We have several options that will compliment your health care coverage; all of which are designed to reduce risk. Dental Plans: Dental plans are available in two basic forms 1) Those that have free preventive care and normally a waiting period of at least 6 months for basic/major services. Once [...]

When I have found several limited benefit plans that cost less and appear to have no deductibles? Limited benefit plans have become increasingly common on the individual market and may seem appealing to those who feel that a high deductible is cost-prohibitive.  Before turning to such a plan, however, there [...]

Most  HYPERLINK "http://selectedben.wpengine.com/Health-Insurance-for-Family.html" Texas health insurance policies do include routine lab work as part of your preventive care.  For example, women over the age of 16 will receive and annual, routine pap smear and women over the age of 35 will receive a routine, annual mammogram. Men age 50 and [...]

Selected Benefits, we deal with this question on a daily basis and the answer is quite simple.  A pre-existing condition is defined as any medical condition for which you have been diagnosed or treated within 12 months of the effective date of your policy.  An example of a pre-existing condition [...]

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 [...]