Texas Group Health Insurance - Houston, TX Area
Texans Insurance & Financial Group of Sugar Land, TX
has created a strong relationship with some of the finest
insurance carriers serving Texas, while maintaining our
primary focus of serving the employer's needs.
A lot of Texas businesses offering their employees
Group Health insurance plans contribute towards the
cost of the coverage. Some pay for all of the
employees' premiums (for single coverage) and have
the employees pay the premium if they need coverage
for their families. Other Texas small businesses pay a
percentage of the total health insurance premium cost.
As the cost of health care continues to increase at a
rate much faster than inflation, many large employers
and small businesses in Texas choose to have their
employees make a contribution towards the cost of
health insurance coverage.
We are a Sugar Land, TX insurance agency offering affordable Texas
group health insurance coverage rates to small, mid-sized and large
businesses located in the following cities and counties in southeast
Texas: Meadows, Town West, Four Corners, Crabb, Booth,
Thompsons, Fresno, Manvel, Pleak, Kendleton, Eagle Lake, Sandy
Point, Beasley, Rosenberg, Richmond, Orchard, Fulshear, Juliff, Arcola,
Needville, Frydek, Rosharon, Bonney, East Bernard, Lissie, Elm Grove,
Spanish Camp, Wharton, Guy, Bellville, Wallis, Pasadena, Deer Park,
Houston, Pearland, Galena Park, Jacinto City, La Porte, Bellaire, West
University Place, Cloverleaf, Beaumont Place, Spring Valley, South
Houston, Iowa Colony, Hilshire Village, Humble, Houmont Park,
Friendswood, League City, Alvin, Mission Bend, Stafford, Missouri City,
Texas City, Webster, Dickinson, Baytown, Channelview, Highlands,
Seabrook, Bacliff, La Marque, Jersey Village, Lake Jackson, Surfside
Beach, Algoa, Santa Fe, Barker, Katy, Sealy, Dayton, Angleton, Freeport,
Bammel, Kohrville, Bay City, Brenham, Addicks, Brookshire, San Felipe,
Hockley, Waller, Prairie View, New Caney, Beach City, Nassau Bay,
North Houston, Hempstead, Tomball, The Woodlands, Burr, Iago, Boling,
Peters, Cat Spring, Burleigh, Waller County, Wharton County, Brazoria
County, Harris County, and Fort Bend County, TX. We can also offer
affordable Texas group health insurance premiums to businesses
throughout the Lone Star state, including in Beaumont, Austin, Waco,
Fort Worth, Dallas, and San Antonio, TX.
Managed Care vs. Fee-for Service Insurance
The health insurance plan that works best for your business is determined
primarily by your location, the physicians and hospitals available through
the health insurance plan, options offered by each insurance plan, and
what your budget can accept.
Learn more about the types of Texas Group Health Insurance Plans
we can offer your Houston, TX area small business by clicking on a
link below!
Employee benefits are an important factor to any business in hiring and
retaining a good work force. We can provide assistance to your benefit
administrator in answering employees questions and requests pertaining to
health insurance for groups of 20 or more. Every Texas business needs to
review their employee benefit health insurance plan to ensure that this major
expense continues to offer the highest quality group health insurance.
Click on the link below to fill out a secure quote request form for a Texas
group health insurance plan that regardless of whether you're a large
employer or a small business, will provide comprehensive health
insurance coverage for your businesses most important asset...your
employees. Or speak with our Texas Group Health Insurance specialist
toll free at (800) 747-6140 to discuss the policy features in more detail.
A POS or Point-of-Service group health insurance plan allows your Texas
employees the option of accessing any medical provider without a primary
care physician referral and receive the highest benefit level. Similar to an
HMO, a POS stresses preventive care and offers closely managed
benefits. A Texas POS health insurance plan also pays benefits for out-of-
network care, but at a lower level than for in-network care.
Costs that exceed the deductible are covered by a co-insurance plan in
which your employee and the insurance company share the cost for
services covered by the policy. Also, some services such as emergency
room, mental health and chemical dependency services, may carry
additional costs in a Texas POS health insurance plan.
Click on the link below to fill out a secure quote request form for a
Texas group POS health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or speak with our Texas Group
Health Insurance specialist toll free at (800) 747-6140 to discuss the
features.
Texas Fee-for-Service group health insurance coverages offer more
choice of doctors (including specialists, such as cardiologists and
surgeons), hospitals, and other health care providers than managed
care health plans, such as HMO, PPO, and POS. Fee-for-Service
employee health insurance may not pay for some preventive care, such
as check-ups, and is usually a more expensive health insurance
coverage than utilizing an HMO, PPO, or POS plan in Texas.
Learn more about the other types of Texas Group Health Insurance
we can offer your Texas business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a
Texas Fee-for-Service (Major Medical) group health insurance plan that
regardless of whether you're a large employer or a small business, will
provide comprehensive health insurance coverage for your businesses
most important asset...your employees. Or speak with our Texas
Group Health Insurance specialist toll free at (800) 747-6140 to discuss
the policy features.
