TEXAS HEALTH INSURANCE PROVIDERS
As a resident of Texas, you have many health insurance coverage options available. There are multiple health insurance providers in Texas that provide a variety of policies for individuals and families.
We specialize in Health Insurance no matter if you are located in Dallas, Austin or Ft. Worth. Our commitment is to locate the most affordable health insuranc policy in Texas that meets your individual needs and budget.
It is important that you do plenty of research when seeking a Texas health insurance company. Not all insurers are equal, and you need to make sure that you select a reputable carrier. The last thing that you want is for your loved ones to suffer added frustration at the time you are in the hospital because your health insurance company is limited and not paying bills or approving the procedures you desperately need. Most insurance companies will require you to get pre approved before undergoing surgery. Many factors can influence the insurance company decision on whether or not to pay your claims. Smoking is one of the bigger liabilities and effects your rates.
A good Texas health insurance company will be able to provide you with information on the full range of benefits that they can offer to you and your family. They will explain in depth the different types of health insurance and what they mean for you. They will provide you with several quotes, so that you can make the most educated decision possible. After you purchase your policy, they should still be willing to assist you and answer any questions that you or your loved ones may have. How helpful they are after you purchase your policy is just as, if not more important than how willing they are to help you when you are actually purchasing it.
Investing the time and effort today to do research about health insurance today can help save your loved ones a tremendous amount of grief and hardship in the case of an unforeseen tomorrow. Find a good Texas health insurance company and protect the financial futures of those that are the most important to you. It is the greatest act of kindness that you can do for your family to help ease them through the days following your hospital.
Here are few of the Top Texas Term Health Insurance Providers
Aetna, Inc. (NYSE: AET) is an American diversified health insurance company, providing a range of traditional and consumer directed health care insurance products and related services, including medical, pharmaceutical, dental, behavioral health, group life, long-term care, and disability plans, and medical management capabilities. Aetna is a member of the Fortune 100. In 2005, the company had $1.1 billion in earnings. Aetna’s 2007 revenue, reported in 2008, was $27.6 billion. Aetna’s 2008 revenue, reported in 2009, was $31 billion. Aetna is the direct descendant of Aetna (Fire) Insurance Company, of Hartford, Connecticut The name was meant to invoke Mount Etna, at the time Europe’s most active volcano.
The Blue Cross and Blue Shield Association (BCBSA) is a federation of 39 separate health insurance organizations and companies in the United States. Combined, they directly or indirectly provide health insurance to over 100 million Americans. The history of Blue Cross dates back to 1929, while the history of Blue Shield dates to 1939. The Blue Cross Association dates back to 1960, while its Blue Shield counterpart was actually created in 1948. The two organizations merged in 1982, forming the current association. The company has its headquarters in the Michigan Plaza complex in the Chicago Loop area of Chicago, Illinois. Blue Cross and Blue Shield developed separately, with Blue Cross plans providing coverage for hospital services, while Blue Shield covered physicians’ services. Blue Cross is a name used by an association of health insurance plans throughout the United States. Justin Ford Kimball, at Baylor University in Dallas, Texas, developed its predecessor in 1929. The first plan guaranteed teachers 21 days of hospital care for $6 a year, and was later extended to other employee groups in Dallas, and then nationally. The American Hospital Association (AHA) adopted the Blue Cross symbol in 1939 as the emblem for plans meeting certain standards. In 1960 the Blue Cross Association superseded the AHA commission. Affiliation with the AHA was severed in 1972.The Blue Shield concept was developed at the beginning of the 20th century by employers in lumber and mining camps of the Pacific Northwest to provide medical care by paying monthly fees to medical service bureaus composed of groups of physicians. The first official Blue Shield Plan was founded in California in 1939. In 1948 the symbol was informally adopted by nine plans called the Associated Medical Care Plan, and was later renamed the National Association of Blue Shield Plans. In 1982 Blue Shield merged with The Blue Cross Association to form the Blue Cross and Blue Shield Association. Prior to the Tax Reform Act of 1986, organizations administering Blue Cross Blue Shield were tax exempt under 501(c)(4) as social welfare plans. However, the Tax Reform Act of 1986 revoked that exemption because the plans sold commercial-type insurance. They became 501(m) organizations, subject to federal taxation but entitled to “special tax benefits” under IRC 833. In 1994, the Blue Cross Blue Shield Association changed to allow its licensees to be for-profit corporations. Some plans are still considered not-for-profit at the state level.
Celtic originally focused on providing group life and health coverage, but our insurance offerings changed over the years to accommodate our customers’ needs. Today, Celtic operates mainly as a low cost individual health insurance company and has a strong commitment to providing quality products and superior service through innovative technologies. 1978 Celtic Group, Inc., was formed as a holding company, and a subsidiary of the company began operating in Chicago as a broker, insurance, and reinsurance company for group life and health coverage. 1999 Celtic’s eBusiness department was created to further the company’s presence on the Internet; and applications were developed that allow agents and consumers to purchase coverage online. The company’s name officially changed to Celtic Insurance Company from Celtic Life Insurance Company to reflect the company’s focus on individual health insurance products. Today Celtic Insurance Company has grown to become one of the most successful specialty health insurance companies in the country. We are committed to maintaining our positive reputation in the industry for our high-quality products, financial stability and A.M. Best Rating.
