Cigna

Frustrated With Your Insurance; Get Help With Plan Research Before You Buy!

Buying without research will get you a bad plan and lots of frustration.

I Just Bought A Plan I Could Afford!

I have had several conversations in the last few weeks with clients of other agents or purchasers of health insurance plans that dealt directly with the carrier that needed help.  In each instance the person lamented that they purchased a health plan based on the price and they didn't take much time to consider other important items in the plan like physician networks, deductibles, or co-pays.

Avoiding Health Insurance Pitfalls - 5 Simple Steps to Get Your Insurance Claim Paid

 

While many clients and friends have now signed up for coverage for 2015 many more are still dealing with the idea that their Blue Cross or Aetna coverage was terminated and they haven't found replacement coverage.  We can help you review the universe of health insurance options and determine which plans would be best for your family.  Contact Us today for quotes and analysis.

For years, Texas Health Design has educated clients to ensure that when they need coverage, they know exactly what to expect and what steps to take to ensure that they don't run into problems getting claims paid.  We often hear from new clients that their past experiences with health insurance companies have been terrible and we feel strongly that many of their issues result from a lack of understanding of their specific policy and a broader knowledge of "how things work" with insurance.  After working with insurance companies for more than a decade, we've seen random, crazy, and illogical denials, but more often, we see issues where clients fail to take simple steps to avoid problems.  The goal of this brief post is to ensure that we know basic steps to get the most out of our coverage.

5 Secrets You Need To Know During Open Enrollment

5 Secrets For Open Enrollment

 

You may have missed the deadline to sign up for health insurance coverage that will begin 1/1/2015, but all is not lost.  There still may be an opportunity for you to add coverage in the next few days as there are special circumstances that will permit you to buy coverage if you meet several criteria.  We wanted to highlight a few key "secrets" we've seen this year that you need to know that may help you get coverage or at least avoid trouble in 2015.

5 Reasons To Use An Expert Health Insurance Agent (Texas Health Design)

 

I think all of us fall into the trap of believing that every product or service can be commoditized and packaged into an easy to understand, easy to purchase widget where price is the only consideration.  The internet has been wonderful in the sense that we can now easily compare prices and read reviews and buy from the comfort of our living room while watching television and taking a phone call.  Unfortunately, we've seen in the last several weeks several instances that have reminded us that easy price searches are not enough and health insurance is not a commodity.  Health insurance shoppers need better tools to examine plan choices and must be able to rely on an expert source to answer specific questions that apply to their situation.  The reality is that our busy lives don't have room for carving out hours to research health plans on our own or determining whether a doctor is in one network or another.  When we do take time to shop for health coverage during this open enrollment period, insurance shoppers want to ensure they get quick responses, comprehensive information, and answers to specific personal questions.

5 Obamacare Surprises Coming in 2015

The end of the year is typically marked by trying to close business deals and get holiday preparations complete.  The last thing we want is a few suprises to interupt our plans or cause us to get distracted.  November 15th will bring the beginning of this year's Open Enrollment and all of Texas Health Design's existing clients will receive new quotes that provide a snapshot of all the plans and companies available for the coming year.  As we've begun our preparations to serve our clients we wanted to bring your attention to a few suprises that are in store for health insurance shoppers for the coming 2015 plan year.