Dental Insurance

There are pros and cons to purchasing a dental policy, either from your employer or as an individual from a private insurance carrier. In some cases, dental coverage will not save you money at all, even if you are needing dental care.Dental plans emphasize preventive...

Why do health insurance policies rely on drug formularies?

Drug formularies are probably the least understood component of a health insurance policy.  Texas consumers rarely discuss the prescription formulary and how a formulary functions before securing coverage.  All Texas health insurance carriers rely on drug formularies...

You got the C.O.B.R.A letter. Now what?

When an employee leaves employment, regardless if the separation is voluntary or involuntary, one of the first items to address is the letter outlining your benefits under C.O.B.RA.  Although carrying the same name as the world’s largest venomous snake, there is...

Silver vs Bronze: Who takes the medal?

Key Topics: Metallic tiers were simplifiedCost-sharing was discontinued which resulted in “Silver Loading”Four major plan differences: deductible, out-of-pocket maximum, office copay and prescription benefitsPurchase decision justification When the Affordable Care Act...

Why Are Insurance Agents Regulated by the State?

When it comes to health insurance, the application and subsequent policy documents establishes the contractual requirements of the responsible parties, the insurance carrier and the policy owner. The insurance agent (or broker), stands between both parties.  The agent...