A Texas Health Insurance Agency

Here are some important reasons why you should call The Health Insurance Specialists of Texas before choosing your health insurance plan.

Whether you choose The Health Insurance Specialists of Texas or not, we want you to walk away with a better understanding of the best way to protect yourself and your Texas family.

We have shopped numerous healthcare providers to bring the most reputable programs to you statewide. We have access to over 40 different companies, each with a special offering just for you.

To apply directly with one of these carriers just click the logo

We specialize in first answering your questions about affordability, coverage, companies, and your requirements, then securing the most cost effective coverage that results in a plan that fits you.

The Health Insurance Specialists of Texas is an “agent of the buyer”, making sure your issues are the driving force behind the healthcare decision. We have helped protect lifestyles, possessions and assets for hundreds of families throughout Texas.

WHEN SEARCHING FOR HEALTH INSURANCE, “ASK YOURSELF THESE QUESTIONS”

• On group insurance, what are the choices of doctors, hospitals, the primary areas of service deliver, and specialist accessibility that I want or need?
• What are the recommendations from those I know and trust, their experiences could save me valuable time and effort.
• Does the policy have the benefits that I need? What are the processes of dispute resolution regarding benefits?
• What are the types of organizations that provide benefits (HMOs, PPOs, POSs) and are there any predominant providers in my local area?
• What are the exclusions in the policy and do I need benefits for possible extraordinary items such as long term therapy or specialty equipment?
• Do I have any dependent special needs situation?
• What are the comparable costs for similar benefits, including premiums, deductibles, co-payments; percent of fees paid by the insurance company, maximum limits and uncovered medical expenses?
• What amount can I reasonably budget to ensure continued coverage and renewals, and how much deductible can I afford to help decrease premiums?

HERE ARE SOME OF THE REASONS FOR HAVING HEALTH INSURANCE

• You want to protect your lifestyle, possessions, and assets.
• Predictions are that 49% of people now over 65 will enter a nursing home.
• After only 13 weeks in a nursing home, 7 out of 10 find their income spent down to poverty levels.
• There are over 1 million new cases of cancer diagnosed each year.
• Women who have an immediate family history of breast cancer have twice the risk of developing breast cancer than those who have a clear family history.
• Male smokers are 20 times more likely to develop lung cancer compared with nonsmokers.
• Approximately 76% of cancers are diagnosed at age 55 or older.
• Over 35% of emergency room hospital visits were due to injury related accidents.
• Disabling injuries happen in the home about every 4 seconds.
• Unintentional injuries are the fifth leading cause of death, exceeded only by heart disease, cancer, stroke, and chronic lower respiratory diseases.
• Intensive Care costs are usually about 4 times that of a regular hospital stay and constitute about 20% of all hospital costs.
• Every year over 700,000 Americans will have a new coronary attack.
• Men have about a 50% chance of developing coronary heart disease after age 40, for women a 33% chance.
• Every year, there are more than 20 million unintentional injuries and over a 100,000 deaths from unintentional causes.
• It is estimated 48% of all home foreclosures are due to serious medical problems.
• You are much more likely to be injured in an accident than to die from one.

Office Hours:
7:00 am till 7:00 pm (Central Time)
Monday through Friday
7:00 am till 12:00 pm Saturday

Office Phone:
817.732.1793
Toll Free: 877.732.1793