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Seems like an easy question, yes? For so many of us, whether self employed, in between jobs, working for a company that doesn’t offer health insurance, or whatever your situation may be searching for health insurance quotes in Texas can be a daunting task. Let’s give you a few simple tricks, if you will, to make the task much easier. We will list three things you can do to make sure you find the right quote.
What am I looking for in a policy?
Seems like an innocent enough question. In my experience helping clients this is one of the harder questions to answer when looking for health insurance quotes in Texas. I am often answered with “I’m not sure, what do you think?” A good broker can always help their client figure this question out by asking some good questions but it will help your search by thinking about this before going into your purchasing process. Think about your budget, who needs to be covered, how much of deductible can you afford for you or your family, are there options you must have on your policy, and we can go on and on. These will put you in the right direction and you can always ask for advice from your broker.
What is my budget?
As with all other monthly household or business expenses it is important to budget. Spending too much on a certain expense can make you come up short in other areas and under cutting things like health insurance or property and casualty insurance can leave you in a lurch if an accident or illness happens. When you look for health insurance quotes in Texas make sure you at least have a dollar range in mind on what you can spend. Armed with that and the answers to the question above you will be well equipped find the right policy for you and your family and make sure you don’t become “insurance poor”.
Be open and honest
When you talk to your broker about health insurance quotes in Texas always be open and up front. It is their job to be resourceful and helpful. A good broker can help you in just about any situation. You may think you are insurable or maybe you think you will be rated heavily due to a condition you have. There is always a solution to find the right health insurance quote in Texas for you and your family. Plus, being open in the beginning of the process will make it less likely that there is a problem once you have purchased a policy.
For more tips or your own health insurance quotes in Texas send us an email or give us call.[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
Jesse Smedley is the Principal Broker for iHealthBrokers and the founder, president, and CEO of Smedley Insurance Group, Inc. and iHealthBrokers.com. Since the inception of SIG in 2007, Jesse has been dedicated to helping people save money on their health insurance by providing them with resources to educate themselves on all their health insurance options, both under age 65 and Medicare beneficiaries. He is featured in many publications as well as writes regularly for expert columns regarding health insurance and Medicare.