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Posts Tagged ‘Texas health insurance quote’

Finding Affordable Texas Health Insurance Quotes

Wednesday, June 30th, 2010

finding texas health insurance quotesFinding a good Texas health insurance quote can be tricky if you don’t know where to look.  And these days, with costs rising and employers dropping group coverage, more and more people must find and secure their own Texas health insurance plans.  More than just coverage for doctor visits and prescriptions, health insurance protects your way of life and financial future.  It may seem costly now, but Texas health insurance can save you thousands of dollars in the long run.  The following tips offer hassle-free steps to finding an affordable quote.

Don’t pay for it

There are so many options for obtaining free Texas health insurance quotes that there’s no reason to pay for one.  If a company wants your money before giving you a quote, then move onto the next company.

Shop around

These days it’s very easy to obtain a Texas health insurance quote.  Simply go online and companies are eager to provide you with what you need, but make sure your quote is coming from a health insurance provider licensed to operate in your state, or from a reputable, certified broker.

The Lowest Price Isn’t Always the Best

While a low cost quote is very attractive on the surface, it’s important to consider value, rather than just price.  If the plan doesn’t cover the services you require, like prescriptions or maternity care, or if it doesn’t cover your preexisting condition, then you’ll end up paying much more money in the long run.  Anyone can give you an inexpensive quote, but unless it’s for a Texas health insurance plan than offers the benefits and services you need, keep on looking.

And a High Price Doesn’t Mean it’s Good

Similar to how a low cost quote isn’t always a good bargain, a high priced quote doesn’t mean you’re getting the best coverage. An expensive health insurance plan can offer comprehensive services and benefits, but unless you’re going to use those benefits, you’re wasting your money.  Make sure the Texas health insurance plan you select isn’t stuffed with services you’ll never use, or you’re just throwing money away.

Looking For Low Cost Texas Health Insurance Quotes?

Wednesday, December 23rd, 2009

texas health insurance quotesIn difficult financial times, many people begin to look for ways to cut costs. Re-evaluating one’s current health insurance coverage is one possible money-saving option. Even so, discerning which Texas health insurance plan is best for you and your family can be an overwhelming task, especially when trying to save money.

Custom Health Plans offers Texas  Health Insurance quotes as a helpful tool  allowing consumers to compare and contrast different plans available from the leading Texas health insurance companies. This free service provides an easy and efficient way for individuals, families, small businesses and the self-employed to identify the best options and the most competitive Texas  Health Insurance plans, allowing consumers to have the most comprehensive coverage for the best possible price.

Sometimes finding the lowest priced Texas health insurance plan is not the best option. It is important to understand that the lowest premium option may not cover the benefits required; therefore, choosing the cheapest option may cost you more in the long run. However, through  Custom Health Plans’ simple, state of the art online quoting system, one can evaluate multiple  health insurance companies’ benefits and prices in order to find the most affordable plan with the most comprehensive coverage.

Interestingly enough most have found that the most affordable option will usually cost less than what they were already spending on monthly premiums. So in addition to getting better coverage tailored to your current health care needs, you will be saving money on monthly premiums and in long term health care costs.

Texas Health Insurance Tips for Growing Families

Wednesday, December 16th, 2009

texas health insurance for familiesCustom Health Plans allows the consumer to evaluate different Texas health insurance plans in order to find the best option available to meet the ever-changing needs of individuals and families.

Growing families are in a constant state of change. From diapers, to little league, to graduation, milestones are experienced frequently in the lives of families with children. Through each stage, the family dynamic changes, as does its needs. It is important that these are taken into consideration when looking at different Texas health insurance quotes.

The first thing young, growing families should consider when shopping health insurance is the frequency in which infants and young children are required to visit the doctor for medical check-ups and immunizations. Families with infants and young children should consider low co-pay family health insurance plans that cover immunization costs.

Another tip for growing families is to keep your health insurance plan updated. It is important to make sure all family members have appropriate health care coverage. In the midst of the excitement surrounding the birth of a new baby, parents, especially those with multiple children, can forget to add the new family member to the existing health insurance plan. Unfortunately, the mistake is realized when it is time to take the child to the first check-up. Therefore, updating your health insurance to reflect your family’s current needs allows you to save money and to avoid surprises when a health care need presents itself.

Finally, the last tip is to remember that young adult college students can still be covered under their parents’ health insurance plan. By simply providing official documentation of current registration status, college students can benefit by continuing their health care coverage under their parents’ health insurance plan. Evaluating health insurance options during times of transition allows families to familiarize themselves with all the options available. For example, families can determine if covering their student under their current plan is best or if establishing a short term health care plan is more appropriate.

Ultimately, growing families need to re-evaluate their health care plan periodically to determine if their subscribed health insurance options are appropriately providing the proper benefits that meet the needs of each individual family member.

Texas Health Insurance: Is COBRA worth it?

Friday, December 4th, 2009

Texas Health InsuranceDanner, of My SA News, reported in an article entitled Jobless may face loss of health coverage that “without [government] subsidy, the average monthly cost of COBRA coverage for Texas families of three or more jumps from $373 to $1081…[which is over 75%] of the average monthly unemployment compensation benefit” (2009).

What is COBRA?

According to the United States Department of Labor, “COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves” (2009). Therefore, without the government subsidy, provided by the stimulus bill passed in February; COBRA is still too expensive for those it is intended to help.

In addition, there are millions of Americans who will choose to drop health insurance coverage due to the rising costs of health care premiums, the inability to obtain affordable health insurance with their new employer, or simply the lack of confidence in coverage provided by their current provider.

So what are your options?

If you or someone you know is facing a decision concerning whether or not to change or to end their current insurance coverage, please contact a health insurance expert at Custom Health Plans to discuss short term health insurance options or get an online quote, by comparing the top health insurance plans and benefits in order to find the most affordable health plan at http://customhealthplans.com

References:

Danner, P. (2009, December 3). In My SA News. Jobless may face loss of health coverage. Retrieved from http://www.mysanantonio.com/news/78388327.html

U. S. Department of Labor. (n.d.). FAQs for employees about COBRA continuation health coverage. Retrieved on December 4, 2009, from http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.HTML