Texas Health Insurance Company
Here is a list of health insurance companies that are licensed to sell health insurance in the state of Texas* (some sell individual health insurance only, some group health insurance only, and many sell both individual health and group health):
(If you would like to view personalized Texas health insurance quotes from 5 or more of these companies side by side to compare then simply take 20 seconds to request free Texas health insurance quotes).
:: Blue Cross Blue Shield of Texas
:: Aetna Health Insurance Company of Texas
:: UniCare Health Insurance Company of Texas
:: Assurant Health Insurance Company of Texas
:: Humana Health Insurance Company of Texas
:: CIGNA Health Insurance Company of Texas
:: Golden Rule Health Insurance Company of Texas
:: Time Insurance Company of Texas
:: Celtic Insurance Company of Texas
* Please note that this list is not exhaustive and some health insurance companies have entered and left the TX health insurance market – no warranty is made as to the accuracy of this list.
In order to verify that a particular company has coverage in your area please request up to date quotes with our free Texas insurance quote finder at the top of the page or on our home page.
Compare multiple health insurance companies side by side - get started saving money on Texas health insurance now!
Finding a Texas health insurance company may seem difficult, but the Internet provides you with a great advantage: tools for comparison! Our site will walk you through the basics of a TX health insurance policy as well as list some companies available in Texas to purchase medical insurance through. Further, we will offer a few suggestions to save money on your policy with a Texas health insurance company.
Texas Health Insurance Company:
Basics Of Coverage
There are two basic types of coverage. The first is called a fee-for-service coverage, or commonly referred to as traditional indemnity coverage. With this type of coverage, you are able to go to any physician that you choose. You will be responsible for a monthly premium, as well as potentially a deductible and coinsurance. Further, you are usually required to pay at the time of service and file for reimbursement with your company later.
The next type of coverage is called managed care. This includes the following:
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Preferred Provider Organization (PPO): This is a network of specific providers that have agreed to negotiate rates through the insurance company. By using the network of providers, you will have higher co-insurance coverage. However, you have the option to go out of network but must pay a higher percentage.
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Health Maintenance Organization (HMO): This type assigns a primary care physician and requires a referral to go see another specialist. With this coverage, you pay a set monthly fee rather than co-payments. However, if you see another physician without a referral you risk it not being covered.
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Point of Service plan (POS): Point of service is typically combined with the HMO plan. In this plan, you are assigned a primary care physician and pay a monthly fee, but at the time of service you have the option to see someone out of network. As always, if you go out of network you will typically pay higher coinsurance.
Shopping For A Texas Health
Insurance Company
Before purchasing a Texas health insurance policy, make sure to match your needs with the coverage you are choosing. For example, if you know you will need at least one prescription a month, are the prescription drug benefits offered comprehensive enough? Or if you know that you will need maternity insurance, do you need to purchase supplemental insurance to be covered?
Make sure that your premium makes sense. If it is a low monthly premium, but your deductible is high, how much can you afford out-of-pocket for insurance costs? Further, take some time to compare different companies to make certain you are getting the best coverage for the best price. Here are some factors that affect the price of health insurance that can help you benchmark.
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Coverage: Are you carrying minimum coverage, or do you have the whole package? Obviously a policy that covers a broad range of occurrences will cost more.
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Age: The younger you are, the healthier it is assumed that you are.
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Geography: Different locations yield different medical costs.
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Deductibles: A higher deductible will result in a lower monthly premium.
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Previous health insurance claims: If you show a history of using your health insurance, it is likely to assume you will continue to use it, thus your premium will be higher.
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Spouse/children: Adding others on to your insurance (as well as their personal history) will increase your premium.
Top Texas Health Insurance Companies
Now that you understand the basics of insurance and what to look for in a policy, it is time to start considering which company to choose. Here are a few top companies that operate and offer health insurance in Texas:
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Blue Cross and Blue Shield of Texas
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Humana
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Aetna
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Golden Rule
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Celtic Insurance
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UniCare
When deciding on a company, always remember to consider the cost as well as the product. In Texas, make sure your health insurance company is licensed by the TDI to guarantee your claims will be paid. Further, if you are unsatisfied with your company, you have 10 days to cancel and receive a refund mandated by state law.
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Companies Today!
Start your search for a better Texas health insurance company now! Use our free quote tool on this page to begin finding the Texas health insurance you deserve.