Health Insurance for Married Couples Texas

Well as of JANUARY 2017 THE STATE OF TEXAS HAS BROUGHT BACK HUSBAND AND WIFE TWO MAN GROUP’S. This means I now can again write husband and wife group health insurance if they have a business and are listed as owners on the LLC. If you are not getting a subsidy and paying full price for your Obamacare HMO plan you can now take back your Heath Insurance and not let the government pick your Doctor’s. Call today 512-963-5000 or email me at STIBROKER1@GMAIL.COM for your custom quotes emailed to you. I have been a Health Insurance Broker for 25 years and I leave no stone upturned we it comes to my clients health insurance needs, since people have different health needs, some of them want to be athletic while others only need supplements for stress as kratom capsules and others. That’s right  Texas HAS made all the health insurance company’s that are pulling out of the ACA or as it has been called OBAMACARE to bring back Husband and Wife two man groups.Are you sick of not having a PPO to choose from? Well now Texas has reinstated the Husband and Wife two man groups. That’s right you can get the same Health Insurance plans that the big company’s offer. And to top it off the rates are the same as your crappy Obamacare Plan. Call today 512-963-5000 to get your custom quotes emailed to you and you can have a plan with all the doctors you want in your network.


Under Texas law, a small group carrier must issue coverage, consistent with TIC §1501.151, to a small employer with two or more employees, even if the employees are married to one another, also they will be eligible for a key person life insurance, the contract provides financial protection for the loss of a company owner, a business partner or a key employee, in which case the company is the beneficiary of the insurance plan. A small group carrier may not non-renew coverage for an existing small group because the state and federal definitions of small group differ. In addition, TIC §1501.108 gives a covered employer the right to renew its group health coverage unless the employer fails to comply with the terms of the plan. If you travel a lot, then you should consider getting International Insurance instead-.

Federal law (42 US Code 300gg-91(e)(1)(B)) allows a state to elect to regulate coverage offered to very small groups as coverage in the small group market, and Texas considers a group of two eligible employees to be a small group, regardless of marital status. The Texas Insurance Code does not exclude spouses from the definition of “eligible employee” or exclude such employees in defining “small employer,” and consistent with this 28 TAC §26.7(d), prohibits a small group carrier from denying two individuals who are married the status of eligible employee solely on the basis that the two individuals are married. Commissioner’s Bulletin # B-0035-01 provides additional guidance regarding this requirement, if you are on the need of terminating your marriage learn about attorneys and divorce.

Federal law states that carriers must offer premiums on a per-member basis, but may also offer composite premiums as an option.  Federal law also requires that the composite option be made uniformly, i.e. if a carrier offers composite premiums to one small employer in Texas, it must make that option available to all small employers in Texas.  See p. 13750 of the HHS Final Rule.

Does this method apply to plans purchased on the SHOP exchange?

Based on information contained in the March 10, 2015, response from CMS, the SHOP exchange will not use composite premium methods for the 2015 plan year.  The response also stated that the SHOP exchange will use the federal default composite premium method for the 2016 plan year.

How does the alternative 4-tier composite methodology differ from the default federal methodology?

The federal methodology consists of two tiers: one for adults age 21 and older, and another for children under the age of 21.  The methodology approved by CMS for Texas consists of four tiers: employee, employee + spouse, employee + children, and employee + family, with tier factors of 1.0, 2.0, 2.0, and 3.0, respectively.  In either methodology, federal law requires that the sum of the per-member premiums must equal the sum of the composite premiums for every small employer.

Yes. Texas law (TIC §1205.002) requires carriers to continue issuing certificates of creditable coverage, “as necessary.” However, given the reduced need for these certificates, TDI will consider carriers in compliance if they provide certificates of creditable coverage upon request, consistent with 28 TAC §21.1103(b).

If you are looking to START a group plan. BEFORE you decide on a voluntary or major insurance plan, use our Free program. Avoid paying or having your employees pay for certain benefits that you can get for FREE!

We understand, as companies develop and grow so do their insurance needs. We have contracted with many companies in all insurance markets. We allow you the ability to carry all your coverage through one agency.We offer elite access to our broker partnerships that will help your company find ways to save income through your payroll infrastructure.Each Employee will have direct access to our account management team to assist with claims, policy changes, policy questions or policy benefits.

