About BenefitsDallas Agency

About Us

Why People Choose BenefitsDallas Agency

The old adage “the only constant is change” proves even more true when it comes to the health-care industry, where plans, coverage and even laws seem to change almost on a daily basis.

The other constant? BenefitsDallas, which stays updated and informed on any and all changes and legislation, and is here to help when it comes to navigating the confusing worlds of group, senior and individual health insurance, as well as life insurance and disability plans.

With more than 60 years of combined experience, BenefitsDallas stands behind its reputation as an industry leader when it comes to combining the best value with a highly-personalized approach to customer service. Our team has created a culture that measures each client experience solely by that standard.

Our Purpose:

BenefitsDallas untangles the knot of confusion that seems to encompass individual, group and senior insurance.

Contact Us to Learn How

The BenefitsDallas Difference

With every client we evaluate their individual needs. Then we present plans and products to best meet those objectives. We provide HR information, Benefit Administration and Web Based Technology without sacrificing Personalized Service.


BenefitsDallas takes the often overcomplicated nature of insurance and simplifies it.


BenefitsDallas provides a personal touch that you won't get at a big agency.


BenefitsDallas provides reliable products and service.

With over 60 years of combined experience we have built a reputation of providing the best value to our clients though our direct approach and highly personalized service.

Meet the BenefitsDallas Team

President | SGS, PAPPCA, LPRT

JoAnn Charron

Read JoAnn's Full Bio

JoAnn Charron has served the DFW area for more than a quarter of a century, with an initial focus on group, senior and individual benefits to offer the most competitive plans in health, life and business-specific policies.

An active member of the National Association of Health Underwriters, the Dallas Association of Health Underwriters and the Texas Association of Health Underwriters, JoAnn is also a member of the distinguished Leading Producers Round Table. She also continues to lobby in Washington, DC and in Austin on national and state health-related issues. She is certified with the Patient Protection and Affordable Care Act, Long Term Care and Small Group Designation.

Already a widely-respected leader in her industry, JoAnn teamed up with Rick Horch in 2004 – a merger that resulted in an expansion of the practice into the senior market with an emphasis on long-term care. It also gave Benefits Dallas even more knowledge and experience when it comes to dealing with the complicated maze that is Medicare.
JoAnn’s primary goal is to continue to meet her clients’ needs as they move through changes in their lives.

Administrative Assistant

Magda Ortiz

Read Magda's Full Bio

In addition to 15 years of administrative experience, Magda Ortiz brings a relentless pursuit to problem solving and an award winning smile to the Benefits Dallas Family. She will take care of clients with a great service and make them a priority. Magda Graduated from University of Puerto Rico no TAMU and is also the Owner and CEO of Magdi Cookies!
Vice President | Life and Annuities

Rick Horch

Read Rick's Full Bio

With more than 30 years of experience in the health, life and annuity insurance industry, Rick Horch has broadened his scope of service to proven expertise for all of his clients – no matter their age bracket.

Originally a senior-market specialist, Rick understands the everchanging landscape of Medicare, which allows him to offer the most competitive Medicare supplements, Advantage plans and Part D prescription plans. He also serves his retirement-age clients with options for long-term care, senior life and annuities.

Those younger than 65 can also benefit from Rick’s vast experience. He regularly reviews health and life insurance companies to find the best individual fit, and also offers faith-based health plans (such as Medi-Share) as well numerous options for short-term medical, dental, disability income and critical illness care. And of course, he’s an effective advisor on the best fit for a savings program.

Rick is also the perfect guide for anyone considering investing in an annuity – which can provide a steady stream of income that will last through retirement, while also providing for loved ones and helping with ever-rising long-term care costs.

Account Manager/ Licensed Agent

Christal Foster

Read Christal's Full Bio

Christal Foster has a smile and positive attitude that is only matched by her hard work and dedication to our group clients. A licensed agent with a background in human resources, she understands her clients' needs to find exactly the health care plan that works for each employee individually.

After going through our process, our clients can be confident that there is no better solution in the industry for their needs.

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