But aren’t the insurance companies just ripping people off to make a profit? Another common misconception (furthered by a news media eager to point a finger at someone for the high cost of medical care) is that health insurance companies pay little claims, and most of the premiums become pure [...]

This may seem like an obvious answer, but it is a question that is actually posed by customers on a regular basis. When most people think of health insurance, they think of doctor co-pays, prescriptions, and the like. But the fact is, that’s only a fraction of what it means [...]

 If you have a PPO plan, then you need to know this! In network simply refers to the list of doctors, hospitals, labs, pharmacies and other ancillary providers that are members of your PPO. Out of network refers to any one of the above named providers who are not a [...]

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 [...]