Texas Health Insurance

Did you know about Wal-Mart’s low cost prescription Plan?

November 3, 2009 – 3:54 am
I just saw a commercial while watching Monday Night Football about Wal-Mart's low cost prescription plan that you allows you to get many generics at a 90 day supply for only a $10 copay and free shipping to your home address--pretty cool!  You can visit www.walmart.com/pharmacy and see a list of prescriptions that are covered under this plan.  I personally knew that Wal-Mart had a large list of $4 copay medications but this one was new to me.  You can access this plan with Wal-Mart without health insurance by going to their site and filling out the form.  Hopefully someone learns something from this blog they did not know and if you like the information pass it onto to a friend or family member. Thanks for reading and be well! To learn more about health insurance, visit http://www.texashealthandlife.com.

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Do you have UNICARE Health, Dental, or Life Insurance in Texas?

October 28, 2009 – 4:45 pm
Breaking News!!--Are you a UNICARE Health Insurance customer in Texas?  UNICARE has decided to pull out of the state of Texas and will no longer write group or individual health, dental, or life insurance effective immediately.  UNICARE has a transition plan for the customers to a similar plan with Blue Cross Blue Shield of Texas.  Customers of UNICARE should start to receive letters from UNICARE in the very near future of this change.  What if you do not want the Blue Cross plan UNICARE is going to offer?  You can stay on your current UNICARE plan until June 2010 and then you have to choose another plan or go with Blue Cross.  We have posted the letter that was sent to us below from UNICARE and there are numbers you can call with questions but we know their phone are going to be flooded with calls and we recommend you ...

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Too Small For Insurance

October 22, 2009 – 8:02 pm
Embattled health insurance companies are taking a page from Goldlilocks. Last week, a 4-month-old child was denied insurance for being too heavy (the company has since changed its mind). Now the Web is buzzing about a toddler who was denied coverage for being too small. On Wednesday morning, "The Today Show" covered the story of 2-year-old Aislin Bates. Though she weighs just 22 pounds (in the third percentile range for kids her age), her doctor has described her as being perfectly healthy, never having been sick with anything more than a cold. Still, United HealthCare didn't buy it, saying that the child didn't meet height and weight standards. So, no insurance for Aislin. The story has inspired a slew of searches. After the segment aired on NBC, queries on young Aislin surged from zilch into triple digits. United HealthCare is wisely responding to what could be a PR crisis. In an article from Denver's ABC affiliate, ...

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Pregnant? Uninsured?

October 22, 2009 – 6:36 pm
If you are planning to get pregnant in the near future, you need to check on your current policy and ask to add a maternity rider to your policy or change your policy to an insurance carrier that offers maternity coverage.  Currently, in the state of Texas, there are only two carriers that currently offer maternity coverage to be added to your individual policy. Maternity coverage can only be added before you become pregnant. Once you are pregnant, insurance carriers consider it a preexisting condition and will not allow you to purchase additional coverage.  In fact, while you are pregnant, you cannot switch from your current insurance carrier.  Insurance carriers will not insure you or you family while you are pregnant, but a few carriers will offer to cover children.  So before you plan a child, make sure your current individual plan offers maternity or otherwise find an insurance carrier ...

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2010 HSA Deductible Changes you need to know!

October 20, 2009 – 4:43 am
HSA's are quickly becoming the most preferred consumer-driven health plan.  Texas Health and Life loves HSA compatible plans because participants typically save on premium expenses and take greater control of their health-care spending, not to mention benefit from triple tax advantages.  Are you one of the many Americans that have a high deductible health insurance plan?  Do you have a Healthcare Savings Account that you taking advantage of with that plan?  You need to see the upcoming changes below to make sure you are getting the most out of your health insurance and your HSA. IRS 2010 maximum contribution levels: $3050 for individual and $6150 for a family Thanks for reading and be well! To learn more about health insurance, visit http://www.texashealthandlife.com.

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What is a pre-existing condition?

October 8, 2009 – 4:04 pm
Texas Health and Life talks a lot of customers that want to know what a pre-existing condition is considered when it comes to health insurance.  A pre-existing condition is any physical or mental illness or injury for which a member has received medical advice, diagnosis, care or treatment during the six-month period immediately preceding the member's effective date.  Most health insurance companies will not provide coverage for the treatment of pre-existing conditions for the first 12 months following the date of coverage unless the applicant has prior medical coverage that reduces or eliminates the exclusion period under applicable law.  We work with all of the major Texas health insurance carriers and help you determine which carrier will best cover your condition.  If you are looking for coverage and are unsure about having coverage for a pre-existing condition give us a call or shoot us an email. Thanks for reading and be ...

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Does your Insurance cover the H1N1 vaccine?

October 8, 2009 – 3:37 am
Are you concerned about the contracting the H1N1 virus or do you know someone that has already?  Would like to get the vaccine for either yourself or someone in your family but not sure if it is covered on your health insurance.  Most group health insurance plans are covering the H1N1 vaccine with no copays, deductibles or coinsurance fees.  Most individual health insurance plans are covering the H1N1 vaccine under an office copay if your plan has office copays.  Be sure to call the 800 number on the back of your health insurance company ID cards though before you go to the doctor to get your H1N1 vaccine so that you will know for sure how it is covered by your health plan. Thanks for reading and be well! To learn more about health insurance, visit http://www.texashealthandlife.com.

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Short Term Health Insurance, Medicare, and Seniors

October 4, 2009 – 8:28 pm
What do these 3 terms have in common you ask?-A lot!  We talk to seniors every week at Texas Health & Life that are in a dilemma on what to do about health insurance coverage about a year before they become Medicare eligible.  In lots of cases with senior couples they are currently on former employer's health insurance plans and one spouse is eligible for Medicare when the other is not--what do you do in this situation?  We recommend that the spouse that needs coverage for a year or so before Medicare gets onto a short term health insurance plan if they are looking to save money and not worried about pre-existing conditions.  If they need coverage for pre-existing conditions we work with several carriers that will cover the spouse and the conditions at an increased rate.  In most cases we are able to find a much more afforable health insurance for any ...

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Short Term Insurance–when you need it?

October 4, 2009 – 7:35 pm
Are you between jobs and without health insurance, just graduated college and off of your parents health insurance plan, or are you just looking for more affordable health insurance coverage?  Texas Health & Life works with some of the top carriers for short term health insurance in Texas.  Short-term health insurance is really not full blown health insurance with office co-pays and prescription co-pays but it does offer you very affordable health insurance coverage to help you bridge the gaps between your permanent insurance coverage.  Some carriers we work with even allow individuals to buy coverage to up 12 months.  Give us a call or shoot us an email to see if short term health insurance is right for you!  Using Texas Health & Life as your agent does not cost you anything extra than going straight to the carrier to purchase this type of health insurance coverage.  In most cases if you can qualify medically by answering NO to ...

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Healthcare Reform–what do you know?

October 3, 2009 – 7:29 pm
Texas Health and Life wants our customers and potential customers to be informed about the changes that being proposed to our current healthcare system.  Does something need to happen to make healthcare and health insurance more affrodable--YES! but we must be careful and knowledgable on what we are being offered.  We found an excellent site that offers up to date news on what is happening with healthcare reform www.heatlhcareexchange.com .  This site even has prepared form letters that allows you to send to your congressman and senators on your position with healthcare reform. Knowledge is Power and we hope that you enjoy the site! You can also keep up date with healthcare reform by visiting our Facebook page Texas Health & Life by clicking on the link on our homepage at www.texashealthandlife.com Take care and Be well!

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