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Texas Health Insurance Quotes for Small Business

Getting a great plan is not hard if you do your searching for health insurance in Texas by visiting the right website and work with a good insurance agent.

From Houston to El Paso, Benepath has been working with local insurance agents throughout the state to provide a variety of quotes and quality coverage to consumers. Agents who work with Benepath represent all of the major insurance carriers including Blue Cross and Blue Shield of Texas, Humana, Aetna, UnitedHealthcare, CIGNA and the local HMO’s as well.

Texas small businesseses have been getting help at Benepath.com since 2006 as well. Many of these agents offer group health insurance as well as ancillary benefits like group dental, life and disability insurance. Many of these agents also provide retirement plans like 401(k)’s and Simple IRA’s.

Good luck in your search!

by Clelland Green

Posted on Tuesday, June 26th, 2012. Filed under Group Insurance, Health Insurance, Life Insurance.

HMO Health Insurance Quotes Can Be Misleading

What does everyone want with a health insurance plan?

  • Low copays
  • Lots of doctors and hospitals in the network
  • Extensive coverage

All at a low price.

On the surface, HMO’s can appear to be all of the above, but if you buy an HMO without looking at the details you could end up for a big surprise.

Many cheap HMO’s advertise the doctor’s office copay – the most widely used benefit in health insurance. But its when you end up in the emergency room or need surgery when you will be truly using your insurance benefits. And here is where you may end up with a problem.

Many HMO’s designed for individuals come with very high deductibles and coinsurance limits for those types of services. So everything is fine so long as all you need are a few prescriptions and to visit your doctor every once in a while, but then you end up owing $5,000 when you end up in the hospital.

So just be careful when you are selecting a plan and make sure you look at how much you might have to pay if you need expensive health care services.

Check out HMO Health Insurance Quotes at compare-health-insurance.com.

Posted on Thursday, June 21st, 2012. Filed under Health Insurance.

Finding Affordable Health Insurance

Whether you are seeking affordable health insurance coverage for yourself, your family or for your business, Benepath will gives you instant quotes for affordable health insurance coverage from the top health insurance providers. In just a few moments, you will see affordable health insurance plans including PPO plans, HSA plans and HMO plans. Furthermore, the Benepath website will permit users to view a comparison of the various health insurance quotes which have been sourced from the top health insurance providers in the country. This will ensure that you gain the assurance that their selected affordable health insurance coverage offers the best value for the money and is able to take care of their family’s or their staff’s health needs.

Comparing the benefits which are offered by a number of health insurance options is a wise move and thanks to the straightforward website of Benepath, you will be able to do just that – get the most affordable health insurance plan which is best suited to your particular needs

When looking for health insurance coverage, it is recommended that you select a local health insurance agent that has a good knowledge of the local insurance companies and their networks of doctors, pharmacies, and hospitals. A good agent can really help you avoid the “gotcha” too many people face when buying a plan without the help of an experienced agent.

Benepath has helped over 100,000 consumers who were seeking good value for their money find health insurance coverage that was able to meet their family’s healthcare needs. At Benepath you will receive quotations for affordable health insurance coverage from local insurance providers without any obligation. Feel free to visit the Benepath website at https://www.benepath.com and get no-cost, no-obligation, affordable health insurance quotes from many well-known health insurance providers.

Posted on Tuesday, May 25th, 2010. Filed under Health Insurance.

Considering an HMO for Your Health Insurance Plan?

Because HMOs use physician and hospital networks with the least expensive providers possible these health insurance plans are able to provide you with benefits most people like such as low copayments for office visits.

The downside is that when you see health care providers outside of the network, you will end up paying much more if not all of the cost of the care because HMOs offer limited or no benefits for out of network care except in the case of an emergency. This is why many people who have serious medical conditions do not join these plans.

The managed health care plans that allow you greater flexibility are the HMO Point of Service (POS) and the Preferred Provider Organization (PPO) insurance programs. These plans will cover some or all of the medical services that you need with health care providers who are not part of the network. But check all the policy provisions and make sure that they will cover the type of service you are receiving and with the physician of your choice.

When you start comparing different health insurance quotes for yourself, your family or your business you will likely find that the deductible and other out of pocket benefits for these plans are quite a bit higher than a plan without copayments for office visits for the same price.

So, you need to consider why you are buying health insurance in the first place. Is it to:

Have the convenience of a low copayment when you visit a doctor? or
To protect you from the costs associated with a serious medical emergency?
The smart money always buys insurance for things that need insurance. In the case of health care, that is protecting against catastrophic loss. But most people complain about how much money they spend on health insurance and how little they get in return. So they end up buying HMO and PPO plans and hope they don’t get really sick. A decision like that can be one you end up regretting.

Posted on Thursday, May 20th, 2010. Filed under Health Insurance.

Who Do You Trust for Health Insurance Quotes?

In an altruistic world, where service truly is the focus of the provider and especially those selling their services, you might expect the answer to the question, “Who can you trust?” to be anyone in the health care industry. Health insurance is there to provide services for people who are insuring the health, wealth, and happiness of themselves and their loved ones so that you would hope that the business offering the health insurance quotes would have your best interests at heart.

Unfortunately, carpet baggers and snake oil pushers are still prevalent in today’s society and its critical to avoid health insurance scam artists. While the cost and benefits of policies from well known and respected companies are highly regulated; there are companies selling everything from health plans with little to no insurance or plain old discount plans to consumers as full blown health insurance plans. Recently, the New York Times reported on companies using health reform to further defraud consumers.

Some web sites offer online health insurance quotes and preferred package opportunities that are only scams to collect your email address which they sell to as many spam lists as they can. Another down side of choosing health insurance quotes that appear low and seem highly affordable is the possibility that when you need coverage you find out that everything is so limited that you basically have no coverage.

So which health insurance quotes provider can you trust? Those from well established websites like Benepath who provide the best prices available, the same prices that you can get directly from the carriers themselves, and the ability to compare the top companies’ packages with HMO, PPO, and HSA quotes. Health Insurance websites like Benepath have lots of plans from top carriers to review and Benepath partners with local agents across the country to provide you with those quotes.

You can trust a company that encourages you to choose only the medical insurance quotes with the health services that you need, rather than an inflated package that expands either the practitioner’s or the carrier’s pocket by giving you unnecessary benefits and coverage. Sites that allow you to compare health insurance quotes from reputable carriers like Aetna, Anthem, Blue Cross, and UnitedHealthcare who are financially strong and will be around to assist you in your hour of need are where you should invest your time.

Companies like Benepath work with local insurance agents and help you select the right health insurance quotes from the nations’ top carriers. Benepath gives you the ability to do online comparisons, they connect you with local agents with expertise who will help you choose the right plan, and then give you the opportunity to apply online and not wait any longer to get the coverage that your family deserves. Getting health insurance quotes takes only seconds online with no obligation and no hard sell follow up.

Posted on Wednesday, May 19th, 2010. Filed under Health Insurance.
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