Deductible: In general, the higher the deductible, the lower the monthly premium and the lower the deductible, the higher the monthly premium. The deductible is solely your responsibility and must be paid first before the insurance carrier will begin to pay their portion of any major medical claims. You may be [...]
The answer depends on whether we're discussing the pre-underwriting price or the post-underwriting price. By pre-underwriting price, I simply mean the monthly premium that you see posted on the internet etc without regard to one's medical history. Only about 20% of all applicants can qualify for these "initial" or "preferred [...]
[et_pb_section fb_built="1" admin_label="section" _builder_version="3.22" global_colors_info="{}"][et_pb_row admin_label="row" _builder_version="3.25" background_size="initial" background_position="top_left" background_repeat="repeat" global_colors_info="{}"][et_pb_column type="4_4" _builder_version="3.25" custom_padding="|||" global_colors_info="{}" custom_padding__hover="|||"][et_pb_text admin_label="Text" _builder_version="4.11.4" background_size="initial" background_position="top_left" background_repeat="repeat" hover_enabled="0" global_colors_info="{}" sticky_enabled="0"]4) The Supreme Court could repeal the individual mandate, but nothing else. This appears to be the most likely outcome based on oral arguments. The individual/family and [...]
2) It is possible that the Supreme Court could rule that the individual mandate is unconstitutional and therefore, the law would not be able to stand on its’ own without it. Why? Unless everyone in the U.S. buys health insurance and pays their applicable premiums, the system will not be [...]
In the past few weeks, the Supreme Court decided the ultimate fate of the new healthcare reform law passed by Obama in 2010. In a few more weeks, Americans will have a better idea of the ramifications of their decision. There are four likely outcomes of this landmark decision and [...]
If you are diagnosed with a terminal or critical illness, the plan will pay out up to 90% of the face amount in a single lump sum. A terminal illness is defined as a disease that cannot be adequately treated or cured and that is usually expected to result in [...]
Selected Benefits basically offers several types of term life insurance, but each one has different objectives and is applicable in different situations. On the plans we offer, the premiums are guaranteed to never increase over the term of the policy. Term Life with Return of Premium (ROP): This type of [...]
The two most popular types of life insurance are either Term Life Insurance or Universal Life Insurance. Term Life Insurance will last either 10, 15, 20, 25 or 30 years. Once the term is over, the insurance carrier will typically give you an option to renew the coverage, but at [...]
Temporary health insurance in for Texas residents can be used for a variety of reasons including, but not limited to: 1) A person in between jobs as a short term medical insurance can be much less expensive than COBRA. 2) A person waiting for employer benefits to begin. 3) A [...]
A PPO policy is what most people are used to in that they typically offer co pays for both doctor visits and prescriptions. An HSA policy, however, will typically not have co pays for doctor visits, but will have co pays for prescriptions after you've hit the major medical deductible. [...]
Steven Wendlandt (Owner/Agent)
FFM ID: swendlandt
NPN: 7437846
Texas Insurance License: 1197552
Arkansas Insurance License: 7437846
Group Health Insurance offered by iSure, LLC – a Selected Benefits, Inc. and AO Insurance Agency, Inc. partnership.
Toll Free Phone: 866-270-6209
Local Phone: 713-621-1440
info@selectedbenefits.com
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3000 Weslayan, Suite 318
Houston, TX 77027
225 Ash St.
Conway, AR 72034