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. [...]

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 [...]

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 [...]

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 [...]

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 [...]

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.  [...]

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 [...]

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 [...]

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 [...]