Texas health insurance is provided through Childres Insurance Group, your experienced choice for receiving the most effective health insurance plan to precisely meet your needs in Texas. Taking the time to find the right plan for you and your group for Group Health Insurance in Texas, Childres Insurance Group works diligently to help you receive the coverage to meet your specific needs, including your budgetary requirements.
Not every medical care coverage plan is the same and it is important to utilize the experienced services of a reliable insurance firm in Texas with the extensive knowledge required to help you manage the details for discovering the health care plan that will match your requirements. Please give us a call today at (888) 491-6273 to enjoy the confidence you will be receiving the right medical care coverage for you and/or your employees.
Excellent employees are drawn to businesses which will provide them with comprehensive health insurance plans and employee downtime may even be lessened when they enjoy the confidence that they can easily take care of any potential health issues prior to those matters becoming more threatening. With excellent medical coverage, people are more likely to visit their physicians regularly and take care of issues before they worsen, as well as to receive the encouragement from their doctors to live more healthful lifestyles, in turn, increasing their potential productivity and reducing down-time so that your business operations continue to run smoothly as you work to grow your business.
However, in addition to ensuring that you are able to provide well for your employees, you also want to make sure that you are not paying extra for policies that include coverage that is outside of the plan requirements your individual situation demands. Contact Childres Insurance Group today to let us help you protect your health, the health of your employees and your pocketbook as well! There are many different types of health insurance plans and we will be happy to assist you in determining what type of coverage is right for you.
Additionally, we have provided many pages of information on our website in order to help you learn more about the different types of insurance available and to help you better understand the details of the definitions of varied insurance terms.
Types of Health Insurance Coverage
Below you will find a number of different types of health insurance coverage to help you in making an informed decision when choosing a health care plan.
Point of Service (POS) Plans
The POS plan is a hybrid of the HMO and PPO. Like a standard HMO, your primary care doctors make referrals to other providers within the plan. But if you want to go to a physician outside the network without consulting your primary care doctor, the POS plan will pay a predetermined amount of the bill and your share of the bill will be higher than it would if you stay in-network. These plans usually cost more in monthly premiums than straight HMOs, but they give you the flexibility to call any doctor - whether that doctor is in the specific healthcare plan or not.
Managed Care Insurance
The term "Managed Care Insurance" refers to types of health insurance plans that provide health care services at a lower cost. The key to these lower costs? Members of managed care plans must adhere to certain rules designed to lower the cost of medical care.
Types of Managed Care Insurance Health Maintenance Organizations (or HMOs)
With an HMO, you receive a range of health benefits for a set fee. Generally, there are no deductibles - but most plans require a small copay per office visit (around $10-25). You must choose a primary care physician from the plan's list. This doctor becomes your "gatekeeper" for all your medical needs. This is the doctor you call or see when you are sick. He or she will refer you to a medical specialist or another of the providers within the HMO network. With most HMOs you will not receive benefits if you go out-of-network, except for emergency care.
Types of HMOs
A form of HMO in which doctors are employees of the HMO and you see them at a central medical facility.
With an IPA, an HMO contracts with outside physician groups or individual doctors who have private practices. This means the HMO network will include doctors in various locations rather than only at a central facility.
Managed Care Insurance Preferred Provider Organization (PPO)
This isn't an HMO, but is another type of managed care. Within the PPO system, you may seek treatment from an approved network of providers, or may see other providers outside the network. Usually, you will pay a small copay and satisfy a deductible before benefits are paid. Then you'll pay a set coinsurance amount. It's less expensive to visit one of the providers in the PPO plan's list. You can go outside the plan's list, but your share of the bill will be higher.
Fee-for-Service (or Indemnity) Insurance Plans
With this traditional plan, you can make an appointment with almost any medical provider. After your visit, you or your provider sends your claim to the insurance company. If you have met your deductible for the year, then the Fee-for-Service plan will pay a percentage of the bill - usually 80%. You pay for the other 20%, known as coinsurance. Few purchase this traditional type of plan. Why? Because it's expensive.
At Childres Insurance Group you will always receive friendly, professional service you can rely on for choosing health insurance coverage or other types of insurance coverage such as long-term care insurance, medicare supplement plans, disability insurance plans, dental insurance coverage, life insurance, critical care insurance, individual and family health insurance. We also provide services such as mortgage protection plans and annuities.
Please call (888) 491-6273 to speak to one of our friendly insurance professionals in Texas today. Thank you for visiting our Houston Insurance Company website and we look forward to assisting you soon!
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