Houston Health Insurance

Houston, TX Health Insurance - Family or Individual

(HMO, PPO, POS or Major Medical Coverage)

Individual or family health insurance can provide the important
protection needed in the event of illness and for regular preventive
care. Using the strength and experience of proven health insurance
markets, Houston, TX insurance agents can offer affordable HMO,
PPO, POS, and Major Medical Health Insurance policy coverages
throughout the Houston area.

Health insurance plans that allow you the most choices in doctors
and hospitals also tend to cost more than plans that limit choices.
Individual and family health insurance plans that help to manage the
care you receive, such as PPO and POS plans, usually cost you
less, but you must give up some freedom of choice.

Learn more about HMO, PPO, and POS managed health care
insurance policies we offer throughout the Houston, TX area by
clicking on a link below or click on the link for information on Major
Medical health insurance.

Click on the link below to fill out a secure quote request form for a
Houston, TX area Health Insurance policy that will provide
comprehensive health insurance coverage at an affordable cost.
An insurance agent in the Houston, Texas area will contact you.

Click here to fill out a

Houston, TX Area Health Insurance

policy quote request form

Local Houston, Texas area insurance agents offering affordable health insurance
policies in the following cities and counties: Pasadena, Deer Park, Pearland, Galena
Park, Jacinto City, La Porte, Bellaire, West University Place, North Houston,
Cloverleaf, Beaumont Place, Spring Valley, South Houston, Hilshire Village, Humble,
Houmont Park, Friendswood, League City, Alvin, Mission Bend, Sugar Land, Stafford,
Missouri City, Texas City, Webster, Dickinson, Baytown, Channelview, Highlands,
Seabrook, Bacliff, La Marque, Jersey Village, Town West, Westfield, Kingwood,
Spring, The Woodlands, Liberty, Conroe, Tomball, Hempstead, Galveston, Crystal
Beach, Lake Jackson, Algoa, Santa Fe, Juliff, Arcola, Needville, Katy, Dayton,
Angleton, Beaumont, Port Arthur, Bammel, Kohrville, Manvel, Bay City, Beasley,
Rosenberg, Richmond, Orchard, Fulshear, Brenham, Addicks, Brookshire, San
Felipe, Hockley, Prairie View, New Caney, Beach City, Nassau Bay, Harris County,
Fort Bend County, Brazoria County, Galveston County, Montgomery County, and
Liberty County, TX.

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Personal Insurance

**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.

HMO Health Insurance Policy Features - Houston, TX

* Preventive care emphasis

* Primary care physician (PCP) coordinates your total care

* Must get a referral from your PCP to visit a specialist

* Fixed monthly fee

HMO Health Insurance Policy Overview - Houston, TX

Subscribers to an HMO receive medical services from
participating physicians, clinics and hospitals. You choose a
primary care physician (PCP) from a list of participating doctors in
the Houston, TX area. That doctor is used for typical
circumstances such as annual exams and usual health issues. If
you need to see a specialist, be hospitalized, or have lab or X-ray
work, your doctor will refer you to a provider or facility within the
HMO system. Your doctor must give authorization for those
services to be covered by your HMO. In other words, you must
see HMO approved physicians and use HMO approved facilities
or pay the entire cost of the visit yourself.

Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care
providers and give their policyholders a financial incentive to stay
within that network.

You may have to pay some portion of the cost (co-payment) for
each office or hospital visit, such as $20 - $30 per doctor visit,
regardless of what the services cost. Also, some services such
as emergency room, mental health and chemical dependency
services, may carry additional costs in a Texas HMO health
maintenance plan.

Click on the link below to fill out a secure quote request form for a
Houston, TX area HMO Health Insurance policy that will provide
comprehensive health insurance coverage at an affordable cost.
An insurance agent in the Houston, TX area will contact you.

PPO Health Insurance Policy Features - Houston, TX

* Convenient access to quality health care

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

* Pay for services as they are provided

PPO Health Insurance Policy Overview - Houston, TX

You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.

You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Texas PPO health insurance plan.

Click on the link below to fill out a secure quote request form for a
Houston, TX area family or individual PPO Health Insurance policy that will
provide comprehensive health insurance coverage at an affordable cost.
An insurance agent in the Houston, Texas area will contact you.

POS Health Insurance Policy Features - Houston, TX

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Health Insurance Policy Overview - Houston, TX

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan
lets you see any licensed health care professional for anything covered by
the insurance. Care you receive from out-of-plan health care professionals
is reimbursed, but you must pay an often times much higher co-payment
or deductible amount. While you may choose to see a physician outside
the network, if you don't receive permission from your (PCP) primary care
physician, you're likely to end up submitting the bills yourself and receiving
only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in
which you and the insurance company share the cost for services covered
by the policy.

Also, some services such as emergency room, mental health and
chemical dependency services, may carry additional costs in a Texas
POS health insurance plan.

Click on the link below to fill out a secure quote request form for a
Houston, TX area family or individual POS Health Insurance policy that
will provide comprehensive health insurance coverage at an affordable
cost. An insurance agent in the Houston, TX area will contact you.

Fee-for-Service or Major Medical Health Insurance Policy

(Family or Individual in the Houston, TX area)

Major medical health insurance provides benefits up to a high limit for
most types of medical expenses incurred, subject to a deductible. Once
you meet the deductible, a Houston, TX area Major Medical Insurance
plans pay a percentage of what is considered the "Usual and
Customary" charge for covered services. The insurance company
generally pays 80% of the Usual and Customary costs and you pay the
other 20%, which is known as co-insurance. If the insurance company
charges more than the Usual and Customary rates, you will need to pay
both the co-insurance and the difference.

With Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible
such as $250 or more to pay each year before the insurer starts paying.
The plan will pay for charges such as medical tests and prescriptions as
well as from doctors and hospitals.

Major medical insurance coverages offer more choice of doctors
(including specialists, such as cardiologists and surgeons), hospitals,
and other health care providers than managed care plans, such as
HMO, PPO, and POS. Major Medical Insurance may not pay for some
preventive care, such as check-ups, and is usually a more expensive
health insurance coverage than utilizing a Texas HMO, PPO, or POS
plan.

Click on the link below to fill out a secure quote request form for a
Houston, TX area Major Medical Health Insurance policy that will provide
comprehensive health insurance coverage at an affordable cost. An
insurance agent in the Houston, TX area will contact you.

Learn more about the other types of Texas Individual or Family Health
Insurance polices we offer in the Houston, TX area by clicking on a link
below!

Major Medical Insurance Policy

HMO Health Insurance Policy

PPO Health Insurance Policy

POS Health Insurance Policy

Learn more about the other types of Texas Individual or Family Health
Insurance polices we offer in the Houston, TX area by clicking on a
link below!

Managed Health Care Plans:

PPO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Texas Individual or Family Health
Insurance polices we offer in the Houston, TX area by clicking on a link
below!