Once the free health and voluntary benefits programs are setup, now you should look into major benefits mandated by Obamacare. You have more options now than ever before, specially with Canadian Pharmacy, which grants you access to a broad selection of medicine and offers you the best prices on the market.

Husband and Wife Two Man PPO Health Insurance

Obamacare Texas Rates 2018

Well Texas Rates are here. CLICK the INSTANT QUOTES tab at the top and run your rates and sign up in five minutes. Continue Reading

Texas Health Insurance 2018 Open Enrollment Obamacare Here

Texas Health Insurance 2018 Open Enrollment Obamacare Here Continue Reading

Husband and Wife Two Man PPO Health Insurance in Texas is back

Husband and Wife Two Man PPO Health Insurance in Texas is back Are you fed up with the Obamacare HMO Plan that you had to choose this year? Tired of not having the Doctors that you want to see in your network? Do you want your PPO PLAN BACK. AS OF JANUARY 2017 THE STATE… Continue Reading

Texas Health Insurance 2019 Obamacare OPEN ENROLLMENT

Texas Health Insurance 2019 Obamacare OPEN ENROLLMENT Well Texas Rates are here. CLICK the INSTANT QUOTES tab at the top and run your rates and sign up in five minutes. Open enrollment for 2019 marketplace plans in 41 states ends in the early-morning hours on Saturday. But some people will get more time to sign… Continue Reading

Special Nutrient Needs of Older Adults

Eating right and staying fit are important no matter what your age. As we get older our bodies have different needs, so certain nutrients become especially important for good health. Having fun is also important to keep our bodies healthy. Know Your Fats Foods that are low in saturated fats and trans fat help reduce… Continue Reading

Texas Health Insurance Marketplace for Neurology

The Affordable Care Act will expand health insurance coverage by establishing a Health Insurance Marketplace in every state Continue Reading

Cigna Go You

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here….. Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. THE PCIP PLAN ENDED IN FEBRUARY 2013….YOUR NEXT  CHANCE IS OCTOBER 2013. BOOKMARK THIS PAGE… Continue Reading

Private Health Insurance Benefits and Cost-Sharing Under the ACA

Exchange rates in texas… Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..     Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. THE PCIP PLAN ENDED IN FEBRUARY 2013….YOUR NEXT  CHANCE… Continue Reading

Texas Slow on Health Care Reforms

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..   Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. THE PCIP PLAN ENDED IN FEBRUARY 2013….YOUR NEXT  CHANCE IS OCTOBER 2013. BOOKMARK THIS… Continue Reading

Is Texas Health Insurance Right for you

The reality regarding purchasing Texas Health health insurance is the fact that many people obtain the first plan they see. It normally won’t even consider other plans also right for them. For many, they take advice from local agents who lack experience and specialty area. They choose the very first insurance policy offered. For the… Continue Reading

Employee Health Insurance Texas

Good health is the gift that keeps on giving. Not only do you feel better, you probably paid less for health insurance than some of your co-workers. In recent years, many large employers have passed on the rising cost of health insurance in the form of higher deductibles and co-payments — costs borne primarily by… Continue Reading

Texas Health Insurance Rebates 2012

It may sound too good to be real, and when Texas government bodies get their way, it will not happen.About 690,000 customers are slated to obtain an believed $160 million in rebates from health insurance providers by August. 1. 2012 However the Texas Insurance Department really wants to slash that amount by three-fourths and phase… Continue Reading

Texans who buy their own health insurance

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here….. Texans who buy their own health insurance could be due an estimated $481 million in refunds over the next three years, thanks to the Affordable Care Act (ACA), the much-maligned national health reform law. Unfortunately, some Texas officials are trying to… Continue Reading

Can I get health insurance if I am Pregnant

Maternity Coverage in Texas Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here….. If you are pregnant and do not have Health Insurance there is a Insurance plan that will cover you. The new Texas Pre Existing Condition Health Insurance plan is your answer, for more info visit the hospital… Continue Reading

Pre-Existing Condition Insurance Plan: More People Sign Up, But Enrollment Still Low

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..   Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. CLICK HERE TO TALK TO A TEXAS INSURANCE BROKER THAT IS APPROVED TO SEE… Continue Reading

Perry says no to ‘Obamacare,’ but what’s his plan?

Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. THE PCIP PLAN ENDED IN FEBRUARY 2013….YOUR NEXT  CHANCE IS OCTOBER 2013. BOOKMARK THIS PAGE AND CALL ME IN OCTOBER 2013.512-963-5000 SCOTT With the highest percentage of uninsured residents,… Continue Reading

Why Texas has the highest percentage of uninsured people in the U.S.

  There are a lot of Texas statistics that we’ll hear about this campaign season. You can expect Texas Gov. Rick Perry (R), for example, to bring up how his state has generated 37 percent of the country’s new jobs since 2009. Here’s one statistic, though, you won’t hear him touting: Texas has the highest… Continue Reading

Appeals court rules against Obama healthcare law

  An appeals court ruled Friday that President Barack Obama’s healthcare law requiring Americans to buy healthcare insurance or face a penalty was unconstitutional, a blow to the White House. The Appeals Court for the 11th Circuit, based in Atlanta, found that Congress exceeded its authority by requiring Americans to buy coverage, but also ruled… Continue Reading

20 in South Texas Plead Guilty to Insurance Fraud

Federal authorities say 20 South Texas residents have been convicted for their roles in a scheme to defraud the American Family Life Insurance Co. In mid-June, 36 people were indicted on accusations they participated in the scheme designed to defraud Columbus, Ga.-based AFLAC millions of dollars by filing false claims, the Associated Press reported. According… Continue Reading

Texas Health Insurance Agents Advocate HSA Plans as Deterrent to Rising Health Care Costs

Texas Health Insurance Agents Advocate HSA Plans as Deterrent to Rising Health Care Costs Texas Association of Health Underwriters call for legislative action and consumer consideration. As health care costs continue to rise, the Texas Association of Health Underwriters (TAHU) is calling attention to high-deductible health plans linked to Health Savings Accounts (HSAs). The professional… Continue Reading

Texas refuses to launch health insurance exchange

Texas declined to create a health insurance exchange during the legislative session that ended June 30, but the state did advance its own version of accountable care organizations. Gov. Rick Perry strongly opposes the health system reform law and threatened to veto any legislation that would help implement the law’s health insurance exchanges. The exchanges… Continue Reading

Texas Falling Behind in Employer-Based Health Insurance

  AUSTIN, Texas – Availability of employer-based insurance coverage is significantly less in Texas than the national average, according to a study released this week. The report shows a big drop-off in the way most American families traditionally have gotten their health insurance – through their employers. Lynn Blewett, who helped conduct the study for… Continue Reading

Man robs bank to get medical care in jail

  Some people who need medical care but can’t afford it go to the emergency room. Others just hope they’ll get better. James Richard Verone robbed a bank. The robbery was all taken in a cctv camera which was installed by SecurityInfo ( Earlier this month, Verone (pictured), a 59-year-old convenience store clerk, walked into… Continue Reading

3 Million ‘Middle Class’ People Could Get Nearly-Free Care:Major Glitch Found in Obamacare

The change would affect early retirees: A married couple could have an annual income of about $64,000 and still get Medicaid, said officials who make long-range cost estimates for the Health and Human Services department. Continue Reading

Another Pricing Test for Insuring People With Pre-Existing Conditions

  Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. CLICK HERE TO TALK TO A TEXAS INSURANCE BROKER THAT IS APPROVED TO SEE IF YOU QUALIFY FOR THIS PROGRAM. CLICK HERE TO REQUEST IF YOU QUALIFY  … Continue Reading

Built To Fail: Health Insurance Exchanges Under The Affordable Care Act

Just in….exchange rates in texas…CALL ME  512-963-5000 Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..   At the end of the year Health Insurance is going to change as you know it. Everyone of you are going want additional info and will have loads of questions when your current plans… Continue Reading

‘Hidden’ health care costs can sneak up on patients

Having upbeat protection does not always intend eudaemonia like is affordable. In gain to premiums, there are a slew of costs to discourse with — from deductibles and co-payments to denuded therapies and medicines. Personally before even thinking on purchasing a medicine I always check the possible side effects and reviews at spark health md,… Continue Reading

The Small Business Jobs Act nixed the tax that self-employed workers pay on health insurance for 2010.

Paula Fleming, a freelance copy editor in Minneapolis, spends $3,600 a year on bare-bones health insurance for herself and her husband. For the 2010 tax year, for the first time, she could deduct that amount from her income when she pays the self-employment tax, the 15 percent levy all freelancers are required to contribute to… Continue Reading

Health Insurance Reform – What Does It Mean for Dental and Vision Plans?

