As we ended 2016 and began 2017, our agency sensed a “sea change” within our clients and what they want in their health insurance benefits going forward. The frustration over the Affordable Care Act along with the government’s inability to make any real changes going forward was palpable. Since the [...]
Well here we are again. The Affordable Care Act, even with the showdown in Washington, looks to be here to stay for at least another year. I realize that Trumpito is trying to let it die a natural death, but that would be very unlikely given the fact that many [...]
I’m very surprised that since the Patient Protection & Affordable Care Act has been in place since 2010, that many of you are still not aware of the basic rules and what it can do for you. Please don’t get political on me, this is simply a case study of [...]
Well we knew it wouldn't last forever, but the Federal government just passed down another rule change that will provide another small roadblock for some Texas small businesses who wish to form a small group plan. In years past, we used to be able to form a small group plan [...]
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 [...]
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 [...]
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. [...]
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 [...]
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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4405 Directors Row
Houston, TX 77092
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Dallas, TX 75202
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