So let’s break this down piece by piece and you’ll quickly see the difference between small group and individual health coverage. Network Access: In Houston, there are only four health insurance carriers currently offering plans to individuals and families (non-group plans) and all four offerings are HMOs. The bummer of [...]
Well another season of Texas health insurance open enrollment is upon us and some things have changed a great deal. This article will discuss what has changed, what has stayed the same and why I continue to receive emails with lovely topics. First and foremost, please note that it is [...]
While we do have a few more days for the health insurance carriers in Texas to announce their plan designs and rates for the upcoming season, we can be pretty sure that it’s already set as of the day of this article. As it stands now, it looks like there [...]
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 [...]
Steven Wendlandt (Owner/Agent)
FFM ID: swendlandt
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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.
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