Texas Health Insurance Blog  

In Texas, health insurance plans with high-deductibles typically give you the lowest-cost monthly premiums.  Here’s a tip to help you lower your deductible down to just $100!

With supplemental accident insurance, you can trade a $2,000 deductible, for example, for a mere $100 deductible.  That’ right -  a supplemental accident plan for just $22 a month gives you $5,000 worth of 24 hour a day coverage and only a $100 deductible whenever you suffer accidental bodily injury. Read the rest of this entry »

If you’re looking for a faster way to see all the choices available in health insurance in Texas, try eTXHealthInsurance. You’ll find a quote engine that lets you compare hundreds of plan options from a variety of different insurers with free online Texas health insurance quotes.

At eTXHealthInsurance, you can also download insurance brochures, look up insurers’ ratings for financial stability, and apply online quickly and easily. Look at their savings alternatives, such as discounts on prescriptions and lab tests, for more great deals. Read the rest of this entry »

The Texas Department of Insurance has acted to protect consumers by prohibiting discretionary clauses in Texas health insurance policy forms. These clauses reserve the discretion to “interpret” contracts, and change the judicial standard of review upon appeal.

This department ruling is designed to protect you from inaccurate and unfair coverage determinations, and there are other ways to protect yourself when shopping for Texas health insurance. Read the rest of this entry »

The Texas Health and Human Services Commission has tentatively awarded Centene Corporation’s Texas subsidiary a new STAR+PLUS contract in the Dallas service area. The subsidiary, Superior HealthPlan, is one of three tentative awardees that will be responsible for the STAR+PLUS managed health care program. STAR+PLUS provides acute and long-term services for people who are blind, disabled, or elderly.

The new contract is expected to begin February 1, 2011. Superior HealthPlan already represents 450,000 members across Texas, including more than 37,000 STAR+PLUS members in 16 counties in the Bexar and Nueces service areas. Read the rest of this entry »

With the high cost of health insurance, many Texans are finding it hard to get the medical coverage they need at a price they can afford. Texas was ranked last of the 50 states for numbers of people with health insurance coverage. It’s estimated that about 25 percent of Texas residents do not have health insurance coverage.

At eTXHealthInsurance, our independent agents have put together more than 300 health insurance plans in Texas from different insurance companies all at the guaranteed lowest rates available. We take pride in helping people find the coverage they need at the best price available. Read the rest of this entry »

Approximately 6.3 million adults are estimated to be unaware that they have diabetes, which is responsible for about 70,000 deaths yearly. Texas is one of the states with the highest estimated rates of diabetes, high blood pressure, and cardiovascular disease risk.

Age-standardized diabetes was highest in Mississippi, West Virginia, Louisiana, Texas, South Carolina, Alabama and Georgia. Researchers have also found that states with high estimated rates of diabetes have the highest levels of blood pressure, and risk for cardiovascular disease. Read the rest of this entry »

The Texas Department of Insurance has received complaints that people are using the federal health care reform legislation to trick consumers into giving out confidential information. If you feel that someone is trying to take advantage of you in this way, please report it to the Texas Department of Insurance immediately, and don’t give out personal information.

Be wary of people either coming to your home or calling you while claiming to be with the federal government and trying to sell you anything. Such fraudulent sales reps have tried to sell a bogus product called an “ObamaCare Insurance Policy.” They may say that the policy is being offered during a limited enrollment period that has been created by the new health care reform. This is not true. Health insurance policies are issued by companies, and not through legislation. Read the rest of this entry »

Bad times are not without silver linings. That’s even true for recessions. Excessive alcohol consumption, over indulging in unhealthy food, and smoking all decline during recessions, and that improves our health. It’s also been suggested that people spend more time at home with friends and family during difficult economic times, which also supports good health.

According to an analysis published in Canadian Medical Association Journal, recessions actually reduce mortality rates in developed countries. Even the Great Depression increased life expectancy in the U.S. by 6.2 years. The increase in lifespan happened for men and women, and for whites and non-whites. The association between improving health and economic slowdowns was true for all ages, and for every major cause of death except suicide. Read the rest of this entry »

The true cost of not having Texas Health Insurance my shock you. Of course, you’re aware that without coverage, you have less access to health care if you get sick, but did you realize that whether you’re insured affects your chance of survival if you’re hurt?

Although it remains unclear why it happens, those without coverage have a 25 percent greater risk of death than those with coverage. To deduce that, researchers from Children’s Hospital Boston and Harvard Medical School analyzed 687,091 adult patient histories who suffered traumatic injuries between 2002 and 2006 using the National Trauma Data Bank. Read the rest of this entry »

With ever-increasing health insurance premiums, Texans need to get the most for every dollar they spend on medical care. Here are a few “secrets” we’ve found that add up to substantial savings.

Use our special no-cost Prescription Drug Discount Card courtesy of eTXHealthinsurance. You can print it, cut it out, and take to a pharmacy today. It is widely accepted by pharmacies, including BI-LO, CVS Pharmacy, Drug Fair, Eckerd Drugs, Fred’s Pharmacy, King Soopers, Kmart, Publix, Rite Aid, Walgreens, and Winn Dixie.

You can also use the Prescription Wizard to find the pharmacies in your area that have the best price on prescriptions. Just enter your zip code, the names of your prescriptions, and the quantities you want to buy. Read the rest of this entry »