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Health Care Coverage Options: Let us assist with your choices!
For Life's ball game.
Even minor illnesses and injuries can cost thousands of dollars to diagnose and treat. Serious illnesses can be financially devastating. Having adequate health care coverage not only helps ensure that youýll get the care you need, but also helps protect you and your family from large financial losses in the event of an illness or injury.
Understanding how health coverage works and finding a health plan that meets your needs at a reasonable price can be difficult and frustrating. This publication provides general information about the kinds of health care coverage available in Texas. It can help you evaluate different health plans, ask the right questions, avoid common mistakes, and know what to do if you have a problem with your coverage
Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
Shopping for Coverage
When considering a health plan, be sure you understand the full extent of the coverage that is included.
If you have more than one option, choose the one with the highest level of coverage you can afford. The higher a plan's deductibles, copays, and coinsurance, the more you can usually save on premiums. However, you'll also have to pay more out of pocket for claims.
Consider factors other than cost. A carrier's financial rating and history of consumer complaints are other important considerations. Also make sure your carrier is licensed by TDI. It is illegal to sell unlicensed health coverage in Texas. Guaranty associations play the claims of licensed carriers that become insolvent. If your company is not licensed, your claims could go unpaid. You can learn a company's financial rating from an independent rating organization, its complaints history, and its license status by calling TDI's Consumer Help Line or by visiting our website
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For an instant online health insurance quote for you or your family, please fill out our online form.
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CHRISTCO INVESTMENTS & ASSOCIATES
P. O. BOX 218056 | HOUSTON, TX 77218-8056
Local Phone 281) 493-4089
Toll Free 866-863-4835
Fax (281) 493-9838
Local Address 3523 Hornbeam Drive
Houston, TX 77082 |
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This web site may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting or tax advice. You may wish to consult a competent attorney, tax advisor, or accountant.
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