Dental Insurance for Seniors USE ANY DENTIST YOU WANT…..No PPO LISTS CLICK HERE TO REQUEST AN APPLICATION Dental Insurance for Seniors UCT understands that with rising Healthcare costs, employees are dealing with reduced health benefits, loss of health benefits completely or they have to pay more to keep their health benefits. Basic Medicare does not… Continue Reading

Panel Named For Health Care Challenge

    The federal appeals court in Atlanta has named three judges who will consider the constitutional challenge to the federal health care overhaul.Eleventh Circuit Court of Appeals Chief Judge Joel Dubina of Alabama will sit on the panel with U.S. Circuit Judges Frank Hull of Georgia and Stanley Marcus of Florida.Dubina was a 1990… Continue Reading

Aetna Shareholder Meeting Halted By Protesters

  Aetna Inc.’s (AET) annual shareholder meeting was temporarily halted by a group of protesters calling for health-care reform. The meeting resumed a few minutes later, and police were called to the scene at a Philadelphia hotel. The meeting had just gotten underway and Aetna Chief Executive Mark Bertolini was speaking to shareholders when protesters… Continue Reading

Aetna profit windfall keeps health insurers rolling

Aetna Inc (AET.N) became the latest health insurer to tame investor fears that a health overhaul would crimp profits, particularly as it prospers from fewer Americans seeking care in the weak economy. The No. 3 U.S. health insurer posted first-quarter financial results and gave a full-year forecast that trumped Wall Street expectations, and its shares… Continue Reading

Critics of Health Care Law Raise Alarm About Medicare Doctor Reimbursements

The latest Medicare report shows tens of trillions of dollars in unfunded promises, but Rick Foster, the program’s nonpartisan chief actuary, says it’s actually worse than that because the report counted savings from a planned 29 percent cut in doctor’s payments. “That’s pretty unlikely to happen,” Foster says. “Congress has overwritten smaller payment rate reductions… Continue Reading

Insurers Getting Rich By Not Paying for Care

I’m betting that just about every executive of a for-profit health insurance company, whose total compensation ultimately depends on the value of their stock options, woke up on Good Friday considerably wealthier than they were 24 hours earlier. Why? Because of the spectacular profits that one of those companies reported Thursday morning. Among those suddenly… Continue Reading

Do you Know what the Obama Plans Cover?

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here….. Affordable Healthcare Reform Act. It is astounding to me how so few of you know about what the new “Obama” plans actually cover. Here is the list of benefits that are now mandated by the government to be covered by your… Continue Reading

What if an Arab-American ran for president?

There’s been a lot of talk in the past few years about Barack Obama’s unusual-sounding — to Western ears — name. It turns out one of the possible GOP presidential contenders, Mitch Daniels, might well have been named Mitch Esau — if the “Daniels” had not been tacked on to his Syrian grandfather’s name at… Continue Reading

No major reforms for Texas insurance regulation

  Republicans easily swatted down major changes to insurance regulation in a Texas House bill that would keep the current rules and bureaucracy in place. Deals like this have enabled some to take advantage and spend on other things like better car insurance for women. The bill continuing the functions of the Texas Department of… Continue Reading

GOP aiming to slip federal law with ‘compact’

  Under a bill pending in the state Senate, Texas could become the second state seeking to opt out of the new federal health care law by taking advantage of a clause in the U.S. Constitution allowing states to work together by forming a “compact.” The health care compact, as envisioned by Republican supporters, would… Continue Reading

When the patient needs a house call

Nobody likes taking time out of a busy day to cool their heels in a doctor’s waiting room. Now you may not have to. Some primary-care practitioners are bringing their black bags directly to home or office, in some cases for as little as $30 to $35 a visit. Experts agree that house calls are… Continue Reading

Force Is the Left Hand of Entitlement

Politicians love to boast of the benefits they shower on favored constituents with their right hand. But as with the amazing feats performed by magicians, the unwary audience is watching the wrong hand. It may seem that in government the right hand often doesn’t know what the left is doing. However, it is surely obvious… Continue Reading

Aetna boosts cat bond coverage for health insurance risks

Aetna Inc (AET.N) has returned to the catastrophe bond market with an upsized $150 million deal, after the U.S. health insurer decided to sell an extra layer of protection on its existing reinsurance programme less than five months after it closed its Vitality Re transaction. Standard & Poor’s (S&P) assigned BBB and BB+ ratings respectively… Continue Reading

