Health Insurance

 

NOTE: If you are interested in a quote or applying for new health insurance outside of open enrollment (prior to Nov 1st) you must purchase your coverage directly from an insurance carrier. Click on the logos in the right column for more information.

Individual and Family Plans

Individual plans are ideal plans for single adults, college students, or those who would otherwise be too expensive to include for family coverage through employer-sponsored group health insurance. 

Family plans
are suited for parent(s) and eligible dependents.  There are typically “family deductible” and maximum out-of-pocket “family coinsurance” amounts that must be considered when choosing these plans. 

We will help you evaluate whether your health insurance needs are best served by applying for an inexpensive high-deductible, HSA-Qualified health plan (HDHP), or a “Copay” plan, with richer benefits.  Your medical history, current health conditions, and overall fitness could help you determine what health plans will be the most cost-effective for you or your family.

The Affordable Care Act (ACA) requires all “qualified health plans” to provide coverage for pre-existing health conditions.  You cannot be declined or rated-up, due to your medical conditions or prescription needs.  As of Jan. 1, 2014, maternity benefits are now included in individual and family health insurance plans!  Each insured family member is entitled to one free annual preventive exam per year.

AustinHealthPlans currently offers affordable health insurance plans through a number of major health insurance providers via our insurance quoting engine.  You can get health insurance quotes from Aetna, Assurant Health, Blue Cross Blue Shield of Texas, Cigna, Humana, Scott and White, and UnitedHealthOne (Golden Rule in Texas) in a matter of minutes.  We can also get insurance quotes from a few additional insurance companies whose plans are not yet in our quoting engine database.

To get a quote, merely click on the appropriate logo for the company's plans you want to compare.

Just call us at: (512) 535-3556 daily from 9am to 6pm (CST) or feel free to contact us by sending an e-mail to: Tom@AustinHealthPlans.com

Types of Health Plan Networks

A Preferred Provider Organization is a network of physicians who have agreed to a certain schedule of discounted fees for services.  If you choose a PPO Plan, you will be charged lower fees if you use a PPO network provider, than if you see an out-of-network doctor.  See the “Find Doctor” button under each health insurance plan, to see if your family doctor is in-network when deciding which plans to review or select for a quote.

HMO health plans have smaller networks. Patients must choose their primary care physician (PCP) from a list of doctors who are in their HMO network. Specialists must be referred by the patient's PCP. Rates for HMO plans are usually inexpensive compared to PPO plans.

EPO networks are usually smaller than PPO networks but they do provide patients with the freedom to choose not only their PCP, but also any specialists that they prefer. However, like an HMO plan, patients must choose their doctors from the physician network directory. There are no out-of-network benefits with an EPO plan. Monthly premiums are often less than the cost of PPO plans.