For excellent Houston, TX health care insurance, contact Golden Plan Choice today! We are committed to finding the right health care insurance for you and your family. Our expert team knows the ins and outs of the health insurance marketplace and can help you out.
While health insurance in Texas is not mandatory, there are many benefits that come with buying health insurance. When the worst possible scenario comes to be and you find yourself facing steep medical and hospital bills, the last thing on your and your family’s mind should be how to pay it. A health insurance plan can protect your family’s finances by paying a smaller monthly payment, or a premium, rather than having to pay for the expenses out-of-pocket.
Moreover, a health plan coverage can meet your own health care needs by providing free preventative care, including shots and vaccines. For both individuals and small businesses, health insurance is one of the smartest investments you can make.
Golden Plan Choice offers a wide variety of affordable health insurance plans that can provide you with the health coverage you need. We offer individual health insurance and family health insurance, as well as group and life insurance.
No matter what your health or financial situation are, Golden Plan Choice can empower you to find the Houston, TX health care insurance you need. For more information about our services, call us today or drop by our office location. Our experienced team is here to help.
We Can Find You The Houston, TX Health Care Insurance Right For You
Unfortunately, health insurance has been out of reach for many people and families for decades. Health insurance premiums can be very high; what’s more, insurance companies can raise them arbitrarily as they please. Both individual and family insurance plans cover services that they can’t get from their job.
Fortunately, things have improved with the passing of the Affordable Care Act in 2009. The ACA has served to lower health care insurance costs across board. It has expanded screenings and preventative care, as well as required that every health insurance plan offer coverage for:
- Ambulatory services
- Emergency services
- Maternity and newborn care
- Mental health disorders and substance abuse
- Prescription drugs
- Lab tests
- And more.
In addition, with the ACA in place, people with pre-existing conditions can no longer be denied the coverage they need, as they could in years past. Moreover, people under 26 years of age can remain on their parents’ health insurance plan. As a result, the ACA has created a new “marketplace” of health care insurance plans for people under the age of 65 to cover their health care needs.
Still, gaps persist, and not everyone knows what they need to know regarding health insurance. Golden Plan Choice’s mission is to provide you with the tools you need to make powerful, informed decisions on your health care, as well as enroll you in a plan when the time comes. We offer a wide variety of health care insurance plans that could be right for you. Here are some of them.
Explore Our Health Care Insurance Plans
There are two types of health insurance, individual and family insurance. Individual insurance is meant for people whose employers don’t offer health insurance, as well as for those who don’t qualify for government-run programs such as Medicare, Medicaid, or CHIP.
Individual insurance is best suited for those who work for small businesses, those who are self-employed, and individuals who retire before they are eligible for Medicare (at 65 years old). Until you reach this age, you’ll need to acquire health coverage from somewhere else.
Like most insurance, your monthly premium will depend upon a number of factors, such as your age, zip code, and smoking habits. It will also vary based on the insurance provider that you’ll select.
Family insurance works very similarly to individual health insurance; in fact, each member of your family essentially works as a dependent added to your policy. Everyone’s family is different, and so will your health care insurance plan. Like with any insurance policy, you don’t want to be shopping for a one-size-fits-all plan.
When determining your health care plan, your policy’s coverage, premium, and deductible play a big part. A household of more than four people will inevitably increase your monthly premiums.
However, policies with a lower premium and a higher deductible aren’t always the most favorable options. That’s because the higher the deductible, the less your insurance will cover for truly necessary health care. Paying more a month with a lower deductible, thus, can ensure your premiums can cover these expenses without out-of-pocket contributions.
Golden Plan Choice also offers group insurance options if you are an employer who does provide health insurance for your employees or considering doing so. Group insurance comes with a variety of benefits, including strengthening employee morale and attracting new ones. Call us to learn more!
Get Your Health Care Insurance Today!
Golden Plan Choice is here for you. Unlike other companies, we’re not here to make a profit. Our agents love what they do, and will ensure that you understand your policy and ensure you get proper coverage. We offer all kinds of health care insurance, including Medicare, group, life, dental and vision, and final expenses and funeral insurance.
Our trained, certified team can offer you detailed market analysis and in-depth research that compares health plans. We will then create custom solutions that fit what you are looking for. When it comes to personalized coverage, our agents can help you out. When it comes to keeping abreast of developments regarding Houston, TX health care insurance, nobody can do it quite like Golden Plan Choice.
Fun Facts About Houston, TX:
- Houstonian residents eat out more than residents in any other U.S. city.
- At least 145 languages are spoken in Houston.
- Houston’s nicknames include Space City and H-Town.