Low Cost Health Insurance In Texas
Like in most states, you can get health insurance in Texas that basically falls into two categories: Fee-for-service and managed care.
Fee-for-service: With this type of health insurance policy, you can see any doctor or provider you want and typically go to a specialist without a referral. The provider may bill the insurance company, or you will need to submit a claim form to the health insurance company to reimburse you for the expenses that they cover. The insurance company may cover from 80 to 100 percent of the expenses. You will pay a premium, a deductible, probably a coinsurance amount and will have a maximum yearly limit to your coverage. Texas law requires health insurance companies to pay claims promptly.
Managed care: A managed care plan uses doctors, hospitals, and other providers that are associated in a network. You would become a member of an HMO, PPO or POS network and usually have to use the providers in the group to receive benefits. This put some limitations on who you can visit for health care, but these plans usually provide an affordable health insurance alternative to fee-for-service. Also, Texas law is very comprehensive about protecting your rights when you join a network.
You should get several quotes when shopping for health insurance -- at least three. In Texas, one of the easiest ways to get multiple quotes is to go online to an insurance comparison site. These sites allow you to enter your information into a "quote box" or form, and then they'll provide you with multiple quotes from different companies or agents. Since coverages and plans all differ, make sure to see if the plan you like is giving you the service and coverages that you and your family needs.
Related Tags: health insurance, health insurance quote, low cost health insurance, texas health insurance
You can get free comparison quotes for Texas health insurance and learn more about saving on health insurance at LowerYourInsurance.com Scott Lunt writes often about health insurance.
Your Article Search Directory : Find in ArticlesRecent articles in this category:
- What Is Best Treatment For Malaria?
Malaria is directly correlated with traveling to foreign countries with large populations of Aedes m - Radiofrequency Neurolysis of Facet Joint
What is radiofrequency ablation (RFA)?Radiofrequency is a means of interrupting pain signals. An ele - Health Insurance Information for College Graduates
Resume...Ready.References...Ready.Health Insurance...what?Now that you've graduated from college, yo - Individual Health Insurance - The Good, The Bad & The Ugly
Individual health insurance coverage can be very costly and may not provide 100% of all of the benef - Why Do I Need Disability Insurance?
Your career is a direct result of hard work and a substantial investment of time and money. Do - Understanding Health Insurance
Health insurance is a necessity for all. With medical expenses soaring every day higher than a hang - Blue Cross Blue Shield Michigan Heads April's Chiropractic Office Billing Software Precision Index
Chiropractic Office Billing Software Performance Index (BPI) in April 2007 outperformed its March va - Tips On Finding The Right Health Insurance For Your Family
Choosing the right health insurance provider is a big decision, but it's an even bigger decision whe - NPI Deadline Extension? How Does the CMS 1500 and NPI Deadline Extension Affect Your Office
There is a lot of buzz out there about the CMS, Center for Medicare and Medicaid Services, extending - The Ultimate Guide to Buying Health Insurance
If you've found your way to this article, chances are that you're looking to purchase health insuran
Most viewed articles in this category:
- Aromatherapy Information
Guidelines that Aromatherapy enthusiasts ought to knowCombined with the mode on new age events on th - The Benefits of Not Having Health Insurance
Sounds silly doesn't it.But wait.The benefits of not having health insurance can be summed up in one - Individual Health Insurance
If your employer does not offer group insurance, or if the insurance offered is very limited, you ca - Ups and Downs of the "New" Consumer Directed Healthplans
After nearly 20 years of low copays for office visits, prescriptions, hospitalizations and the like, - Affordable Health Insurance in Houston, Texas
Houston, Texas provides many things to many people. Museums, fairs, marathons, festivals - you name - Free Health Insurance Quotes
Why waste time calling one insurance company after another to get health insurance quotes? Just as t - Health Insurance Is Important
The importance of health insurance cannot be stressed enough. There are probably very few families - Cold Sore Treatment - Grandma's Breakthrough Treatment Leaves Experts Clueless
About 50% to 80% of the American population carries the herpes simplex 1 virus. That is easily more - Affordable Health Insurance in Michigan
If you are having trouble finding affordable health insurance in Michigan, you may want to look into - Health Insurance Invites Waste
What if you had supermarket insurance and 20% was the most you would pay for any item you bought? W
