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Top 5 Things to know |
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Texas Health Insurance
What you should know
- Seek the assistance of a company appointed Agent! Contrary to popular belief, you don't pay an insurance agent anything
more than what your monthly premium would be and it does not cost you anything more on your policy premiums. The terminology "insurance agent" is not the same thing as "reality agent". Your reality agent gets a % of the sell of your home. Your insurance agent is appointed and paid a
commission fee by the insurance carrier to take care of you. Insurance companies prefer working with agents because of established
training and requirement protocols. Some agents such as myself are electronically hooked up to underwriters to process cases more efficiently. We know what is expected and meet the various requirements
of Texas health insurance.
- Know the
health conditions of
you and your family
members. If
there are many
health conditions of
a serious nature
than the more
important it is to
get geared towards
making a case to
insure you with an
underwriter. The
more medical
information you
gather such as
medical records,
current prognosis,
current medications,
planned treatments,
pending procedures,
etc, will greatly
aid you in approving
favorable rates if
you fall into what
underwriters call
"high risk"
category. We lay out
a complete medical
snap shot of your
medical demographics
to an underwriter.
The more homework
done the better an
underwriter feels
about releasing
approval!
- If you are a
single employee of a
corporation or self
employed. Consider
taking advantage of
HSA accounts and
Cafeteria plans.
These are deeper
discounts (not in
premium rates) with
tax savings that we
can offer at
reasonable fees for
residents seeking
health insurance in
Texas.
- If you have a
complex medical
history then ask us
to help you apply
with a minimum of
two insurance
companies at the
same time. This is a
highly effective
method to encourage
market competition
for your case. It
only takes a matter
of minutes to
complete a 2nd
application and it
can save you money.
- Do not cancel
any existing
coverage until the
insurance company
you are applying
with has approved
you officially. Once
approved please
don't forget to
cancel your existing
policy. We are not
permitted to cancel
your existing plan.
We can assist you in
placing the
effective date near
or at your other
policy's termination
date so that you
don't go without
coverage. You do not
want to let your
coverage show a
lapse of greater
than 63 days because
this will cause you
to have a full
12-month
pre-existing clause.
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