Texas Senate approves health care payment reforms for doctors and hospitals

  AUSTIN, Texas (AP) – The Texas Senate unanimously approved two major bills that would reform how doctors and hospitals are paid or operate. Republican state Senator Jane Nelson said Senate Bill 7 would encourage greater efficiency in Medicaid services by reducing payments for preventable readmissions and complications. Medicaid patients would also be required to… Continue Reading

UnitedHealth CEO compensation grows 21 percent in 2010, matching the insurer’s profit increase

  Health insurer UnitedHealth Group Inc.’s earnings rose 21 percent last year and so did the compensation it gave CEO Stephen J. Hemsley. Hemsley, 58, received compensation totaling $10.8 million, according to an Associated Press analysis of a regulatory filing made Wednesday by the Minnetonka, Minn., managed care company. That’s up from $8.9 million in… Continue Reading

Cash Before Chemo: Hospitals Get Tough

Humana exchange rates here….. BLUE CROSS BLUE SHIELD (BCBS) exchanges rates here…..   LAKE JACKSON, Texas — When Lisa Kelly learned she had leukemia in late 2006, her doctor advised her to seek urgent care at M.D. Anderson Cancer Center in Houston. But the nonprofit hospital refused to accept Mrs. Kelly’s limited insurance.… Continue Reading

Health care cuts will leave state in critical condition, foes say

Deep spending cuts in the recently passed House budget would profoundly change the state’s medical system, placing tens of thousands of Texans in the difficult position of finding alternate care from a dwindling list of prospects, health care advocates warn. Much of the impact would be on elderly Texans, adults with disabilities, those in need… Continue Reading

Child-Only Insurance Vanishes, a Health Act Victim.

  Only months from their 65th birthdays and the switch from employer-offered health coverage to Medicare, Phillip and Diann Green of Forney realized they had a problem. After retirement, none of the state’s insurance companies will cover their 12-year-old granddaughter, Aria, whom they have raised since her infancy. Insurers in Texas and across the nation… Continue Reading

Former NHS director dies after operation is cancelled four times at her own hospital.

  A former NHS director died after waiting for nine months for an operation – at her own hospital. Margaret Hutchon, a former mayor, had been waiting since last June for a follow-up stomach operation at Broomfield Hospital in Chelmsford, Essex. But her appointments to go under the knife were cancelled four times and she… Continue Reading

The Comparative Roles of Navigators and Producers In an Exchange What are the Issues?

CALL 512-963-5000 FOR ALL YOUR OPTIONS IN AND OUT OF THE EXCHANGE. The purpose of this document is to identify and discuss issues surrounding the traditional role of Producers1 in the solicitation, sale, negotiation and servicing of health insurance in the individual and small group markets as compared to the expected role of Navigators2 established… Continue Reading

The NAIC task force set up to look at the MLR’s affect on broker commissions is going to hold a public hearing in Austin TX March 27th.

  Professional Health Insurance Advisors (EX) Task Force 2011 Charge The Executive Committee Task Force on Professional Health Insurance Advisors shall work in an expedient manner to identify, analyze and recommend options to the Executive Committee for addressing the negative impacts on health insurance brokers/agents, insurance consumers and insurance markets, prior to and as a… Continue Reading

Aetna sues over $59K ultrasound bill

Hartford managed care provider Aetna Inc. is suing six New Jersey doctors over medical bills it calls “unconscionable,” including $56,980 for a bedside consultation and $59,490 for an ultrasound that typically costs $74, Bloomberg News reports. The lawsuits could help determine what pricing limits insurers can impose on “out-of-network” physicians who don’t have contracts with… Continue Reading

Texas House committee approves health care bills

  Sorry for not been posting in a while, I got distracted playing video games with EloBoosting services from and from ElitistGaming. A Texas House committee, defying Washington, has approved legislation opposing elements of the sweeping federal health care legislation signed by President Barack Obama last year. People are also lured at online slots… Continue Reading

Republicans pushing Texas Health Insurance care opt-out bills

  AUSTIN, Texas — Republican lawmakers are pushing legislation to oppose federal health care mandates in Texas. Asserting national-like sovereignty in some cases, the lawmakers were debating a variety of bills Thursday in a state House Committee aimed at the sweeping federal health care legislation signed by President Barack Obama last year. Many Republican lawmakers… Continue Reading

