According to the U.S. Census Bureau, Texas leads the nation in the number of people without a health benefit plan. Although almost one in five Americans are uninsured, it is estimated that one in three Texans is uninsured. The Texas Medical Association reports, “More than 5.5 million Texans – including 1.4 million children – lack a health benefit plan”
In a report issued by the Texas Comptroller of Public Accounts, “The uninsured are a diverse group that includes people who cannot afford a private health benefit plan; who work in small businesses that do not offer insurance; who simply choose not to purchase health benefit plans, even though they can afford it; who are eligible – but not enrolled – in government-sponsored programs such as Medicaid or the Children’s Health Insurance Plan (CHIP); and recent immigrants.” The Comptroller also noted that Texans are less likely than other Americans to receive health benefit plan benefits from their employers.
The most notable omission from these reports is that it’s often difficult for people to navigate the choices involved in obtaining Texas medical insurance. There is a myriad of choices and decisions to be made. Should I get individual or family coverage? Should I go with a health maintenance organization (HMO), preferred provider organization (PPO), or another type of plan? What kind of deductible should I choose?
The task of finding Texas health benefit plans are even more daunting because, as you go from one health benefit plan company to another, you find that each offers a different set of options. As a result, it’s difficult to compare the proverbial apples to apples.
Most people don’t realize that a full-service Texas-based health benefits agency can help everyone from individuals and families to small business owners and Medicare recipients understand the options that are available to them to obtain insurance. Even better, such agencies offer their services and support free of charge. This is because they are compensated by the insurance companies rather than by the insured. Therefore, you can reap the benefits of their unbiased expertise at no charge.
Best of all, some of these agencies have implemented easy-to-use online systems that allow you to obtain quotes, compare Texas health benefit plans, and even apply online – all from the comfort of your own home. You can peruse health benefit plans, life insurance plans, dental plans, and Medicare supplemental insurance plans all in one place.
To obtain quotes for health benefit plans, for example, you simply need to enter your contact information into an online form, and then provide some basic information about you and any other family members you wish to insure. The system will then generate quotes from a variety of companies, which you can compare side-by-side. You can sort the results by several factors, including the health benefit plan company, the plan type, the deductible, the co-pay, and the estimated premium. Once you decide which plan you prefer, you can apply online.
Every day, health benefit agencies are providing a growing number of people with affordable Texas medical insurance. In turn, those who obtain a health benefit plan rest easier knowing that they and their families are protected.