Questions

Click on a question to the below to be taken to the answer.

How can I reach you?
Can you mail my quotes to me?
There are other sites quoting rates?
Is insurance less by going to the company?
How do you use my information?
Do you sell my information?

Why do I need an agent?
Individual vs. group coverage monetarily?
Are family rates less than individuals?
Can I cover just my wife(husband)?
Can I cover just my child(children)?
How fast can I get coverage?

My insurance is expired. Now what?
After I get my quotes, then what?
What about maternity coverage?
Are these the cheapest rates?
What about an existing medical condition?
I've got a pre-existing condition?

I'm over 65. Can you help me?
I'm a little overweight. Can I get covered?
I smoke, so are these rates correct?
Do you sell other kinds of insurance?
Do you sell in states other than Texas?

How can I reach you?
You can call anytime Monday through Friday from 9:00 to 5:00 with our toll-free number-1-800-MEDQUOTE (633-7868), or E-mail us: info@hintx.com. We do not keep you on hold forever. You're connected with our voice mail if our lines are busy, and we try to call you back within an hour.

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Can you mail my quotes to me?
Sure. Check your address as listed in our data sheet and E-mail us to do just that, or call us and we can do this all over the phone.

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Can I buy insurance for less by going direct to the company?
Nope. The price is the same whether you buy direct or use us. Agents have no control over prices, so it's the same price regardless of whom you use.

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There are other national sites quoting rates. Why buy from you?
We're here in Texas. We know Texas rules and regulations. We're familiar with these companies and specific coverage's for only Texas residents. In addition, we pay taxes here, live here, and shop in Texas. More important, we're here to service your policy. You can call us for help with changes in your policy, claim problems, questions of coverage, or just everyday advice. You're not stuck with dealing direct with the "home office."

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How do you use my personal information?
Your name, the address, etc. is used to identify you. Insurance rates are based on the number of people to be insured, their sex, age, and where they live. That's the reason for the additional information requested

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Do you sell my information to other companies?
Nope. Never have, never will.

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Why do I need an agent?
We're here to help you. There is difference in companies and coverage that is difficult to put in comparison charts. Sometimes, it's just hard to make up your mind and you need a consultant who's not trying to sell you something. Again, we're here to help you.

Perhaps more important is that we take great pains in proofreading your application before sending it to the company. We've found most applications sent to us require additional information, signatures or corrections. We phone you and complete the application for you. Also, if we think a health condition may be a problem, we contact you to discuss it before sending you application in. This way you don't waste your time and money

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Can I save money by getting an individual policy instead of group coverage?
You bet! Group rates usually run about two to three times more than individual policies. The reason? Legislation. Group coverage must include things like maternity, full coverage for mental and nervous conditions, etc., that individual polices might not offer or limit. Also, and most important, group coverage eventually must take everyone who enrolls, regardless of their health condition. Group rates are usually based on the claims of that particular group along with others in the same "class." Individual policies are based upon the claims of the "entire group of policies," not for each policy, and applicants must be reasonably healthy to get an individual policy.

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Are family rates less than individuals?
No. Insurance companies charge a certain amount for each person on the policy.

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Can I cover just my wife (husband)?
Sure you can.

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Can I cover just my child (children)?
You bet. Just give us the information and we'll quote it for you

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How fast can I get coverage?
With some exceptions (see below), insurance companies have a processing time on your application of four to six weeks. Your coverage would begin after that.

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My insurance is expired. Now what?
We represent several companies that offer a temporary policy. They go into force almost immediately and you buy them for 30 days at a time. Then we can coordinate your other application to begin at the end of the one or two month temporary policy. Call us for details.

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After I get my quotes, then what?
Take all the time you need to analyze the information. Then, narrow your choices down to four or less that you might be interested in. Then you may compare them side by side by checking the box beside each policy and then “compare”. Or you may give us a call and we can answer any questions you've come up with about the policy you're considering, or the insurance company, or even our assistance or opinions. We're here to help you find a good policy for the money

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What about maternity coverage?
This is the one area where insurance companies fall short. If you've gotten your E-mail from us, you've noticed that most companies don't offer it, even as an option. We've quoted some of the best ones for you to consider, but it's tricky. You probably need to call us to discuss these options.

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Are these the cheapest rates?
Not necessarily. Let's face it. There are some companies we wouldn't quote if they were giving their policies away. We make every attempt to screen new companies and policies coming into the Texas marketplace to find you a good company and a good policy.

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What about an existing medical condition?
There are some conditions such as controlled hypertension, seasonal allergies, thyroid and others that will be covered with most insurance companies. There are some conditions such as diabetes, heart conditions, cancer, blood diseases, muscular disorders, etc. would cause a person to be declined coverage. Some conditions such as asthma, severe allergy treatment, recent surgery, or acid reflux cause companies to cover everything else except expenses related to these situations. Give us a call for details or click here.

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I've got a pre-existing medical condition. Can you help me?
Give us a call. It may not be as serious as you think. If it is, we can still explore your options and make recommendations. Click here for more information.

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I'm over 65. Can you help me?
Not at this time. In the future we may be able to offer Medicare suppliments online.

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I'm a little overweight. Can I still get covered?
All companies have height and weight guidelines. We have copies of all the charts. Give us a call if you think that it's a problem. Click here for more information.

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I smoke (use tobacco), so are these rates correct?
Yes. If you are covering the entire family (husband, wife, etc.), if may be better to split it up on two policies. This can really change the picture so give us a call to discuss your options.

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Do you sell other kinds of insurance?
Nope. Just health insurance and related products.

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Do you sell in states other than Texas?
No. We have no plans to offer our service in other states. We're kind of partial to Texans, natural or imported.

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