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Received Quotes: After you've downloaded your packet, take all the time you need to look it over. Narrow your choices down to one or two policies you like better than the others for your particular situation. Now call us at 1-800-633-7868 during business hours Monday through Friday and we can answer questions you may have
E-Mail
us: I've
decided on a policy, now what? Or, call us and we will prepare a packet to mail to you, which will include the brochure from the company, the outline of the policy and application materials. Instructions from us will also be included to assist you with the process. Some companies require that you prepay your first month’s premium with the application plus any “policy fees”. Most companies require the use of the bank draft for monthly premiums. Many offer quarterly, semiannual or annual premiums on a direct billing basis if you don’t want a bank draft. Call for details. After completing the application, you will return it to us for proofreading and processing, before we send it to the company. We check medical conditions to see what the companies’ position will be regarding that condition and advise you prior to sending the application in, if we feel there may be a problem. We may call you to complete missing or inadequate information to be sure it’s “ready to go” for the fastest processing possible by the insurance company. Now, it still takes about 2 to 4 weeks before we receive a decision from the insurance company. This means it may be 1 to 2 months before your coverage actually begins. DO NOT CANCEL CURRENT COVERAGE UNTIL YOU RECEIVE A CONFIRMATION LETTER OR CALL FROM US THAT YOUR POLICY IS APPROVED. We track processing of all applications pending each week and always contact you when we know it’s approved. It takes 1 to 2 weeks to appear on company reports. After that, feel free to call us on the status of your application. Once your application is approved, you’ll receive a policy, ID cards, provider lists, etc. from the insurance company. We’re not through yet. Our service department is here to help you with changes to the policy, claims, problems, or whatever. We’re not going to leave you to deal with the company by yourself. We’re your agent, and don’t hesitate to call us if you need help. Give
me some tips in buying insurance. I need help choosing a policy. Can I call you? Please do. That’s what we’re here for. I’ve found a policy I like. Now what? You may download and print the application online or with some companies, even apply online. Got questions about the application? Give us a call and we’ll walk you through it. Then you return the application to us for proofreading. We may call you to clarify information or get additional data before sending it to the company. We want it to be right before we forward it to the company. Then, we keep you posted on the application process so you don’t feel left out. Do companies increase rates every year? Generally, companies increase rates for two reasons. You get older and the cost of medical care goes up. We’ve tried to quote companies that are conservative with their rate increases. Our crystal ball isn’t always clear to predict the future, so we tell all our clients that if the company pounds you with unreasonable rate increases, give us a call and we’ll go shopping again. It’s been our experience that most people change companies every three to four years. We’re here to show you the health insurance marketplace, so you can update coverage if necessary. How can I check these companies out? Check out the Texas Department of Insurance. You can check most companies with this site. We use it frequently to check companies before we quote them for you. Pay particular attention to the complaint ratios. If a company is doing a good job of paying claims, they will have a low ratio. Questions? Call us. HMO’s are controversial to say the least. We’ve seen several go under in the last few years leaving thousands of people without any coverage at all. That’s not good for those who cannot now buy coverage because of a new medical condition. If you move outside the area served by the HMO, you leave the coverage behind. We just don’t feel comfortable with them at this time. Most of the policies we quote are PPO (Preferred Provider Organization) policies. If an insured uses any of the doctors and hospitals in the “network,” they receive better benefits. They can use any of the doctors and do not have “primary care” or “gatekeeper” physicians. It’s really very flexible especially if your doctors are in the network you’re going to use. We highly recommend them as it takes you out of the claim filing business. The providers file the claims and settle directly with the insurance company. Does the company tell me which doctor I can use? Not with a PPO policy. You’re free to use any doctor in the network. How do I know if my doctor is in the network? Links to each network is available online. Once you narrow the policies down to four or less, then you may compare them side by side. The links are beside each policy listed. Sorry, privacy of our clients and potential clients is of utmost importance. We don’t think you would want your name given out either. However, over 30% of our new clients are referrals from existing ones. We must be doing something right. What keeps me from buying insurance from a local agent? Not a thing. We have done all this work to earn your business. We don’t get paid anything until someone buys something through us. We really would appreciate your business and work equally hard to earn and keep it!
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"Our group coverage was costing over $400 a month...saved us over $200 each month" A. B. Laredo, TX "You guys are good!!!" K. W. San Antonio, TX "I can always call you for questions or help with my policy. That makes a difference" S. A. Odessa, TX Give
me some tips in buying insurance. |
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HIN of Texas™ Health Insurance Network of Texas, L.L.P. TDI # 15523 write us: info@hintx.com |