Texas Group Health Insurance

Looking to purchase
Group Health Insurance?

Healthcare Consultants,Inc.(HCI) offers a wide variety of Texas health insurance plans for groups, individuals and families. As a general agent, HCI represents many carriers of group and individual health insurance plans and we are licensed to represent their full range of products and services. Click on tabs below :

  • Here is the spacer image
  • Here is the spacer image
  • Here is the spacer image

Individuals & Families

If you currently hold an individual policy, it will be changing in 2016. New plans will take effect in January 2016 and may or may not be similar to what you currently have. You will have the option of purchasing a new plan inside or outside the exchange and you may qualify for a subsidy inside the exchange. Certain individuals and families will be eligible for subsidies to help offset the cost of health insurance premiums. These premium tax credits can either be used to lower the cost of your monthly premiums or be collected as a lump sum on your federal income tax return. A family of four could earn up to approximately $98,000 a year and still qualify. Not only will your new health insurance be affordable, but it will be guaranteed to offer a basic foundation of coverage so you no longer have to purchase additional add-ons for essential care like maternity care or mental health and substance abuse services.

 

Small Businesses

HCI can take the headache out of dealing with your health insurance plan and benefits. Your Human Resources Department can put the burden on us to answer any and all employee questions. Also, they can expect us to assist in all the following time-saving and cost-saving ways:

    • Installing the benefits plan and communicating it to your employees
    • Assisting with claim problems that the employees or employer may have
    • Assisting with addition or deletion of employees
    • Guiding you through continuation or COBRA concerns
    • Providing Guidance for Healthcare Reform
 

Large Businesses

Executives know that most challenges can be simplified with the right help—including health insurance. They hire health insurance agents to do the heavy lifting for them, including reading the fine print and translating complex health insurance terminology. No matter how well educated an individual may be, it isn’t easy to compare health insurance plans without the professional assistance of an insurance broker.

Executives know this, and they delegate this important responsibility to licensed health insurance agents who fully grasp the meaning behind the words. These agents in turn clearly explain the options available and provide advice on the best route to take.