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Buyer’s Guide

Our Promise

We promise to help in such a way that you have no doubt we only have your best interest in mind.

We will come to understand your situation and preferences and educate you on options and help you compare “apples-to-apples” between the major providers.

We’ll work on your time frame and will support you for the life of your policy and not just through the selection & application.

Testimonials

How easy can it get? I entered my information, got pricing, compared plans side-by-side, printed them out, selected a Austin health insurance plan, and applied on-line. I got a call from Texas Health & Life with an assigned support person I can call if I need any help while I have this plan. We're planning to review options after the first year. Piece of cake!

- Melinda, Austin, TX

I was worried about making a bad decision on Austin health insurance for the family. Within a 10 minute phone conversation, Richard helped educate me on my best options and sent me a side-by-side proposal on the best 4 plans from different companies. I really appreciated his approach. I absolutely recommend you call. I'm sure you'll be happy with their help.

- Russ, Cedar Park, TX

I wanted to offer health insurance to my employees and contacted Texas Health & Life. They walked me through the whole process - requirements, overview of plan types & benefits, price comparisons, and then helped with the application process. We were set up with Austin health insurance within 2 weeks.

- David, HotSchedules, Austin, TX

I needed a term life insurance policy with a large face value for a business loan. I had received quotes from a financial planner I had been working with and then ran quotes on Texas Health & Life. I ended up saving about $1,500 a year with a policy they helped me apply for. Use these guys. They're good!

- Joel, Dallas, TX

I ran a quote on Texashealthandlife.com and there were so many options my head spun. A few minutes later, one of the agents from Texas Health & Life called me and helped me feel comfortable in selecting the best Austin health insurance plan. I have since referred them to several friends and family.

- Dina, Sugar Land, TX

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Finding An Affordable Texas Health Insurance Plan

With so many health care options available, one now has the luxury of shopping around for an affordable health insurance plan. If you want to pay less for your health insurance, here are a few tips to help you find an affordale health insurance plan.

Research your options

As mentioned earlier, there are so many options available that you can go online and start researching the various health insurance options available. Simply type in “Houston health insurance” (if you are a resident of Houston) and the search engine will bring up a list of health insurance providers located in Houston. Spend some time looking through all the options available, and then shortlist the ones that fit in your budget.

No frills attached

Only pay for facilities you need, if you are not planning on having any children for some time to come, don’t pay for maternity insurance, you can start paying for it when you are planning on having children. In essence, do not pay for features and facilities you will not use or do not require. It is important to asses your health risks. If you are in excellent health then you can remove facilities like critical care from your health insurance. Removing facilities like critical care is a little risky, but you can make considerable savings by removing facilities you are highly unlikely to use.

HMOs (Health Maintenance Organizations)

A HMOs health insurance plan gives you access to hospitals and physicians that are part of a nationwide network. HMOs are the most affordable health insurance plans available; if you are comfortable consulting a physician other than your own and the health insurance covers a hospital nearby, then choosing a HMOs health insurance plan is the best option.

Harness the power of the internet

Health insurance agents usually do not charge any fees (unless they are fee-based consultants) but some insurance companies may charge an application fee for a submitted paper application that they might not charge if you complete an online application. Many health insurance providers allow people to file claims online, and there are online health insurance agents that will help you with the claims.

Compromise is the key

Remember, you are not trying to save money on the occasional visit to the local clinic. The purpose of health care is to help you bear the cost of hospitalisation or serious ailments. Expect to compromise on the smaller costs so that the bigger costs will be taken care of. Also, it is important to know which health care costs you can afford and which ones you need health insurance for. If there are certain costs you can cater to, don’t pay for those facilities. Remember, the more facilities you want, the more you will end up paying for your health insurance.

Lower your premiums

Premiums increase with age; a 25 year old pays lesser premium than a 31 year old (for the same health insurance plan). To save money, start paying for your health insurance today.

Texas Health Insurance Online Quotes and Applications
If you are a resident of Texas you can find an excellent resource for your research by visiting Texas Health & Life (Texas Health Insurance) which offers online quotes and applications for Texas health insurance and also a very helpful Buyer’s Guide.