you help with international travel insurance?
We offer comprehensive travel insurance covering medical emergencies, trip cancellations, and prescription needs abroad. Our specialists explain coverage options for different destinations and help select appropriate plans based on travel frequency and health requirements.
What makes Lay and Williams different from other agencies?
Our multigenerational expertise combines 40+ years of industry experience with modern insurance solutions. We offer personalized service through dedicated agents, maintain active roles in professional associations, and focus on long-term client relationships rather than transactional interactions.
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