Health Insurance Austin
Insurance Quote Form is at the botom of the page for your convenience.
Congress Issues Health Care Reform Bill Implementation Time Line.
What sets us apart? Service
We exist to "simplify the entire process" by:
- Pre-selecting the best Texas health insurance carriers based on rates, benefits and service
- Helping consumers make better educated decisions about Texas health insurance
- Tailoring Texas health insurance products to meet clients' specific needs within their budget
An experienced professional handles each client while adhering to the following principles:
- To conduct business according to high standards of honestly and fairness
- To provide competent and customer focused service
- To provide fair and expeditious handling of customer requests and issue
Insurance Quote Form is at the botom of the page for your convenience.
What is Health Insurance?
Insuring against the disastrous financial loss that can result from an illness or an injury.
Those of us who have been ill or injured know how important health insurance really is. As its name implies, health insurance helps insure that we and our families have ready access to health care services when we need them. It also helps insure against the disastrous financial loss that can result from an illness or an injury. But with all the Texas health insurance options out there, how are you to know which one is best? Generally, when people talk about "health insurance," they're referring to the kind of insurance that covers doctor and hospital bills.
Selected Benefits primarily deals with PPO plans for it's Texas health insurance clients. A PPO (Preferred Provider Organization) is a managed healthcare system popular throughout the United States. Similar to its cousin the HMO, Health Maintenance Organization, PPO’s provide a high level of healthcare, as well as a variety of medical facilities available to all participants.
Unlike the HMO however, a PPO is actually a group of doctors and hospitals that work under one umbrella (called the PPO), to provide medical services at a discount to the PPO participants. By granting discounts to the participants via an insurance company, the insurance companies are able to entice people to join the PPO by offering financial incentives. These incentives may include: greater discounts for medical services performed by in-system doctors; lower deductibles and lower co-payments.
Insurance Quote Form is at the botom of the page for your convenience.
Also different from the HMO’s, PPO participants pay for services when rendered and are reimbursed a percentage of the cost by the healthcare provider at a later time (though many PPO doctors prefer to invoice the healthcare provider directly). The percentage of reimbursement depends on the healthcare policy, a previously established rate agreement, and whether the doctor/hospital is within the PPO network.
Unlike the HMO systems, PPO participants may utilize any doctor they wish, and are not required to select a primary care physician (PCP), and do not require authorization from that PCP before the enrollee seeks medical assistance for any ailment or malady.
However, PPO enrollees are urged to select doctors within the PPO system, by way of higher reimbursement and lower co-payments.
July 14, 2010