Texas Health Insurance
Texas Health, Life, and Supplemental Insurance
Why do you need Texas health insurance?
Today, Texas health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy Texas health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With Texas health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can’t predict what your medical bills will be. In a good year, your costs may be low. But, if you become ill, your bills could be very high. If you have Texas health insurance, many of your costs are covered by a third-party payer, not by you.
As medical care advances and treatments increase, Texas health care costs also increase. The purpose of Texas health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. In addition, you are more likely to get routine and preventive care if you have Texas health insurance.
You need Texas health insurance because you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have Texas health insurance, you will have peace of mind in knowing that you are protected from most of these costs. You should not wait until you or a family member becomes seriously ill to try to purchase Texas health insurance.
We also know that there is a link between having Texas health insurance and getting better health care. Research shows that people with health insurance are more likely to have a regular doctor and to get care when they need it.
How do you get Texas health insurance?
Most people get Texas health insurance through their employers or organizations to which they belong. This is called group insurance. Some people do not have access to group insurance. They may choose to purchase their own Texas health insurance directly from an independent insurance broker. Many Americans get health insurance through government programs that operate at the national, state, and local levels. Examples include Medicare, Medicaid, and programs run by the Department of Veterans Affairs and Department of Defense.
Click here for free comparison of Texas health insurance plans.
Texas Health Insurance Quotes
Individual Texas Health Insurance
If you are self-employed or your employer does not offer Texas health insurance, you may not have access to group insurance. You may, however, be able to purchase individual coverage directly from a Texas insurance company. When you buy your own Texas health insurance, you will be responsible for paying the entire premium rather than sharing the cost with an employer. You should shop around to find a plan that fits your needs at a price that you are willing to pay.
Many self-employed workers are able to deduct their Texas health insurance premiums from their Federal taxable income, providing them with an important tax saving. If you are self-employed and buy individual Texas health insurance, you should consult a tax adviser to find out if you are eligible for this deduction.
Texas insurance plans differ greatly from one company to another and, within a Texas insurance company, from one plan or product to another. Some plans have multiple products (options) from which you can choose; read carefully through the “fine print” to be sure you understand the various choices.
Types of Texas Health Insurance
Which type is right for you?
Whether you are eligible for group insurance or choosing an individual Texas health insurance plan, you should carefully compare costs and coverage. Be sure to compare:
- Access to doctors, hospitals, and other providers.
- Access to after hours and emergency care.
- Out-of-pocket costs (coinsurance, copays, and deductibles).
- Exclusions and limitations.
- Make sure you understand how your plan works. Don’t wait until you need emergency care to ask questions.
The major difference between indemnity (non-network based coverage) and managed care plans (network-based coverage) concerns choice of doctors, hospitals, and other providers; out-of-pocket costs for covered services; and how bills are paid.
Be sure to check on the physicians and hospitals that are included in the Texas health insurance plan.
Texas Health Savings Accounts
A Texas health savings account is a type of medical savings account that allows you to save money to pay for current and future medical expenses on a tax-free basis. In order to be eligible for a health savings account, you must be covered by a high-deductible plan, not have any other health insurance (including Medicare), and not be claimed as a dependent on someone else’s tax return.
You can use this account to pay for your qualified health expenses, including expenses that the plan ordinarily doesn’t cover, such as eyeglasses and hearing aids. Expenses paid out of the HSA that are eligible expenses under your high-deductible health plan will count toward the plan’s deductible.
During the year, you can make voluntary contributions to your Texas health savings account using before-tax dollars. In some cases, employers may set up and help fund health savings accounts for their employees. A Texas health insurance savings account earns interest. If you have a balance in your health savings account at the end of the year, it will “roll over,” allowing you to build up a cushion against future health expenses. A health savings account allows you to accumulate funds and retain them when you change plans or retire.
Texas Supplemental Insurance
Different types of Texas accident insurance coverage are available to you that pay benefits when specific types of events occur, such as hospitalization or critical illness. This coverage usually will pay a cash benefit that can be used to cover additional expenses that you incur due to the event. This type of Texas health insurance coverage is available from your independent Texas insurance broker.
Having Texas health insurance helps to protect us from high health care costs that most people could not meet in any other way. It helps us pay for health care and it ensures that we have access to care when we need it. Research has shown that having Texas health insurance is closely tied to the quality and timeliness of care. Click the link below for your free health insurance quotes in Texas.
Affordable Texas Health Insurance
Click here for Texas health insurance quotes.
We serve all of Texas! Here are just a few of the major Texas cities we work with:
Austin San Antonio Houston Round Rock Dallas Fort Worth El Paso Arlington Corpus Christi Plano Laredo Lubbock Garland Irving Amarillo Grand Prairie Brownsville Pasadena Humble Mesquite McKinney McAllen Killeen Waco Carrollton Beaumont Abilene Frisco Denton Midland Wichita Falls Odessa Richardson Tyler Lewisville College Station The Woodlands San Angelo Pearland Allen League City Longview Sugar Land Edinburg Mission Bryan Baytown Pharr Missouri City Temple Atascocita Harlingen Flower Mound North Richland Hills Victoria New Braunfels Mansfield Conroe Rowlett Spring Port Arthur Euless DeSoto Cedar Park Galveston Georgetown Bedford Pflugerville Grapevine Texas City Cedar Hill San Marcos