Finance and Credit Professional

So you've just graduated from college, don't yet have a job and have just found out that you're no longer covered under your parents' health insurance plan. Maybe you've decided to leave your current job and look for a new one. Or perhaps you've found that perfect new job, but your new employer's group health [...]

A 2006 survey, released by the health insurance trade group America's Health Insurance Plans (AHIP), offers a snapshot look at small group health insurance plans throughout Texas and nationwide. The survey has once again stirred up debates over whether health insurance is affordable enough to allow small businesses to cover their workers, or if sweeping [...]

The results of an April 2004 Commonwealth Fund white paper* show that the economics of small business group insurance makes offering health benefits to employees is risky. The current lack of health insurance for individuals in Texas, as well as the rest of the country, is closely associated with the inadequacies of the small employer [...]

There are more than a million individual or family-owned businesses in Texas, and more people are contemplating opening their own business every day. For the small business owner, the same subject always comes up - self-employed health insurance. Take a look at what you are up against. As a self-employed individual in Dallas, Houston or [...]

A 2005 Commonwealth Fund white paper reported on two important trends in the U.S. workforce - the increasing prevalence of workers in part-time, temporary, contract or non-standard positions, and the decline in access to employer-provided health insurance.The fact that fewer and fewer individuals in Dallas, Houston and throughout Texas are covered by health insurance as [...]

Young individuals in Dallas, Houston and throughout Texas are a pretty healthy group in general, but going without health insurance interferes with their access to the health care system, introduces barriers to care when it's needed, and leaves young individuals and their families at risk for high out-of-pocket costs in the face of severe illness [...]

Insurance fraud. It happens daily. There are a number of bogus health insurance companies and agents in Dallas, Houston or anywhere else in Texas who will take your money and run. So, before you purchase health insurance for your employees or your business, make sure the insurance company you're dealing with is legitimate. Start by [...]

With the cost of prescription drugs continuing to skyrocket, you need to stay savvy regarding the use of money-saving strategies. According to the Employee Benefit Research Institute, prescription drug expenditures, in Texas as well as throughout the U.S., grew at double-digit rates during almost every year since 1980.Senior citizens who depend on Medicare, which doesn't [...]

How can you effectively utilize your individual health insurance plan? It starts by becoming an active participant in your own health and healthcare. Remember - the best offense is a great defense. In other words, learn the importance of preventive care while you're young and healthy.Health Screenings.Hospitals, clinics and community groups in Dallas, Houston and [...]

Many Texans shopping for individual health insurance do not understand what a Preferred Provider Organization (or PPO) is all about. A PPO negotiates discount arrangements with doctors, hospitals and other providers who accept lower fees from the insurer for their services. As a result, your cost sharing is lower when compared to going outside your [...]