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Posts Tagged ‘Texas health insurance carriers’

Stalled Negotiations Hinder Texas Health Insurance Network

Friday, November 19th, 2010

blue cross blue shield texas health insuranceOpen enrollment for 2011 is in full swing, and the largest provider of Texas health insurance in the state is still in contract negotiations with Texas Health Resources, the operator of Harris Methodist, Arlington Memorial and Presbyterian hospitals.

Blue Cross Blue Shield insures more than 25 percent of insured Texans, and if the company doesn’t reach an agreement with Texas Health Resources for 2011, then in six weeks 24 hospitals and 18 outpatient facilities will be considered out-of-network for consumers covered by Blue Cross Blue Shield of Texas.

The Fort Worth Star-Telegram reports that the holdup in negotiations is largely due to reimbursements that BCBS would owe Texas Health Resources’ facilities. According to Wendell Watson, a spokesperson for Texas Health Resources, the company is seeking a modest, single digit increase that is below the rate of medical inflation.”

Blue Cross Blue Shield spokeswoman Margaret Jarvis maintains that BCBS has made “every reasonable attempt to reach an agreement that will provide a balance of affordable healthcare options on behalf of our clients.” She notes that the company will continue to speak with Texas Health Resources in hopes of coming to an agreement, and said that their “biggest challenge is managing the rising cost of medical services today…which translates directly into higher health insurance costs.”

Consumers should note that as of now, nothing has changed. But come January 1, 2011, if an agreement isn’t reached, BCBS customers will see their in-network health care options become noticeably limited.

Humana Texas Health Insurance Ranks Highest for Member Satisfaction

Monday, April 5th, 2010

texas health insuranceFor the third straight year, Texas health insurance company, Humana Health Plan of Texas, received the J.D. Power and Associates award for member satisfaction by ranking highest in a statewide study of people’s satisfaction with their Texas health insurance plans.

The study evaluated consumer satisfaction with their insurers based on the following criteria:

-Coverage and benefits
-Choice of doctors, hospitals and pharmacies
-Information and communication from the health plan
-Approval process
-Claims processing
-Insurance statements
-Customer service

The national study measured satisfaction among consumers who purchased health coverage individually or through employers from 133 health plans in 17 regions throughout the United States.  After improving slightly in 2009, overall health plan satisfaction declined significantly in 2010.  Member satisfaction has declined in all measured areas except customer service, where satisfaction has remained steady.  Satisfaction notably decreased in the areas of coverage and benefits and information and communication provided by health insurers.

The J.D. Power and Associates study also found the following regarding member perceptions of healthcare reform:

-Only 10 percent of health plan members say they completely understand the healthcare reforms, while 57 percent say they partially understand them. More than one-fourth of members say they don’t understand the reforms at all.

-Eleven percent of health plan members say the changes to the healthcare system introduced by healthcare reform laws will result in the loss of their current coverage; 56 percent say they don’t know whether their coverage will be affected.

-Forty percent of health plan members say their healthcare coverage will be worse as a result of the changes to the healthcare system, while just 9 percent say it will be better.

How to Rate Texas Health Insurance Companies

Monday, January 4th, 2010

rate texas health insurance companiesChoosing a Texas health insurance plan involves more than just selecting coverage and comparing prices.  First, you must find a reputable Texas health insurance carrier with a proven track record for meeting its clients’ needs.  The below factors are important to consider when choosing which particular company is best suited to represent you and your health.

Licensed and Certified – Before spending too much time checking Texas health insurance quotes and coverage options, make sure the carrier is certified to operate in Texas.  Each state has its own laws governing health insurance companies, so it’s important that you choose a company that is approved by your state.  Simply call the carrier in question to inquire, or view this list of Texas Health Insurance Carriers.

Company Website – Your research into a prospective health insurance carrier should start on its website.  Reputable companies will have clear websites detailing information regarding Texas health insurance plans, rates, services and other considerations.  The sites will also have contact information should you have any questions.

Customer Service – Whether asking questions via email, over the phone or in person, good customer service from your health insurance carrier is imperative.  Health insurance can be a difficult maze to navigate, and we often deal with health insurance carriers when we’re sick or in need.   Friendly, helpful representatives who respond quickly and competently to questions can make the whole process easier on you and your family.

User Feedback – One of the best ways to compare health insurance carriers is by reading or hearing customer testimonials.  Health-related forums and message boards are great places to read customer feedback on particular carriers, and Consumer Reports surveys its readers on which health insurance options they think are best.  Such information can provide insights that you won’t find published on health insurance carriers’ websites.

Financial Rating – When trusting your health to an insurance company, you want to be sure that it can fulfill the financial obligations required in your policy.  A.M. Best’s Financial Strength Ratings resource provides an independent, third-party evaluation of insurance companies to help you determine the ability of an insurer to fulfill its obligations to its policyholders.