For Laredo, TX health care insurance you can count on, call us today! Golden Plan Choice is the health insurance agency that can provide you with the right health insurance for you and your family. Our team is trained in navigating the health insurance marketplace. We can find you the health insurance coverage for the high-quality health services you need.
Golden Plan Choice offers a wide variety of health insurance plans, including individual health insurance, family, group, life insurance, and more. We operate our company with the highest standards of work and customer service.
So what are you waiting for? Call Golden Plan Choice today or drop by our office location to get your Laredo, TX health care insurance. We proudly serve our local Laredo communities, as well as communities all over Texas.
The Best Laredo, TX Health Care Insurance
Life happens. One day you’re sailing on in the bloom of robust health and the next you’re felled by the slings and arrows of outrageous fortune. When that happens, the last thing you want is for yourself and your family to be burdened by medical and hospital bills with exorbitant charges.
Health care insurance is one of the best bulwarks you can make regarding your health care. With health insurance, you can rest easy in knowing that whatever happens, your health care is covered and your family protected from financial jeopardy. The reason is simple: It’s much more affordable to pay a monthly premium than pay for the whole bill out-of-pocket. What’s more, most health care insurance comes with free preventative services such as vaccines and exams.
Unfortunately, health care insurance in the U.S. is notoriously expensive. The cost for prescription drugs and medical treatment is as high as ever and even rising. As a result, most people that cannot accommodate health insurance in their budgets have been forced to go without, with drastic consequences.
The Affordable Care Act & Its Effects
Matters, however, have improved with the passing of the Affordable Care Act, which have lowered health insurance costs somewhat by creating a new “marketplace” for health care insurance for people younger than 65.
The ACA has also expanded screening and preventative care, as well as required all health care insurance plans to cover the following:
- Ambulatory services
- Emergency services
- Mental health disorders and substance abuse
- Prescription drugs
- Lab tests
- Maternity and newborn care
- And more.
In addition, the act has also banned insurance companies from denying people with pre-existing conditions coverage, as well as allowed people under the age of 26 to stay on their parents’ health care insurance plans. As a result, more than 16 million Americans now have health insurance than in previous decades.
The ACA has managed to stem this sea of troubles, but gaps still remain. Most unfortunately, not everyone knows the more affordable health care insurance options out there. That’s where we come in.
Golden Plan Choice is here to help you make powerful, informed decisions on your health insurance. Our team is experienced at navigating the oftentimes byzantine health care system to find you plans that are right for you and your family. We work closely with you to ensure you get personalized health coverage that meets your health needs without breaking the bank.
Explore Our Health Care Insurance Plans
There are two types of personal health insurance: Individual and family insurance. Individual health insurance is for people who can’t get health insurance through their workplace. Individual health insurance also includes those not eligible for government-run insurance such as Medicare, Medicaid, or CHIP.
Individual insurance works best for those who are self-employed, who work for a small business, and people who retire before they are eligible to receive Medicare benefits (at age 68). Factors that go into your monthly premiums for individual insurance include your age, zip code, and smoking habits, as well as the insurance provider you choose.
Similarly, family insurance works along the same lines as individual insurance, except that you can add each family member as a dependent to your policy. Family insurance plans through an employer are much more affordable; however, it’s becoming less common for employers to offer health care insurance benefits.
For employers that do offer health care insurance, however, we offer plenty of group insurance options. There are many benefits to providing group insurance: Your employees will be more loyal to your business, it will attract new employees to your business, and employees can pay less in annual taxes. These policy types are also cost-effective in the long run. Employers can also be assured that when their employees are healthy, their productivity and morale will improve.
Moreover, you do not have to work for an employer to qualify for group insurance. If you are a dependent of an employee who receives group insurance, you will be covered until the age of 26, like with an individual health plan. However, this is only if the employer does not offer health care insurance to begin with.
Call Us Today!
Golden Plan Choice is here to provide you with the health care insurance you need. No matter what your health or financial situation is, everyone deserves to have health care insurance that meets their needs without risking financial bankruptcy.
Our team works hard by creating detailed analysis of health care insurance plans and comparing them. Our expert guidance will ensure you won’t pay for more health insurance than what you strictly need.
We offer plenty of health care insurance options for you. We offer individual and family insurance for those whose employers do not offer health insurance. In addition, we can provide life and group insurance, dental and vision insurance, and funeral and final expenses.
Fun Facts About Laredo, TX:
- Laredo’s population has doubled since 1990.
- It has a Hispanic population of over 95%.
- It is located in Webb county.