Cigna Corporation (NYSE: CI) is an American health insurer. CIGNA Healthcare is the for-profit health insurance company, which operates under the CIGNA corporation umbrella. CHC operates health plans throughout much of the United States and in a growing list of countries around the world. CIGNA refers to itself as a “global health services company,” owing to its expanding international footprint. The health care headquarters are located in Bloomfield, Connecticut, while the corporate headquarters are located at Two Liberty Place in Center City Philadelphia, Pennsylvania. Cigna also has a major footprint in the Phoenix, AZ metro area running a full-service staff-model HMO with satellite clinics throughout the region. Cigna International Expatriate Benefits also operates under CIGNA Corporation and provides benefits to customers around the world. In December 2007, Cigna was criticized after the company refused to pay for a liver transplant of a California teenage girl, Nataline Sarkisyan, justifying their refusal to pay by claiming that the procedure was experimental, even though there was a liver ready and waiting to be transplanted and doctors estimated she had a 65% chance of surviving at least 6 months. In response to much protest and public scrutiny, Cigna finally reversed its decision, but only too late to save Ms. Sarkisyan who died awaiting the transplant. Cigna notes that it had no financial stake in the decision to authorize the transplant because it merely administers the insurance plan of Mr. Sarkisyan’s employer and would not bear the cost of any operation. However, Cigna was offering to pay for the transplant itself when it made the exception to the policy. Even though liver transplants have been performed since 1963 and are a well-accepted treatment option for end-stage liver disease and acute liver failure, Cigna defended its actions by claiming that there was insufficient data to show that a transplant for a patient in Sarkisyan’s condition would be safe and effective. Lawyers for her family are exploring litigation against Cigna. Recently the California court agreed with Cigna’s position that the Sarkisyans’ claims regarding Cigna’s decision making were without merit. On April 16, 2009, the United States District Court for the Central District of California dismissed all of the claims against Cigna related to the coverage determination.
Humana Inc. (NYSE: HUM), founded in 1961 in Louisville, Kentucky, is a Fortune 100 company that markets and administers health insurance. With a customer base of over 11.5 million in the United States, the company is the largest (by revenues) Fortune 100 company headquartered in the Commonwealth of Kentucky, and has a market cap of over US $13 billion, $25.2 billion in revenue, and over 26,000 employees nationwide. Humana markets its health insurance services in all 50 U.S. states, D.C., and Puerto Rico, and has international business interests in Western Europe. The company was founded by David A. Jones, Sr. and Wendell Cherry as a nursing home company in 1961. Then known as Extendicare, the company became the largest nursing home company in the United States. Extendicare later divested the nursing home chain and moved into purchasing hospitals in 1972, becoming the world’s largest hospital company in the 1980s. The corporate name was changed to Humana Inc. in 1974. Humana experienced tremendous growth in the years that followed, both organically and through the takeover of American Medicorp Inc. in 1978, which doubled the company’s size. During the mid-1970s, the company used a fast-track construction process to complete and open one hospital a month. This accelerated construction schedule, which compressed time by overlapping processes, allowed Humana to develop hospital projects faster than the industry norm. During this construction boom, Humana developed the double corridor model for hospital construction. This highly efficient design minimized the distance between patients and nurses by placing nursing support services in the interior of the building with patient rooms surrounding the perimeter. Humana brought the pioneering artificial heart research of Dr. Robert Jarvik and Dr. William DeVries, the inventor and surgeon of the first artificial heart implant performed at the University of Utah in 1982, to create the Humana Heart Institute, in Louisville in 1985.The 1990s marked Humana’s transition into a consumer health benefits company. Humana spun off its hospital operations from the health insurance operations in 1993, creating Galen Health Care, which then merged with Columbia/HCA.
Scott & White Health Plan Began operations in January 1982 as a not for profit Health Maintenance Organization. Its mission, then and today: “To provide the most personalized, comprehensive, highest quality health care, enhanced by medical education and research”. First called Centroplex Health Plan, the SWHP service area focused primarily in Bell and Coryell counties. Since then, we’ve grown our membership to over 200,000 members and our service area to 50 counties in the Central Texas region. New insurance plans have been introduced to meet the needs of members, employers and the community. These include a child only plan, a statewide self-insured plan and a Medicare prescription plan.
