The Internet has provided today’s consumer with a wealth of health insurance information. With a few keystrokes the consumer has access to multiple insurance carriers, plan details, benefits, premiums and the online application process. With all of this information...
After determining a premium, most people focus their choice of insurance carrier on plan benefits such as deductibles, copayments, provider networks, and maximum out-of-pocket reimbursements. All these factors are important to understand, but people often overlook a...
The Affordable Care Act (ACA) created a new entity that is involved in the distribution of health insurance products to the health insurance exchange or the health insurance marketplace as they are now known by. Navigators were created under ACA to assist with an...
In the health insurance industry, contractual agreements are required between the insurance carrier and the policy owner; and the insurance agent, also known as a broker or producer, stands in the middle of both. The broker, through an appointment contract is...
Price is always foremost on the minds of Texas consumers when shopping for health insurance. At the same time, consumers typically want the most coverage for the least amount of premium. You can immediately see that there exists a significant conflict when the need is...
A common misunderstanding is that an individual can enroll in an Affordable Care Act (ACA) plan at any time during 2022. This is not the case at all. Open Enrollment is scheduled to end on January 15th and ACA compliant plans will not be available again until the...
