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I have a family member who is sick and needs treatment now. What are their options?

There are plenty of options for your situation, but the private insurance market is probably not one of them. Health insurance markets are, by design, constructed so that the monthly premiums that the younger, healthy people pay will go toward the expenses of those who contract illnesses or have accidents. Simple as that. That’s the […]

Since I’m self-employed, is there a better way to purchase disability coverage?

It seems so expensive. You’re correct. The overwhelming majority of both accident and sickness disability policies are purchased through the workplace at a very reasonable rate for the insured. In fact, if you are self-employed, be prepared to pay about twice as much for comparable coverage if you do not purchase through your employer. Selected […]

Part 2 – What other type(s) of coverage should I think about when purchasing Texas health insurance?

Accidental Injury Plans: These supplemental policies will pay for all expenses related to any covered accidental injury after a $100 deductible up to the face amount of the policy. Our most popular accident plan is from  HYPERLINK “http://www.nacdbenefits.com/?Agent=5bhtM2N9Z25R9do2WCwJ” NACD and is available in a $2,500, $5,000, $7,500 and $10,000 benefit levels. We recommend enough coverage […]

Why should I purchase traditional health insurance?

When I have found several limited benefit plans that cost less and appear to have no deductibles? Limited benefit plans have become increasingly common on the individual market and may seem appealing to those who feel that a high deductible is cost-prohibitive.  Before turning to such a plan, however, there are some very important factors […]

Does my policy cover lab work and x-rays?

Most  HYPERLINK “http://selectedben.wpengine.com/Health-Insurance-for-Family.html” Texas health insurance policies do include routine lab work as part of your preventive care.  For example, women over the age of 16 will receive and annual, routine pap smear and women over the age of 35 will receive a routine, annual mammogram. Men age 50 and over are entitled to a […]

Why do I need Health Insurance? (Part II)

But aren’t the insurance companies just ripping people off to make a profit? Another common misconception (furthered by a news media eager to point a finger at someone for the high cost of medical care) is that health insurance companies pay little claims, and most of the premiums become pure profit for the corporation.  The […]

Why do I need Health Insurance? (Part 1)

This may seem like an obvious answer, but it is a question that is actually posed by customers on a regular basis. When most people think of health insurance, they think of doctor co-pays, prescriptions, and the like. But the fact is, that’s only a fraction of what it means to be insured. True medical […]