Texas Health Insurance Minefield

When I started in the insurance industry in 1993 insurance policies were mostly cut and dry. Doctor co-pay plans were just becoming popular, away from the traditional deductible first old 80/20 policies. Back then deductibles hovered around 500 dollars. Today companies have raised premiums to the point that in order to secure adequate coverage at an affordable monthly premium, families have been forced to raise deductibles.  I don’t like this any more than you do, as my only goal is to provide you with the highest level of coverage at the lowest price.  After speaking with a potential client I will “shop” your business with all the “major players” in the individual health market here in Texas. I promise that when we are done you will be provided the highest benefits at the lowest cost. No agent or agency can beat what I quote you on price.

One problem that is running wild in the Texas health insurance market is the relaxed standards of benefits that can be offered. Recent law changes allow insurance companies to offer much more limited policies and I am finding that these products are being marketed by agents just looking out for THEIR bottom line. Although these policies are cheaper than your more traditional PPO plans, they expose the client to substantial out of pocket expenses in the event of an illness. Things like no drug prescription coverage, limited doctor co-pays, facility fees, and is some cases limited coverage in the event of a major illness or accident. I will never quote these types of limited benefit policies; I will only quote the products that reside in the MAJOR MEDICAL family of policies. Anyone that quotes lower prices than Peeler Insurance you need to closely review the benefits before moving forward with the policy.

I realized at an early stage of my insurance practice that in order to be successful I had to be able to offer my clients virtually every insurance company on the market. This practice ensures that when I quote a family a price I will not be undersold by some agent, possibly new to the industry that doesn’t have your best interest at heart. I need your business not only for today, but need to retain you as a client for years and years. As an insurance agent, you only do that by building trust and offering your clients top-notch service. I think you will be not only impressed but shocked that you don’t feel the need to shop agents and policies every year.

Today we have hundreds of excellent options available in the individual health market, to some degree more than ever. I work with the companies that know their way around the health insurance mine field, names like Blue Cross, Aetna, Humana, United Health Care and Unicare to name a few. When I provide a quote I will be looking over almost 1000 different plan types. So if you’re looking for straight answers, a blunt assessment of your present coverage and the most inexpensive insurance available in the Texas market, call or email me and lets discuss your needs!