Texas: One in three don’t have Health Insurance

  Texas, where three out of 10 adults do not have health insurance, has the highest uninsured rate, a U.S. poll indicates. The Gallup-Healthways Well-Being Index, conducted from January through December 2011, involving more than 350,000 interviews with U.S. adults from all states, indicates Mississippi and Louisiana have high rates of uninsured residents, with about… Continue Reading

Insured losses from Japan quake could hit $35 billion

  The earthquake that devastated parts of northern Japan caused as much as $35 billion in insured property losses, a figure that would mark Friday’s quake as the costliest ever for the insurance industry even before the effects of the tsunami are factored in, according to a disaster-modeling company. While the actual cost of the… Continue Reading

Control of Texas’ health care system would revert to state under proposal from Rep. Lois Kolkhorst challenging Obamacare

  Rep. Lois Kolkhorst has filed a bill asking that Texas join other states in wresting control of their health care systems from the federal government. In House Bill 5 by Kolkhorst, R-Brenham, Texas becomes the eighth state in which legislators are using Constitutional grounds to form interstate health care compacts that would supersede the… Continue Reading

Preemie birth preventive drug spikes from $10 to $1,500

A drug for high-risk pregnant women has cost about $10 to $20 per injection. Next week, the price shoots up to $1,500 a dose, meaning the total cost during a pregnancy could be as much as $30,000. But drug-treatment centres like Fort Lauderdale rehab prognosticate that that’s going to bade well for the people, as… Continue Reading

Budget cuts could hit retired teachers’ Texas health insurance

A possible spike in teacher retirements could drain the state fund that provides retiree health care within the next two-year budget, senators were told on Wednesday. As school districts have amped up their talk of layoffs in recent weeks, there is a growing sense that the number of teachers who choose to retire could increase… Continue Reading

Why Should I Buy Texas Health Insurance?

As judges around the U.S. weigh the constitutionality of the Affordable Care Act — Obama’s sweeping health care reform law — it’s worth asking how Europe navigated the same questions. The problem in most state challenges to the new law is the un-American-sounding mandate, the requirement that everyone in the nation must buy health insurance.… Continue Reading

Obama To Governors: Opt Out of Health Law If You Can Do Better

  President Obama is moving to quell a rebellion among the ranks of the nation’s governors, who want more of a say in how billions of dollars in shared health care dollars are spent. At a working session Sunday, several governors called for turning the joint federal-state Medicaid program into a system of “block grants,”… Continue Reading

Private Texas Health Insurance means you pay a lot.

  Barely had Ted Morton announced he would run for the Alberta Conservative leadership, than speculation began about his position on health care. The Friends of Medicare worry he might resurrect his position from the last leadership race, which was that Albertans should be able to buy private insurance to pay for private services. After… Continue Reading

Don’t Fight Crime with More Texas Health Care Mandates

  One of the little-recognized and often-overlooked facts about the high cost of health insurance is that states play a significant role in driving up those costs.  States also play a role in determining patients’ access to health coverage, doctors and even medicines—with cold and allergy products containing pseudoephedrine being the most recent example. For… Continue Reading

Senate propose their own health care overhaul for Texas Health Insurance

  AUSTIN — Texas’ government and private health insurance plans need new methods of paying caregivers, Senate Republican leaders said Wednesday. Doctors and hospitals should not be reimbursed for volume of treatment but for quality and good results for patients, said Lt. Gov. David Dewhurst and Sen. Jane Nelson, R-Flower Mound. They reintroduced two bills… Continue Reading

Insurance Training

  START YOU TRAINING HERE After a full year of research and development, Agent Navigator was launched in December of 2010. The goal is to become the premier website for education and information for all lines of insurance. Currently we support the life, senior and health insurance markets with property and casualty due to launch… Continue Reading

Money Won’t Buy You Texas Health Insurance.

THIS isn’t the story of a poor family with a mother who has a dreadful disease that bankrupts them, or with a child who has to go without vital medicines. Unlike many others, my family can afford medical care, with or without insurance. Instead, this is a story about how broken the market for health… Continue Reading

Texas has the highest percentage of adults and children without health insurance.

  Troubling report card A legislative study finds Texas stands out in too many bad categories. In its fifth annual report on the state of the state, the Texas House of Representatives Legislative Study Group composed of Democratic lawmakers takes a statistical look at how we stack up compared to our 49 U.S. counterparts. The… Continue Reading

Health care bills to change Texas payment system.

