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Monday, October 26 2009
If you are living in Texas and are in the market for new health insurance, the odds are that you are very busy accumulating Texas health insurance quotes. There are many companies that service the Lone Star state all claiming to have the best plans offered. Unfortunately, unless you are an insurance expert, determining which plan is the best for you can be extremely confusing. Health insurance is a very serious and important decision, and not one which should be entered into lightly. It is a very wise idea to enlist the assistance of a professional, such as an insurance broker, as you wade through your options.
There are a number of companies that are eager to provide you with Texas health insurance quotes. The problem is that health insurance is one area where cost isn't everything. There are some plans that cost more every month, but offer better coverage for day to day, routine healthcare concerns, such as check-ups and dr. visits. These plans may not have the best coverage for major events though, like hospital stays and surgeries. There are other plans that offer lower monthly premiums, that cover emergency room visits, x-rays and surgeries, but require a large out of pocket expense before they cover any doctor appointment. Consulting an insurance broker can help you make sense of these quotes.
An insurance broker differs from an insurance agency in that they so not represent any one insurance company, they represent you! It is there job to get you the best Texas health insurance quotes for your specific needs. They may determine that you need an HMO or a PPO but not a Health Savings Account. Or they may find that you would be best off taking short term coverage and then going through your employer's coverage. At the end of the day, their main concern is getting you into the right plan for you, not the plan that will make the most money for the insurance company.
Tuesday, October 20 2009
To some, the idea of getting affordable health insurance may seem like a pipe dream. Our country is in the midst of a major healthcare crisis. People who desperately and genuinely need coverage are not able to afford it. Some are settling for plans that cover nothing but major complications and then cannot afford the type of routine care that will keep them from having major complications. States across the nation, including Texas are seeing more and more people simply going without because they cannot afford to do anything else, or at least they believe that they cannot get affordable health insurance. Texas does have some good coverage options available, if you just know where and how to look.
Affordable health insurance Texas comes in the form of several different coverage options. If you have always been covered by your employer or by a parent, and are now in a period between jobs, waiting for new coverage to kick in, you have the choice of either utilizing COBRA coverage, which allows you to pay the full premium, shopping for more affordable short term coverage or risking going without any health coverage for the weeks or months that you are not covered. For many, this is not an acceptable risk. Although the cost savings of not paying any premiums for a few months may seem to outweigh the danger of not having coverage, that savings can easily be offset by a single illness or accident.
Another form for affordable health insurance Texas is known as an HSA or health savings account. An HSA is often taken as supplemental coverage, in addition to a traditional health insurance plan. An HSA plan allows you to save money that will be used solely for the purpose of covering health care expenses in the event that you need them. This can be an exceptionally useful plan if you know that you have some major medical expenses coming up, such as the birth of a child, fertility treatments or some other major surgery. Even if you do not have anything major coming up, it is good to know that you have the money there to pay for prescriptions and co-pays if you need it.
There are also a number of more conventional options for affordable health insurance Texas available. PPOs and HMOs can be purchased, which operate similarly to the plans that are typically offered by employers. For more information about the different health insurance options available in Texas, call us today, and speak with one of our insurance brokers about the different plans offered in the Lone Star state.
Monday, October 12 2009
The health of your family is more important than any other single thing in your world. Protecting their starts with making sure that they eat well and are kept safe but also requires having adequate coverage to ensure that they can get access to the healthcare that they need if they ever become ill or injured. Texas family health insurance is one of the most important things that you will ever buy for your family, and should not be taken lightly. It is important that you know all of the facts and figures before making a decision on what plan is the best for your family. Understanding things like monthly premiums, out of pocket expenses, co-pays, provider networks and referrals can be extremely difficult, which is why it is always a good idea to enlist the services of an insurance broker.
Unlike an insurance agent, whose primary job is to sell you on the largest, most expensive policy possible with their specific insurance company, and insurance broker works for you. Their job is to help you shop around and choose the best Texas family health insurance for your family, not the one that is best for their insurance company. They have the expertise and experience to be able to translate monthly premiums and routine care co-pays into coverage that your family can count on. They are well versed in the jargon and know how each company does their underwriting. At the end of the day, they are less concerned about who you buy your insurance through than they are about the fact that you leave their office with good, solid, adequate coverage for your family.
An insurance broker's job doesn't end when they have sold you on a particular Texas family health insurance plan though. Your insurance broker can help you through the claims process, should you ever need to file a claim and can help you understand what is actually happening at every step of the way. Your broker is an advocate that can help you make sure that your insurance is working for you!
Friday, October 09 2009
As a parent, living in Texas, you want the very best for your children. You will move to a new neighborhood to make sure that they go to the best schools. You will buy organic and healthy foods to make sure that they have the best diet, and you will search high and low to find them the best doctor. Why should their health insurance coverage be any different? One of the most important things that you can provide is Texas health insurance for children. Having health coverage for your child means that you never have to question whether or not it is worth it to take your child to the doctor, when they are running a fever in the middle of the night. If you have the coverage, you just take them, and make sure that they are OK.
Many people have concerns about the cost of Texas health insurance for children. The truth is that not having proper health insurance can cost you more in the long run than any monthly premiums could ever add up to. People that don't have coverage for their children are faced with much higher per visit costs for their children's healthcare and sometimes are forced to forego routine appointments because of this cost. Purchasing an HMO or PPO policy that provides for your child to see the doctor regularly is one of the best investments that you can make.
There are many different options available in Texas health insurance for children. Along with HMO and PPO policies, there are health savings account plans, dental plans and vision plans that you can purchase to help safeguard every aspect of your child's health. If trying to choose a good policy has you stumped, you may want to consult an insurance broker, who can help translate a lot of the jargon and insurance terms into plain English. Understanding the options that you have will leave you empowered to make the best decision.