Best rates GUARANTEED

Free Assistance 866-444-3332

Texas health insurance Quotes  Texas Health Insurance Plan Introduction

Texas Health Insurance Introduction

Before Texas consumers begin the process of researching, selecting and securing Texas health insurance, it is important to understand the basic components in order to ensure that the approved coverage meets the needs of the policyholder. Evaluating Texas health insurance options can be overwhelming at times, and the Texas consumer should be knowledgeable in order to make the best decision. The process to secure Texas health insurance involves four very different stages: (1) Research, (2) Selection, (3) Application and (4) Decision.

Research

Like any other financial services decision that an individual makes, the purchase of Texas health insurance should begin with research. The goal of researching Texas health insurance is to identify providers that are financially strong, to understand what benefits are important, to determine premium ranges for the desired benefits and to select a broker to explain coverage and carrier options.
The Internet has become an invaluable tool for Texas consumers to use in assisting with Texas health insurance research. Websites are available to help consumers understand technical aspects such as the financial ratings of the carriers. Firms such as A.M. Best, Standard and Poor's, and Moody's will provide detailed information regarding the financial strength of the carriers. The financial strength of a carrier is important because it is an indicator of how well the carrier can manage changes in the overall health care economy.
Research should include looking back at how health care has been used during the past three years. In order to determine the advantage of higher premiums associated with plans that include an office visit co-pay benefit, the number of visits made to a doctor annually should be quantified. Another area to concentrate on is prescription usage. Consumers should identify all prescriptions used, especially prescriptions that are being used on an ongoing basis. Different carriers have varying levels of risk tolerance for prescriptions, and an individual's prescription usage could have a direct impact on which carrier would approve an application.
Consumers should always determine what their monthly budget goal is for Texas health insurance. An important aspect in researching Texas health insurance is to understand Texas health insurance terminology. For example, a common question concerns deductible and how a plan deductible works. Deductible, which is the amount for which the insured is responsible before an insurance company will make payment, has a direct effect on premium? As deductible goes down, the plan premium will go up, and the inverse will be true. The consumer should understand what level of deductible is acceptable. Understanding terminology related to Texas health insurance will help determine the necessary monthly budget. Websites such as www.texasplans.com , which is owned by Stateside, provides a wealth of consumer information to help with the research. The www.texasplans.com  website includes terminology information, provider search engines, plan descriptions, plan premiums and information on health savings accounts.

Research is an important first step that will enable the consumer to make a beneficial decision once the most appropriate options have been defined through the selection process.

Selection

Research will enable the consumer to broadly define the type of plans and which carriers are the most the suitable given health history, budget and historical use of health care services.

The insurance broker is an excellent resource to organize the information and will be able to interpret and explain the differences between the various plans. Individuals in Texas have over 100 plan options from the five largest carriers. Stateside will use the information identified through the research phase to narrow the number of options to between 9 and 12 plans. Stateside will explain the differences in coverage and benefits and through discussing the plans will be able to narrow the number of suitable plans to a more manageable 3 to 5 options. If different carriers are involved, the doctors' network participation should be identified in order to confirm that in-network benefits would be available.
Stateside will take as much time as needed to explain the various options and will help the consumer arrive at a decision. It is important during the selection process that adequate time is taken to discuss and explain plan options so the consumer ultimately feels confident with making the decision.

Application

Health insurance applications are now submitted predominately online which allows the carriers to arrive at an underwriting decision in a much shorter period of time. In the past, as recent as 2006, printed applications were mailed to the broker who would review the application and forward the application to the carrier. Once the application was received, the carrier would input the information into the underwriting database and begin the process of making a decision. The decision timeline for the printed application once it was received by the broker was between 30 and 35 days.  Since the applicant no submits the application information online and directly into the carrier's underwriting database, a decision can be made at in as little as 7 days and typically in less than 21 days.
Since the ACA law implementation, medical underwriting is no longer required

Carriers require the initial premium to be paid with the application. Premium payments can be made with either a credit card or a bank draft. Depending on the carrier's procedures, the payment will be processed either as soon as the application is submitted or when a decision is made to offer coverage.

Decision

There are no longer rate-up, waiting periods, pre-existing condition clauses but we need to apply during Open Enrollment or via a Special Enrollment window (detail below). 

Conclusion

Applying for Texas health insurance can be a very efficient process when the applicant invests time in understanding the key terminology and the options that are available. With the help of the Internet a great amount of information can be accessed to help in evaluating the best options; and with the online application, a coverage decision can be made in a relatively short amount of time. Texas consumers should consult frequently with Stateside Insurance during the process in order to completely understand their options and to secure the best coverage to meet their needs and budget.
 

You can run your Texas Health Quote here to view rates and plans side by side from the major carriers...Free.

Again, there is absolutely no cost to you for our services.  Call 866-444-3332 Today!

YOU MAY STILL BE
ABLE TO ENROLL

In just 15 minutes:

  • - Find the most Tax Credit available
  • - Choose the Best plan for your needs
  • - Apply right over the phone!




Call 866-444-3332

Our Services are FREE to You!

Need Help
With Account

We can help you:

  • -Compare the plan levels and carriers
  • -Make sure you are using the correct income
  • -Choose and finalize plan enrollment
  • -Address membership changes year-round
  • -Payment/membership issues with carrier

Call to Enroll over the Phone in 15 Minutes

If Your Income
Is In This Range

Current Years Estimate; All those that file together on one 1040 tax form:


Single Person: $11k - $47k
2 People $16k - $63k
3 People $20k - $79k
4 People $24k - $95k

Call 866-444-3332 
and more

Thousands of Texas Families
Hundreds of Texas Businesses

SUCCESSFULLY
ENROLLED

Thousands of Texas Families
Hundreds of Texas Businesses

from SR

"I can't tell you how much I appreciate your help. It is priceless."

from GH

"I was impressed with your knowledge and courtesy. Thanks for taking good care of my coverage"

from DA

"Thank you for sending the information so quickly"

from JW

"Thank you for all your help in this process as I don't think I could have done it without you!"

from BT

"Thanks for your help today. You definitely know more than most of the agents I have talked to"

from VH

"I appreciate your help. You are always there when I am "in crisis", thank you!"

from SA

"It is good to hear from you, again. I always thought you focus on your client's best interests"

from MD

"You are the greatest! Thank You for all you do for us I really appreciate you."

SUCCESSFULLY
ENROLLED

Contact TexasPlans.com

To Get Started

You can get the enrollment process started using any of the following:

Click on the Instant Quote link and provide census information.  Stateside will respond with a proposal that outlines your various plan options with premium cost.

Call (866) 444-3332 (toll free) and speak with a licensed representative regarding your coverage, subsidy and enrollment questions.

Email Stateside at info@texasplans.com with demographic information (date of birth, zip code and gender), and a proposal will be sent to you.

Request a 10 Minute Health Plan Check-up

We'll quickly see if you have the best priced plan available and if you qualify for a tax credit

866-444-3332

Our Services are FREE to You

TexasPlans.com is a Stateside Insurance Services Website

This website is owned and operated by Stateside Insurance Services, which is solely responsible for its content.