A Helping Hand in Health Insurance Policy
Are you in need of health insurance, yet overwhelmed by the many plan options available to you? You may also be concerned about choosing the most affordable, best-suited policy for you and your family’s needs. At DFW Direct Insurance, we serve patients in Irving, Plano, Lewisville and Fort Worth, Houston and the rest of Texas with all of their insurance needs. We know that when it comes to health insurance, your goal is to find a policy that keeps your family health and happy without breaking the bank. We can help you find a plan with a major insurance company, such as Humana, United Healthcare or Aetna. We also offer policies through wholesale direct insurance companies, such as Philadelphia American. Like healthcare, health insurance is never a one-size-fits all situation. Contact DFW Direct Insurance today to begin exploring your health insurance options with a professional, caring agent.
Up-to-Date with Health Insurance Developments
In recent years, the entire landscape of health insurance has shifted. With the advent of the Affordable Healthcare Act, millions of Americans were given access to healthcare who were previously unable to receive it. For some families, the Affordable Care Act created some problems with their healthcare, causing changes in coverage, premiums, deductibles and more. More than ever, many of our clients have reevaluated their needs and their choices when it comes to health insurance.
Choosing an insurance plan on your own can be a daunting task. At DFW Direct Insurance, we are familiar with the fine print within different types of insurance plans and in the restrictions and benefits tied to each type of insurance provider. We are highly skilled in the use of Healthcare.gov, the portal to the Affordable Healthcare Act, and up-to-date on Texas health insurance policy. Let use help you choose a plan to keep your family healthy and happy.
Types of Health Insurance Plans
There are several types of general health insurance options. These vary primarily based upon which healthcare providers are covered in your plan, what type of procedures are covered, and what types of fees you will pay for care out of pocket. Common types of plans include:
- Health Maintenance Organization (HMO): With this type of health insurance plan, you are covered when you visit doctors and other providers within a certain healthcare network, usually close to the area where you reside. HMO plans commonly cover most preventive care and general wellness healthcare.
- Preferred Provider Organization (PPO): A PPO plan gives you more freedom to visit healthcare providers outside of your PPO network, while usually still providing some level of coverage. While you are rewarded with better coverage within your network, this plan is great to consider if you do not want to be restricted to certain areas or providers.
- Point of Service (POS): With this type of plan, again you receive more coverage when you see providers within a certain network. With a POS plan, keep in mind that you generally have to see your primary care provider before you can be referred to – and covered for – specialist visits.
Levels of Health Insurance Plans
In addition to choosing a company and type of healthcare plan, you may have the option to choose among levels of plans. A PPO health insurance policy with one insurance company may have a wildly different premium, copay and deductible than a PPO in the same area with a different company. At DFW Direct Insurance, we will narrow down types and levels of plans that meet your needs so that you can make an informed decision.
We are confident that we can find you a health insurance plan in Irving, Plano, Lewisville or Forth Worth that works for your family. Our certified agents truly care about helping you and your family live happy, healthy, financially stable lives. Contact us today for a complimentary quote.