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Health Insurance

Health Insurance for Individuals in Texas – What to Look for in a Broker

If you find yourself shopping for health insurance for individuals in Texas you have quite a few options. Scour the internet, fill out forms, call companies, read all the emails you get sent, look over PDF brochures, and on and on and on. Call me a little biased but using a broker will get you far. Rather than spending countless hours researching one or two short phone calls with a professional can get you prices, get you educated, and even get you insured. Brokers have spent the time to learn about the products for you, they often have contacts at insurance companies the consumer would be hard pressed to find, and they have easy access to to rates from multiple companies. Here are a few tips you can use to be sure you have found a good broker.

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Health Insurance Terms

actuary – a mathematician in the insurance field. Responsible for calculating premiums, developing plans and defining underwriting risk. agent – a licensed individual who represents

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Health Insurance

A Final Word

If you get health care coverage at work, or through a trade or professional association or a union, you are almost certainly enrolled under a

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Other Forms of Health Insurance

In addition to broad coverage for medical, surgical, and hospital expenses, there are many other kinds of health insurance. Hospital-surgical policies, sometimes called basic health

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Comparing Plans

Whether you end up choosing a fee-for-service plan or a form of managed care, you must examine a benefits summary or an outline of coverage

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What Is Not Covered?

While HMO benefits are generally more comprehensive than those of traditional fee-for-service plans, no health plan will cover every medical expense. Very few plans cover

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Pre-existing Conditions

Many people worry about coverage for preexisting conditions, especially when they change jobs. The Health Insurance Portability and Accountability Act (HIPAA) helps assure continued health

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How Do I Get Health Coverage?

Health insurance is generally available through groups and to individuals. Premiums – the regular fees that you pay for health insurance coverage – are generally

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