Texas Fee-for-Service or major medical group health insurance
provides benefits up to a high limit for most types of medical expenses
incurred, subject to a deductible. Once the deductible is met, this type
of group health insurance plan will pay a percentage of what is
considered the "Usual and Customary" charge for covered services.
The insurance company generally pays 80% of the Usual and
Customary costs and you're responsible for paying the other 20%,
which is known as co insurance. If the insurance company charges
more than the Usual and Customary rates, you will need to pay both the
co-insurance and the difference.
Texas Fee-for-Service group health insurance allows your employee
to choose their doctor and any hospital for their medical services.
Usually, an employee will have a deductible such as $500 or more to
pay each year before the insurer starts paying. The plan will pay for
charges such as medical tests and prescriptions as well as from
doctors and hospitals.
Fee-for-Service health insurance coverages for employer sponsored
employee benefits in Texas typically offer the following:
* Employers and employees share premiums
* Employees have the freedom to choose any provider
* Insurance company pays the allowable claim
Fee-for-Service plans also offer some Managed Care type of insurance
options that can assist your Texas business in reducing employee
benefit costs.
* Case Management
* Second Surgical Opinion
* Pre-admission Certification
* Special Benefit Networks
Managed Care:
Fee-for-Service:
PPO Insurance Plan (Texas Group Health Insurance)
A Texas PPO group health insurance plan is recommended for a
business desiring to offer their employees convenient access to quality
medical care with effective medical management, a large and diverse
network of primary care physicians, medical specialists, hospitals and
clinics.
An employee can see any health care professional in the network any
time they choose to make an appointment. They don't need referrals for
specialists or other services as required in an HMO. An employee can
see doctors or specialists outside your PPO network, however, your
employees portion of the costs will be higher.
An employee may have to pay some portion of the cost (co-payment)
for each office or hospital visit, such as $20 per doctor visit, regardless
of what the services cost. Also, some services such as emergency
room, mental health and chemical dependency services, may carry
additional costs in a Texas PPO health insurance plan.
* Convenient access to quality medical care for employees
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
Fee-for-Service:
Managed Care:
Learn more about the other types of Texas Group Health Insurance
we can offer your Texas small business by clicking on a link below!
Click on the link below to fill out a secure quote request form for a
Texas group PPO health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or you can speak with our Texas
Group Health Insurance specialist toll free at (800) 747-6140 to
discuss the features.
HMO Insurance Plan (Texas Group Health Insurance)
A Texas HMO group health insurance plan helps your Texas business
control health care costs through a closely managed plan with an
emphasis on preventive care. Each employee selects a Primary Care
Physician from a network of providers. The Primary Care Physician can
coordinate the total care of the employee to help ensure appropriate
care is received. An employee may also seek care from any provider in
the network without a Primary Care Physician referral, subject to a
higher out-of-pocket expense.
Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. An employee chooses a primary care
physician from a list of participating doctors. That doctor is used for
typical circumstances such as annual exams and usual health issues.
If the employee needs to see a specialist, be hospitalized, or have lab
or X ray work, their doctor will refer them to a provider or facility within
the HMO system. Your employees doctor must give authorization for
those services to be covered by your HMO. In other words, an
employee must see HMO approved physicians and use HMO approved
facilities or pay the entire cost of the visit themselves.
* Preventive care emphasis
* Primary care physician coordinates the total care of the employee
Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers
and give their policyholders a financial incentive to stay within that
network.
An employee may have to pay some portion of the cost (co-payment)
for each office or hospital visit, such as $20 per doctor visit, regardless
of what the services cost. Also, some services such as emergency
room, mental health and chemical dependency services, may carry
additional costs in a Texas HMO health maintenance plan.
Learn more about the other types of Texas Group Health Insurance
we can offer your Texas small business by clicking on a link below!
Managed Care:
Fee-for-Service:
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Insurance Plan (Texas Group Health Insurance)
Learn more about the other types of Texas Group Health Insurance
we can offer your Texas small business by clicking on a link below!
Fee-for-Service:
Managed Care:
Click on the link below to fill out a secure quote request form for a
Texas group HMO health insurance plan that regardless of whether
you're a large employer or a small business, will provide
comprehensive health insurance coverage for your businesses most
important asset...your employees. Or speak with our Texas Group
Health Insurance specialist toll free at (800) 747-6140 to discuss the
policy features in more detail.
Managed Care:
**The information, pictures, and other content in this website about particular
insurance services is only provided for informational purposes. Any decisions
regarding your insurance needs should be discussed with a licensed insurance
agent.
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Texans Insurance
& Financial Group
101 Southwestern Blvd.
Suite 230
Sugar Land, Texas 77478
Fort Bend County, TX
Office: (281) 277-7800
Toll Free: (800) 747-6140
Fax: (281) 277-7801
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