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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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Temporary Texas Health Insurance

There could be a time when you might be without health insurance altogether, in such a circumstance it is possible to get temporary Texas health insurance till you find just the right permanent health insurance plan. Temporary health insurance is usually offered for a period of six to 12 months, and is ideally suited for people that are in the process of shifting/finding health insurance providers or in between jobs or just coming out of college. There could be other reasons to apply for temporary Texas health insurance, but the basic function of temporary health insurance is to act as a bridge between two permanent health insurance plans.

There is a popular misconception that people that need health insurance in a hurry can get temporary health insurance to meet their upcoming health care expenses, this is not true. Almost all Texas health insurance providers require a ‘Certificate of Health’ before they offer temporary health insurance. What is equally true is, a person already suffering from an ailment might be able to get health insurance, but the health insurance company does not cover expenses that might arise due to a ‘pre-existing’ illness or injury. Obtaining temporary health insurance is a rather simple process and has a less rigorous underwriting process.

Temporary insurance is also less expensive than permanent health insurance. Temporary Texas health insurance can be extended if required, however if a person has already made a claim on the health insurance the chances of an extension are poor. In addition, temporary health insurance usually gets more expensive with each extension. Importantly, temporary health insurance is instantly voided once the stipulated time period of cover is completed; there are cases where a person only receives a part of his health insurance cover because the temporary health insurance expired and he/she was not granted extension during hospitalization.

It is important to remember that people with permanent health insurance are not eligible for temporary health insurance, and claiming temporary health insurance in such circumstances constitutes fraud.

While renewing a temporary Texas health insurance policy, the health insurance company takes into account the number of health claims made, the reasons for extension and most important, if the person can afford permanent health insurance. In a nutshell, temporary health insurance is usually granted to people that are genuinely in need of temporary health insurance and have no other option.

If you are considering temporary Texas health insurance, make sure you have all your documentation in order, as you might be asked to clarify (by means of documents) why you are opting for temporary health insurance and not permanent health insurance. Unlike credit cards, if you are denied temporary health insurance by one firm, you can always try elsewhere (there is no sharing of databases of rejected applicants). Also remember that applying for extensions is a painstakingly elaborate process, so make sure you get temporary insurance for as long as you need it. Keep in mind that if you have the option to apply for permanent Texas health insurance do not apply for temporary health insurance as it could cost you more in the longer run.

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.