How much does it cost and how are premiums determined? The Humana CI cash plan is rated based on the covered person’s age at the time of enrollment and tobacco use, if any.  If the person uses tobacco, the rates will be roughly double.  Likewise, a person who is younger [...]

A critical illness policy is a limited indemnity plan that pays a set cash amount in the event of a covered illness.  These plans are designed to supplement your health insurance policy by helping to pay for the deductible and out of pocket.  For example, if you had a $5000 [...]

Selected Benefits currently offers several accident plans, but our most popular is from NACD (National Association of Consumers Direct). The plan is designed to pay for any expenses related to a covered accident (that your health insurance doesn't pay for) up to the benefit amount you purchase. In order to [...]

Let's review the general criteria. There are quite a few factors that determine your insurability and they are always changing depending on how aggressive the health insurance carriers are at gaining market share. Height/weight: This is the most obvious factor and some carriers are more liberal than others in this [...]

Unfortunately, as of this writing, maternity benefits are only available on group insurance through an employer in Texas. The individual/family private plans do not offer maternity coverage in Texas. Complications of pregnancy are covered as any other illness, but just not the routine pre natal, routine birth and postnatal care. [...]

The question is, why would you not? A good agent can be invaluable in the process as he/she has access to information and processes that you do not. For example, some insurance carriers will use exclusion waivers on certain pre-existing conditions and some will not. How would you which carrier [...]

1) COBRA coverage: If you or your spouse has recently lost their job, COBRA may be an option. COBRA is simply an extension of the health insurance you had before, but with a 2% surcharge tacked on. Many people are shocked at the cost of COBRA, but remember, the plan [...]

The short answer is you can, but you'll be sorry unless you take a few steps first. The basic idea with a PPO is that you have a "network" of physicians, hospitals, imaging centers, pharmacies and many other ancillary medical facilities that have banded together. They have each contracted with [...]

As a Texas health insurance agent, I hear this comment all the time and it always makes me laugh because nothing could be further from the truth. I would love it if my auto insurance carrier would pay for an annual tune up on my car each year. I would [...]