San Antonio Health Insurance Plans for Individuals and Groups
You probably hear a lot about health insurance, but you may not understand much about it or where to start. Choosing the right health plan is one of the most important decisions you make when living or running a business in San Antonio and the surrounding areas.
Selected Benefits wants you to feel confident in your choice. As a premier broker serving the greater San Antonio region, we can help you find the insurance plan that’s right for you. From comprehensive individual or group health insurance coverage to Medicare supplement, life insurance, and health savings accounts, our team can tailor a healthcare insurance solution to your unique needs and budgetary requirements.
Importance of Health Insurance
A doctor’s office visit may cost several hundred dollars and a hospital stay can run tens of thousands of dollars, depending on the type of care provided. Most people can’t afford to pay such large sums, especially when it’s impossible to know when illness or injury will occur or how much care might be needed.
Put simply, health insurance is a way to pay for medical treatment. You choose a plan and agree to pay a specific rate, or premium, each month. In return, a health insurer agrees to limit your liability on your medical costs.
- A good insurance plan protects the health and financial future of you and your family
- Creates access to affordable care
- Helps you find healthcare close to home
- Offers peace of mind
Health Insurance for Individuals and Families
While conventional, employer-provided health insurance is familiar to most people, it’s not the only option. As a result of health reform changes, more people than ever are getting individual health insurance policies.
Even if you’re in good health and feel health insurance isn’t valuable while living in San Antonio, there’s no telling when you might have an accident or get sick. A trip to the hospital can be much more costly than you might expect. The good news is you can protect yourself with the right plan, and Selected Benefits is here to help you find it.
Benefits of Individual Health Insurance
Individual health insurance is a policy obtained by a person for themselves or their family that’s aligned with personal needs and budgetary requirements. Enrolling in this health insurance policy type offers a variety of benefits.
- Covers essential health benefits
- Available to everyone, regardless of pre-existing medical conditions
- Plan-holders can keep policies, even when switching jobs
- Pick the policy that best fits your needs, including the network of providers and coverage amounts
- Costs less than other employer-sponsored health insurance offerings, in certain circumstances
The Trusted San Antonio Health Insurance Broker for Individuals & Groups
With healthcare costs continually rising in San Antonio and the surrounding areas, securing health insurance coverage is increasingly important. The problem is that there are many plans to choose from, and not all are right for your situation.
Selected Benefits is dedicated to finding the right health insurance plan for you and your family. We work with you, comparing the benefits, rates, doctors, and hospital networks from the insurance companies serving the greater San Antonio area. Our professional agents are available to offer advice and answer questions.
Your Source for Medicare Supplemental Insurance, or Medigap, in San Antonio
After years of furthering your career and raising a family, it may be nice to enjoy what San Antonio offers after retirement. It’s home to countless museums, scenic walking paths, and lively events.
While Medicare covers most of the costs associated with healthcare services and supplies, beneficiaries are likely responsible for various out-of-pocket expenses that can swiftly add up. A Medicare Supplement Insurance, or Medigap, policy is a great way to pay for some remaining expenditures.
At Selected Benefits, we specialize in Medicare insurance products. We work with major Medicare supplement carriers in Texas and are adept at quickly analyzing your current policy. When there’s a better alternative out there, our team can find it. Whether you’re already 65 or about to turn 65 in the coming months, we’d love to work on your behalf to find the best combination of plans to suit your unique situation.
Your San Antonio Life Insurance Partner
At its core, life insurance provides financial security for the people you care about. It leaves beneficiaries with a non-taxable amount upon your death, enabling them to cover personal liabilities like mortgages, automobile loans, or other outstanding amounts.
An individual life insurance policy follows you upon retirement or when you’re no longer enrolled in an employer-sponsored insurance plan. Here are additional advantages of life insurance:
- Covering final costs after you pass away
- Paying off debt
- Replacing income
- Charitable contributions
Your life insurance plan will deliver a specified sum of money, shielding those you cherish from potentially devastating financial losses that could result from something happening to you. No two circumstances are identical, however, so it’s crucial to select the best life insurance policy for your situation.
Selected Benefits specializes in matching you with the best option for your budget and needs. We offer term, group, and universal life insurance for individuals and businesses alike. Our experts can even structure custom key man life insurance policies for the upper management of your business.
Your Benefits Partner
Since healthcarein the United States of America is constantly changing, product offerings are often complicated and hard to understand. Insurance brokers play a vital role in helping individuals, groups, and employers in San Antonio and its neighboring communities navigate these challenges.
Selected Benefits supports you or your human resources department by offering strategic advice and feedback when selecting a healthcare plan. Additionally, we’re available to answer any questions. There are many reasons to partner with us.
- Stay informed
- Obtain unbiased information
- Get assistance with applications and enrollment processes
- Troubleshoot issues
Group Health Insurance for Large and Small Companies
Employers or employee organizations, both small and large, can take advantage of group health insurance policies. They’re typically offered to eligible participants and their dependents.
A primary benefit of group health insurance is the increased number of people covered. Including more people offers additional options at generally lower prices than buying coverage individually. In short, group health insurance for large and small companies offers significant value.
- Better insurance plans offered
- Lower prices for insurance plans
- More coverage for pre-existing conditions
- Better access to care
- Tax incentives for providing health insurance to employees
- Improves employee morale
- Options and strategies to help lower your costs
Selected Benefits offers a variety of small and large business group medical plans from all major health insurance carriers in Texas. Our health insurance experts work closely with your company or its benefits manager to pinpoint policies that maximize employee healthcare benefits while reducing costs.
Selected Benefits Makes Insurance Simple
With many insurance options abound, it’s essential to think carefully about the needs of you and your loved ones or employees. Understanding health insurance isn’t easy, so don’t hesitate to get in touch with Selected Benefits.
We work diligently so you can easily navigate the complex healthcare insurance marketplace in San Antonio and its surrounding communities.
Contact us to learn more about San Antonio health insurance plans for individuals & groups.