United Health Group Incorporated NYSE: UNH is a managed health care and health insurance company. According to company literature, United Health Group is a diversified health and well-being company dedicated to making health care work better. Headquartered in Minnetonka, Minnesota, United Health Group offers a broad spectrum of products and services through seven operating businesses: United Healthcare, Ovations, AmeriChoice, Uniprise, OptumHealth, Ingenix, and Prescription Solutions. Through its family of subsidiaries and divisions, United Health Group serves approximately 70 million individuals nationwide. In 2008, the company posted a net income of $3 billion. United Health Group is the parent of United Healthcare, one of the largest health insurers in the U.S. It was created in 1977, as United Healthcare Corporation (it renamed itself in 1998), but traces its origin to a firm it acquired in 1977, Charter Med Incorporated, which was founded in 1974. In 1979, it introduced the first network-based health plan for seniors. In 1984, it became a publicly traded company. In a recent insurance industry publication, Business Insurance, United was named “readers choice” winner 2007 for “Best Managed care organization”. To contrast, however, in a recent non-insurance industry survey of health care executives who have dealt with the company, United received a 91% unfavorable rating—the worst ranking among all listed. .
Here are few of the Top Texas Term Life Insurance Providers
Prudential Financial, Inc. (NYSE:PRU) is a Fortune Global 5000 and Fortune 500 company whose subsidiaries provide insurance , Investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance,annuities,mutual funds, pension, and retirement related investments.
Guardian Life Insurance Company
The Guardian Life Insurance Company of America (GLICOA) is a Fortune 300 company founded in 1860 in New York, New York. It is the fourth largest mutual life insurance company in the United States of America. Guardian has more than 5000 employees and more than 3,100 financial representatives and 86 agencies nationwide, working through 13 affiliate companies and subsidiaries. Guardian has nearly three million customers who hold the company’s individual life and disability income insurance and investments products (such as variable annuities, mutual funds, stocks and bonds.
Transamerica Life Insurance Co.
Transamerica Corporation is a holding company for various life insurance companies and investment firms doing business primarily in the United States. Transamerica began as a holding company controlled by A. P. Giannini, then head of Bank of America and founder of its predecessor, the Bank of Italy in San Francisco. As part of his vision of providing financial services to the general public, Giannini acquired Occidental Life Insurance Company through Transamerica Corporation in 1930. Occidental had first opened its doors to customers in 1906, and became prominent in the life insurance business on the West Coast.
Protective Life Insurance Company
Protective Life Corporation, headquartered in Birmingham, Alabama, is a Fortune 1000 holding company whose subsidiaries provide financial services through the production, distribution, and administration of insurance and investment products. Protective Life Insurance Company was founded in 1907 by former Alabama Governor William Dorsey Jelks in Birmingham, Alabama. Protective Life is the parent company of a brokerage subsidiary, West Coast Life.
Genworth Life Insurance Company
Genworth Financial is an international financial services organization that offers a portfolio of primarily consumer-focused products through its various companies, including annuities, combination products, investment services, life insurance, long term care insurance, medicare supplement insurance, mortgage insurance, and payment protection insurance. Genworth Financial is headquartered in Richmond, Virginia, and employs over 6,000 people in 25 different countries. Its earliest roots go back to 1871, when the Life Insurance Company of Virginia wrote its first policy.. The company’s stated goal: “Genworth Financial is dedicated to helping individuals and families achieve their goals in a world of shifting financial burdens.”
MetLife Investors Group, a subsidiary of MetLife, Inc. (NYSE: MET), is dedicated to serving non-proprietary intermediaries and their clients. MetLife is a leading provider of insurance and other financial services to individual and group customers. The MetLife companies serve approximately nine million individual households in the U.S. and companies and institutions with 33 million employees and members. MetLife also has international insurance operations in 12 countries.
The history of Banner Life Insurance Company is more than 60 years strong. Chartered in 1949 as Government Employees Life Insurance Company (GELICO), we were acquired by Legal & General Group Plc as a wholly owned subsidiary in 1981. In 1983, our name was changed to Banner Life, signifying our flagship position with Legal & General America in the United States. Banner Life’s subsidiary, William Penn Life Insurance Company of New York, joined the corporate group in 1989. Since that time, management for both companies has been consolidated at the senior level. Banner Life’s national presence, William Penn’s more than 45 years of brokerage experience and the operational synergy between both companies is a strong combination. Banner’s life insurance products are sold through independent life brokerage agencies in 49 states and the District of Columbia.
Destined to become a leading insurance company, Midland National Life Insurance Company had a very humble beginning. On a late summer evening in 1906, a group of six men gathered at the Smead Hotel in the city of Lead in the Black Hills of South Dakota and founded Dakota Mutual Life Insurance Company. To capitalize the new company, the directors were required to apply for a $1,000 life insurance policy, and to pay an assessment of $300. Later that month, the company opened its offices in Watertown, South Dakota. Today Midland National has more than $113 billion of life insurance in force, and its life and annuity policies exceed 1 million. Licensed to operate in 49 states (New York is the only exception), the District of Columbia and several areas beyond the United States, the company underwrites individual life insurance and annuities, with a focus on asset accumulation and protection products for the middle-income and affluent markets, via its more than 10,000 licensed sales professionals.
West Coast Life Insurance Company
In 1997, West Coast Life Insurance Company became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders.West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of over 200 years in the life insurance business in America. West Coast Life’s history includes more company “firsts” than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family.