- How do I...
Apply for coverage?
Get coverage for just my kids?
Apply for state insurance programs?
- Where can I find ...
See what plans my doctor takes?
Certificate of Coverage Letter?
Good old insurance info facts?
- Why doesn't ...
Everybody get approved for private health insurance ?
- Who is ...
- What is ...
- When is ...
Effective date of the new coverage?
It safe to cancel my old coverage?
Apply for Coverage? The best way to accomplish
this would be to visit this page and follow the steps.
Get coverage for just my kids? The two
carriers that have the best benefit and pricing level are
HumanaOne and BlueCross BlueShield of Texas. HumanaOne will allow you to lump
more than one child together to get a family group discount.
Apply for state insurance programs? There
are times that you may need to apply through the state services
to qualify for coverage based upon your income level. An example
would be....currently pregnant with no insurance and I don't
have access to coverage through work. If your income is low
enough you would qualify for Medicaid. Or you may be unemployed
and you are looking for CHIP for the children. Go here to
benefit from state based service website that we are proud to be
partnered with these programs
What plan does my doctor take?
We recommend you call your doctor.
Certificate of Credible Coverage? You don't
need this particular document to submit to us at the time of
your application. However, we will need it once you get
approved. This certificate proves you had prior coverage that
has not lapsed more than 63 days. This allows your pre-existing
conditions to be covered. If you did not have prior coverage
within 63 days of your approval date with us than you may be
subject to a waiting period for your pre-existing medical
Good old fashion insurance facts?
Everybody get approved for coverage? In Texas and
particularly with individual or family policies it can be difficult
to get approved. The reasons vary, but mostly have to do with health
conditions in your past or medical issues you are dealing with now.
What makes Texas-Health-Insurance-Online.com different from all the rest is
that we are plugged into the private and state insurance routes. We
know where you will qualify for coverage. In most cases we can
guarantee you access to coverage somewhere. Mike Oliphant also works
with the State Insurance Task Force to improve the environment of
approvals in Utah through legislation. Mike serves on the board with
These are all from the same source. That source
being Mike Oliphant. BenefitsManager.net is the main mother website
and the oldest health insurance source in Utah.
Texas-Health-Insurance-Online.com was created for name recognition
in search internet engines. This site services our Texas clientele.
Mike started his carrier in Texas nearly 19 years ago
An agent or agency is a required license designation by Texas.
This name will shortly be changed to "Producer". A insurance agent
or agency IS NOT the same thing as a reality agent. When you buy a
home you pay a one time commission fee. When you buy a insurance
policy, an agent is paid a servicing fee. This is not the same
cost when you go about selling or buying your home where you loose
money in commission points. Agents or agency fees do not increase
the cost of your policy. This is part of the administration fees
that health insurance carriers budget to better service people going
through the application process. This is the most efficient and cost
effective system used currently to manage the explanation and
ongoing support for health insurance policies. Health insurance
carriers cannot afford to hire the payroll personnel to service you
in house. It is in your best interest to deal with a neutral field
underwriting source such as us. Mike Oliphant is a Health
Underwriter through National Association of Health Underwriters. This
means his experience as a field underwriter benefits you with his
continued education requirements with approval and servicing issues.
A field underwriter is under high demand in Texas as Mike will
Your effective date is usually the 1st of the month following
your application date. Carriers such as BlueCross
BlueShield and Humana will normally issue the 1st day of the
month following your application unless otherwise designated choice. Your submission deadline to
qualify for the first is no latter than the 25th of the month.
Carrier such as Humana and Assurant Health will issue
effective dates on any given day of the month as long as it is
not retroactive to your application date.
DO NOT CANCEL CURRENT COVERAGE UNTIL YOU RECIEVE
WRITTEN APPROVAL OF THE NEW CARRIER
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