Two bills introduced into the Texas Senate would change health care billing procedures to encourage doctors to focus on patient outcomes, best practices and maintaining good health, Lt. Gov. David Dewhurst and Sen. Jane Nelson said on Wednesday. Dewhurst said the U.S. health care system was the most expensive in the world, yet produced poor… Continue Reading

Tomball center, other hospitals brace for cuts

  If the state slashes Medicaid payments to doctors, they may stop serving the neediest patients. Where will they go? In an era of overcrowded emergency departments, Tomball Regional Medical Center’s emergency room has become an efficiency leader, a model of how to quickly stabilize patients, move them to hospital beds and keep the waiting… Continue Reading

Texas Hospital Under Fire for Allegedly Discharging Surgical Patient Due to Immigration

  A Texas hospital is under fire for allegedly telling a surgical patient she had to leave the hospital immediately because she was an illegal immigrant. Maria Sanchez, 24, told the Houston Chronicle that she had been at John Sealy Hospital — part of the University of Texas Medical system — for six days when… Continue Reading

Texas should tackle its uninsured problem

State social services czar Tom Suehs says the Legislature should work on reducing Texas’ nation-leading share of its people lacking texas health insurance, no matter what the federal courts decide about the federal health care overhaul. Testifying at a Senate Nominations Committee hearing, where he was unanimously endorsed to serve a full two-year term, Suehs… Continue Reading

Second federal court finds healthcare law unconstitutional Texas Health

  AUSTIN — Upholding a legal challenge from Texas and 25 other states, a federal judge in Florida declared President Barack Obama’s landmark healthcare law unconstitutional Monday, saying Congress overstepped its power by requiring Americans to buy health insurance. The ruling by U.S. District Judge Roger Vinson was the latest in a series of conflicting… Continue Reading

Poor kids’ docs receive at least ray of hope/Texas Health Insurance

  Primary care doctors and physicians who are pediatric specialists received good news minutes ago when state social services czar Tom Suehs said his top priority is avoiding additional cuts in their fees from Medicaid and the Children’s Health Insurance Program. “I am very sensitive to access to care,” Suehs said, referring to Texas doctors’… Continue Reading

Medicaid cuts could lead to higher taxes, insurance premiums

  State lawmakers have proposed reducing entitlement, but health care experts warn maneuver could backfire. Even if you don’t rely on Medicaid, Texas lawmakers’ proposed cuts in the health care program could cost you money. Cutting Medicaid could have outcomes beyond fewer services for the poor, several local officials in the health care industry said.… Continue Reading

Florida Judge Rules Against ObamaCare, Calls Individual Mandate Unconstitutional

  Justice Roger Vinson of the U.S. District Court in Pensacola ruled today that the primary mechanism used by the health reform legislation to achieve universal insurance coverage–the individual mandate–is illegal. If his ruling stands it would void the 2,700 page, $938 billion health reform bill passed last year. “Because the individual mandate is unconstitutional and… Continue Reading

Texas Health Law Response Goes 2 Ways

  One House Republican wants to create the state Texas health insurance change required by the federal health care overhaul law for fear that the federal government will do it for Texas otherwise. Another has filed a bill that would make his colleague’s efforts — really, those of anyone trying to carry out “Obamacare” in… Continue Reading


SERVICES Basic dental care, mental health counseling, and primary medical care (family practice physicians, care management/social services, lab services, nutritional counseling, health education, referrals to specialty care). Seton Family of Hospitals provides primary medical care through Seton Community Health Centers, established to offer health care and social services to working and uninsured families in Central… Continue Reading

Texas Health Insurance Pool

      Guaranteed Issue Health Insurance Texas Now available to Texans that have A Pre-Existing Condition and have been declined. THIS IS NOT A DISCOUNT PLAN but the Government Guarantee Issue Health Insurance. CLICK HERE TO TALK TO A TEXAS INSURANCE BROKER THAT IS APPROVED TO SEE IF YOU QUALIFY FOR THIS PROGRAM. CLICK… Continue Reading

Let Texas control health insurance

While it is no secret that I oppose the federal health care reform bill, if we don’t act now to create the Texas Health Insurance Connector, our state could be forced to cede regulatory control of a significant chunk of its health insurance market to the federal government. The desire to avoid such oversight has… Continue Reading

