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When it comes to considering health insurance quotes, Texas has a number of great options. Before you make your choice, you have to understand what comprises your quote. When you work with HealthMarkets Insurance Agency, you’re working with licensed, knowledgeable representatives who will provide you with the personalized and convenient service you need to make the best decision to meet your needs and budget.
When it comes to my health insurance quote, what expenses will I be responsible for here in Texas?
Different health insurance policies carry different options for coverage here in Texas, but there are a few general fees you can expect with any policy you consider. Those fees can include, but are not limited to the following:
- Premiums
- Doctor visit copays
- Lab work copays
- Annual deductible
You should go into your search with a basic knowledge of what the terms listed above mean in order to decide which policy is best for your situation. Health insurance quotes for Texas residents will vary based upon these.
A premium is the payment required to secure a health plan. When it is collected can vary, so make sure you know when payment is expected. Often, premiums are paid monthly. The amount you pay is based on factors like age, tobacco use, and the general cost of care in your area.
A copay is the amount you are expected to pay out of pocket for each doctor visit and lab test that is done. This is usually a set amount but can also be a percentage of your cost of care.
A deductible is the amount your health insurance might require you to pay annually. Deductibles are paid before your health insurance takes over the costs of covered medical expenses.
Since 2010, HealthMarkets has helped enroll Americans in more than 4 million insurance policies. Our success lies in much more than statistics; a true assessment of our work is found in the satisfaction of our customers like Tricia, who said, “I requested a health insurance quote and received a phone call back. The agent found the best plan for me. He was never in a rush and made sure all of my questions were answered.”
It is our vision to make insurance shopping easy, so you can focus on the important things in life. We encourage you to visit our website today and find an agent near you.
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