Hertel Insurors Group, L.L.P.

“Reducing your total cost of risk”


Texas Ag Coop Trust

Texas Ag Coop Trust (TACT) and Hertel Insurors Group — a partnership serving agriculture, a partnership serving you.

Hertel Insurors Group has always been dedicated to servicing the agriculture industry. To that end we are now joining with TEXAS AG COOP TRUST as the dedicated broker/agent making available, a quality health insurance plan designed for the ag industry.

Who is TACT?

Texas Ag Coop Trust aids in providing group benefits to members in the agricultural industry. Texas Ag Coop Trust provides quality life and health benefit plans and works to hold down future rate increases for participants. With TACT, you don’t rent your insurance plan, you own it.

TACT is a not-for-profit self-insured health benefits program that is owned and controlled by TACT member/owners. A seven member Board of Trustees, all TACT participants, govern TACT plans. TACT plans are designed for and are only available to TACT member/owners. The TACT staff works for you to resolve plan issues, not an out of state insurance company service center. With these advantages over traditional insurance plans, TACT truly is revolutionary in providing benefits.

Texas Ag Coop Trust strives to deliver value that comes through representing the interests of its members while continuously offering services that help you with your bottom line. This is your business. Your success is our business. TACT - Dedicated Insurance Professionals You Know and Trust… like Family.

What Does TACT Do For Me?

At Texas Ag Coop Trust, we are always looking for ways to reduce cost and improve benefits for our members. In today’s uncertain financial environment, combined with the ever increasing cost of health care and health insurance, it is more crucial than ever that we are committed to providing our members with the benefits and coverages they need and generate additional revenues to TACT to offset these cost increases.

We are the answer to your needs. We are able to provide insurance products for your Directors, Officers and Managers liability, bonds, life, health, dental and ancillary products. If you want to reduce your total insurance costs and work with dedicated insurance professionals you know and trust…

More Than A Health Plan

When was the last time you believed a health insurance company was more concerned about you and your employees than with its profits? When you become a member of Texas Ag Coop Trust, you and your employees become a part of a health plan that is run by, run for and run in consideration of the needs of its participant-owners.

What does that mean for you?

You Get More!

  • TACT is a multiple employer welfare arrangement (MEWA); a not-for-profit health plan that is owned and controlled by its participant-owners.
  • TACT plan options are developed by and for TACT member-owners and are only available for TACT member-owners.
  • Governed by a seven member Board of Trustees to represent all TACT members, manage their interests and be fiscally responsible for rates and benefit plan options.
  • A health plan that is concerned about your employees, your business and your needs.
  • A staff that works for you to resolve plan issues - not an out-of-state insurance company service center.
  • At TACT, you don’t rent your health plan, you own it!
  • Prescription Drug Card/Benefits
  • Mail Order Pharmacy
  • Vision Benefits
  • Diabetes Testing Supplies
  • Disease Management
  • Optional TACT Dental Plan
  • Program Better Employee Health
  • Life and AD&D
  • Medical

Diabetes Testing Supplies

The TACT Diabetic Program is offered as part of the prescription drug program, offering tremendous savings on products and services. TACT participants with diabetes can get discounts on their supplies as well as a FREE TRUEtrack Glucose Monitor, thanks to a partnership with DrugSource. With TACT, take a step toward better and affordable diabetes care.

Vision Benefits

TACT has partnered with Ameritas VSP to offer all TACT members a vision benefits program. Ameritas provides group vision care benefit plans through a nationwide network of private practice and retail optical providers.

Dental Benefits

  • Direct Reimbursement Dental Care Benefits
  • Allows you to use the dentist of your choice and to obtain service.
  • Has no waiting periods before certain procedures are covered.
  • Has no excluded procedures except cosmetic procedures as required by IRC 213.
  • Has no requirement for pre-approval
  • Has no maximum fee schedule for each procedure. The dentist’s normal fees are allowable expenses.
  • Allows for orthodontic care to be covered

Texas Ag Coop Trust for YOUR healthcare needs.

Texas Ag Coop Trust (TACT) aids in providing group life and health benefits to members in the agricultural industry. Designed and managed by employers in the Agricultural Industry, it responds to the needs and interests specific to these employers and their employees. As employers in the Ag Industry well know, banding together gives greater presence and more purchasing power than an individual group on its own.

Texas Ag Coop Trust — now serving ALL of Texas Agriculture and now brokered exclusively in Texas by Hertel Insurors Group. A partnership serving agriculture, a partnership serving you.