Cancer costs could increase 66% by 2020

The costs associated with caring for cancer patients in the United States could increase as much as 66% by 2020, according to a study released Wednesday by the National Cancer Institute. The predicted rise in cost is due in part to the nation’s growing population of elderly, who are aging into a period of their… Continue Reading

Federal Judge Strikes Down Health Care Law

WASHINGTON — A U.S. judge in Virginia on Monday declared unconstitutional a key part of President Barack Obama’s landmark healthcare law in the first major setback on an issue that will likely end up at the Supreme Court. Read the Va. judge’s ruling on the health care law (.pdf) U.S. District Judge Henry Hudson, appointed… Continue Reading

Family Health Plan Premiums Increasingly Unaffordable!

  Jeff Elliott, for HealthLeaders Media, December 6, 2010 Family health insurance premiums for employer-sponsored plans rose 41% between 2003 and 2009, according to a study by The Commonwealth Fund. At the current pace, average premiums across the country would reach more than $23,000 per family by 2020, as detailed in the report. The net… Continue Reading

Why docs are running from Medicare

By MARC K. SIEGEL Last Updated: 12:23 AM, November 24, 2010 My Medicare patients — and those who’ll soon qualify — are worried. Will the doctors they’re used to seeing still be able to take care of them when big cuts in Medicare payments are constantly hanging overhead? Even if I keep seeing a particular… Continue Reading

Celtic HealthyTexas Launches New Website

AUSTIN, Texas, Oct. 19 /PRNewswire/ — Celtic Insurance Company, Inc. (Celtic) today announced the launch of its new, secure website to provide Texas small businesses with online rate quotes for Celtic’s HealthyTexas benefit plans which offer reduced premiums to eligible employer groups with 2 – 50 employees. Employers or agents can obtain a free… Continue Reading

Texas State Lawmaker, Governor Propose Withdrawing From Medicaid

  Written by Leigh Page | November 08, 2010 A leading Republican lawmaker in Texas, backed by Gov. Rick Perry, is proposing the state drop out of the Medicaid program and avoid upcoming mandates to expand state Medicaid programs under the healthcare reform law, according to a report by the New York Times. Medicaid is… Continue Reading

Health Care Reform Challenge REJECTED By Supreme Court

11/ 8/10 10:41 AM WASHINGTON — The Supreme Court has turned down the first preliminary challenge to President Barack Obama’s health care overhaul. The decision Monday to reject an appeal from a former Republican state lawmaker in California was no surprise because a federal appeals court has yet to consider the case. The high court… Continue Reading

Consumers who buy their own health insurance see steep hikes in premiums

By Jan Jarvis Mike Nash expected his monthly health insurance premium to increase a little next year. But when the 52-year-old Lockheed retiree got a letter saying it was going up 43 percent — from $171 to $244 a month — he couldn’t believe what he was reading. “This is absolutely outrageous,” said Nash,… Continue Reading

TDI Launches Healthy Texas

September 11, 2010 | Targeted News Service AUSTIN, Texas, Sept. 10 — The Texas Department of Insurance issued the following news release: Healthy Texas, a statewide public/private partnership established by the 81st Legislature, provides a new health insurance option for small employers in Texas. Eligible employers that purchase coverage for employees and their dependents through… Continue Reading

Rights and Health, Right Now, for Migrants

This article by Joseph Amon and Kanae Doi originally appeared in the October 27, 2010 edition of Africa Japan Forum “Africa Now” No. 89. The South African health minister, Aaron Motsoaledi, took the stage recently in Vienna to address the nearly 20,000 attendees at the 2010 International AIDS Conference. His presence was a testament to the… Continue Reading

Zero Premium Life Insurance

It has come to the attention of the Texas Department of Insurance (“Department”) that a nontraditional product is being offered in the Stranger-Owned Life Insurance (STOLI) market.  Texas agents are being solicited to assist in the sale of what are frequently called “estate maximization plans,” “zero premium life insurance” or “no cost to the insured”… Continue Reading

Texas Health Insurance Changes

On September 23, several changes to Texas health insurance effected every health insurance company in Texas. The changes steam from maximum payout policies , caps taken off drug cards to preexisting condition policies to eligibility requirements for guaranteed issue for children under 19 forcing insurance company’s to take child only policy’s off the market, but… Continue Reading