Texas Health Insurance Information for Individuals

Health Insurance Product Information

Health Insurance - Provides insurance that helps with Hospital and Doctor bills when services are covered by the health plan. Not all health insurance is created equally. Some is designed for individuals to have full health coverage, other plans are designed strictly to cover catastrophic events. There are also selected plans that provide coverage for students or those with a need for short term medical coverage while between jobs or during early retirement.

Today there are many carriers that serve different markets. Some server primarily individual policy holders, others focus on small and medium sized business, while others tend to work with a group of very large employers that need national network access. Some companies handle a good mix of the above markets as well.

Today there are a variety of managed care plans, and some carriers offer traditional indemnity coverage. Understanding the differences between the various plans allows us to help guide individuals and companies find the best fit of insurance to cover their needs. Today there are near infinite possible combinations of plan platforms, networks, deductibles, co-insurance levels, and maximum out of pocket limits. There are also several different drug plans available with most medical plans.

In recent years there has been a trend towards more consumer driven plans. These plans require more up front costs by the user of services, typically with the idea that over time the consumer will become more judicious in when and how they choose to secure care. Also, depending upon plan design these new plans can actually be easier to understand the ultimate maximum cost to the enrollee, especially where after the deductible all medical costs are covered by the plan.

With individual plans there are a host of different factors that are considered when choosing the most appropriate carrier. Current health, type of plan desired, if the coverage is short term, student, or full medical coverage are other factors. During a consultation we will work with you to evaluate all of the above factors to hep find the a good match between plan and what is desired.

Call us to discuss how we can help your company maximize benefits while controlling costs.

As an individual you can call us to discuss the best plan for your needs or you may create your own quote by clicking here.