What services an office visit co-pay covers is a very common point of confusion for Texas consumers. An office visit co-pay establishes a fixed, predetermined price for the consultation with a physician. Many consumers believe that whatever services are received...
What’s Open Enrollment? And why do we have it? Open Enrollment is the annual period when you can evaluate your health insurance options and change your plan accordingly. The most important thing to understand about Open Enrollment is the time frame for applying...
Traditional health insurance policies typically have two deductibles: one deductible is assigned to medical benefits such as hospital, physician or lab services, and the second deductible is assigned to the prescription benefits. Prescription drug cost growth...
The requirement to have an insurance claim subrogated is rare but can happen in the case of an accident involving two or more people where one of the individuals involved is at fault. The definition of subrogate is to substitute one for another. The legal definition...
Medical Savings Accounts (MSAs) were introduced to consumers in 1996 as an amendment to the Health Insurance Portability and Accountability Act. The amendment was sponsored by Texas Congressman Bill Archer, and the MSA became known as the Archer MSA. MSAs were...
Since passage of the Affordable Care Act (ACA) in March 2010, the addition of preventative care benefits has been one of the principal selling points. However, the expectations of consumers did not match the benefits provided by health insurance carriers. The...
