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Is there a way I can lower the premiums on my health insurance without sacrificing benefits?

What we normally suggest is purchasing a health insurance with a higher deductible than what you may be used to and coupling that with an accidental injury policy and a critical illness policy. Here's an example: Let's say you're a family of four (35M, 35F, 4F, 2M in Houston zip [...]

Is there a way I can lower the premiums on my health insurance without sacrificing benefits?2016-09-13T18:03:32-05:00

What is a Certificate of Coverage and why is it Important?

A Certificate of Coverage will show proof of prior, continuous health insurance coverage to your new health insurance carrier. The document typically contains the names of all insureds along with their dates of birth and the effective and termination dates that they were insured under the prior insurance plan. All [...]

What is a Certificate of Coverage and why is it Important?2016-09-13T18:02:54-05:00

I want my old PPO plan back! What can I do?

Since the Patient Protection & Affordable Care Act, also referred to as “Obamacare”, was passed into law in 2010, this is a common question that has been on the minds of many Americans. While Selected Benefits only provides services for those who need Texas health insurance policies, the problem is [...]

I want my old PPO plan back! What can I do?2016-09-13T18:01:27-05:00

What’s Next for Healthcare Reform? (Part 2)



Women’s comprehensive health coverage empowers women to make the best decisions impacting their lives and their offspring.
 Benefits which are already available to policy holders include: a free annual well checkup through your doctor, OBGYN or pediatrician.  The goal of this step is simple keep a person in check in [...]

What’s Next for Healthcare Reform? (Part 2)

2016-09-13T18:00:15-05:00

What’s Next for Healthcare Reform? (Part 1)

Healthcare reform entails several steps and changes which have been gradually going into effect since early 2010. The changes will occur over the next several years and will plateau with coverage where no American can be denied for health insurance coverage - no matter what their health issues may be.  [...]

What’s Next for Healthcare Reform? (Part 1)2016-09-13T17:58:20-05:00

More Help for the Self Employed….

Selected Benefits, Inc. prides itself on working with self-employed individuals to help them obtain affordable and comprehensive health care coverage.  With health care reform on the horizon, many of our clients are concerned that the new laws will affect them adversely.  To allay those fears, here are five ways health [...]

More Help for the Self Employed….2016-09-13T17:56:51-05:00

Provisions of the ACA Currently in Effect:

The Affordable Care Act (the “ACA”) is a leading topic in today’s news.  Some of it will not take effect until 2014, but some of the provisions of the ACA are already in force.  Some provisions, like coverage for adult children, have been discussed widely.  Others may not be as [...]

Provisions of the ACA Currently in Effect:2016-09-13T17:54:55-05:00

My employer offers a group health insurance plan, but it’s too expensive. Do I have to take it? (Part 2)

Obviously, they cannot discriminate with their hiring practices, but they can certainly offer to pay for a younger employees’ coverage thereby accomplishing the same goal. We see this quite a bit in companies with owners who “need” the younger employees to keep the rates low. Did you ever notice why [...]

My employer offers a group health insurance plan, but it’s too expensive. Do I have to take it? (Part 2)2016-09-13T17:51:25-05:00

My employer offers a group health insurance plan, but it’s too expensive. Do I have to take it? (Part 1)

Group health insurance is an excellent option for most employees since those plans can offer much greater benefits than plans in the private market, but these plans do come at a cost. If you don’t need the extra benefits, you may want to purchase an individual or family health insurance [...]

My employer offers a group health insurance plan, but it’s too expensive. Do I have to take it? (Part 1)2016-09-13T17:50:30-05:00

(Part 2) I’ve heard that I may be entitled to a rebate from my health insurance policy due to healthcare reform. What are the details?

How many policyholders will receive rebates and how much will they be? The initial estimates are that about 15 million plus members will receive rebates in the Summer of 2012 for 2011 premiums paid. This equates to about a third of all policyholders who have either individual or family health [...]

(Part 2) I’ve heard that I may be entitled to a rebate from my health insurance policy due to healthcare reform. What are the details?2016-09-13T17:49:33-05:00