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Texas Small Group Insurance
We have everything you need! EXPERIENCED, COMMITTED  & offering old fashion personal service! Health and Life Insurance Expert Serving Texas Residents Since 1999
Fast & Free quotes with multiple carriers easy to apply	texas group insurance Texas Small Group 2-50 employees
Texas insurance law allows a wide array of small employer health care coverage plans and packages. This means that finding the right employee health plan at the right price can be challenging. But it also means that small employers who take the time to search carefully can find plans that suit their – and their employees’ – needs. When choosing a health plan for your small business, it pays to shop around. In Texas, the term “small employer” as it relates to insurance means a business with two to 50 eligible employees. The law provides some added protections to these businesses, including a 15 percent annual cap on rate increases due to health factors, a state-enforced guarantee that carriers cannot arbitrarily discontinue coverage, and a cooperative purchasing provision that lets small employers pool their purchasing clout to negotiate lower rates. For employees of small businesses, the law provides several ways to maintain benefits after leaving a job and limits the waiting period before a health plan will cover pre-existing conditions. Beyond these requirements, small-employer carriers may offer a wide variety of plans, with virtually any combination of features and benefits. We provide a wide-range of affordable insurance plans. Whether you have two employees or more, our coverage options are truly an excellent benefit for your staff. If you would like a group quote select this link: Small Employer Insurance group request   Group health plans Group plans are commonly offered by employers as part of an employee benefits package.  Most Texans with health coverage are in employer-sponsored group plans, through either their own employer or their spouse’s employer. The state and federal laws for group plans are somewhat different depending on the size and nature of the group. Texas law contains special provisions for plans offered by small businesses. For instance, some state-mandated benefits that must be included in plans offered by large employers do not have to be included in small-employer plans. Employers and groups aren’t required to offer health coverage to their employees and members. Those that do are not required to contribute toward plan premiums. Some carriers, however, may require employers to pay 50 percent or more of an employee’s premiums. Small-employer plans are plans sponsored by businesses with between two and 50 eligible employees. Eligible employees must be full-time employees who usually work at least 30 hours a week. In addition, they may not have health coverage through some other source and must not be seasonal, part-time, or substitute workers. If a small employer offers a plan, it must be made available to all eligible employees equally.   texas health insurance Individual & family health insurance    texas medicare supplement insurance Senior health texas group insurance Texas Small Group 2-50 employees texas dental insurance Dental plans for  beautiful smiles texas life insurance Protecting our loved ones travel health insurance International travel health insurance texas student insurance Student health insurance plans texas short term insurance Texas Short Term health plans texas insurance product list       Are your Eligible? Eligibility Tool can help you determine whether you qualify for Medicare.  Then you decide if you need a Medicare Supplement policy or Medigap Insurance. 2010 Choosing a Texas Medigap Policy: A Guide to Health Insurance for People with Medicare. This is the official government guide with important information about: what a Medigap (Medicare Supplement Insurance) policy is, what Medigap policies cover, an individual's rights to buy a Medigap policy, steps to follow when he/she buys a Texas Medigap policy and switching Texas Medigap policies. 2010 Medicare & You: This is the official government handbook with important information about the following: what's covered, preventive services, health plans, prescription plans, and member rights and appeals.
Small-Employer Coverage Eligibility Texas businesses with two to 50 “eligible” employees may obtain small-employer coverage from either a traditional insurance company or a health maintenance organization (HMO). Eligible employees are those who usually work at least 30 hours per week; are not temporary, part-time, or seasonal; and are not already covered by another group health plan. Sole proprietors, partners, and independent contractors are also eligible employees if they are included as employees under a small employer’s coverage. A business’ owners count toward the employee total. Learn More Types of Plans Health plans are classified as either “state-mandated plans” or “consumer choice plans.” A state-mandated plan provides certain required minimum features and coverages. A consumer choice plan is any plan developed by a carrier that excludes some state-mandated benefits. You will generally have a lower premium for consumer choice plans. Learn More Shopping for Coverage Because premiums, deductibles, copayments, and coinsurance levels can vary widely from plan to plan, it pays to shop around. When shopping for coverage, keep these guidelines in mind: w Be sure you understand the full extent of each plan’s coverage when comparing plans and rates. If you decide to go with a consumer choice health benefit plan over one with all the state-mandated benefits, the carrier or agent is required to explain in writing which coverages you don’t have. w Plans with higher deductibles, copayments, and employee share of coinsurance generally will have lower premiums. Keep in mind, however, that your employees will also have to pay more out of pocket when they access services or benefits. Learn more Employee Signup and Waiting Periods New employees must be given at least 31 days from their start date to enroll in a plan. After this time, they may be required to wait up to one year for the next “open enrollment period” to join. Carriers must offer a 31-day open enrollment period annually.  You can choose to require your employees who enroll in a plan to wait up to 90 days before being eligible for benefits. During this period, the carrier may not charge you or the employee a premium. Learn more How Small Employer Plan Premiums are Calculated The rates for any given small employer plan are not solely determined by the benefits and deductibles of the plan itself. Certain objective “case characteristics,” along with any health status-related factors of your employees, may also be components in determining the premium rate for the small employer group. Case characteristics consist of age, gender, group size, industry, and geography. Carriers can use some or all of these five objective criteria: wAge of employees wGender  wNumber of plan participants  wIndustry wGeographic area  Learn More		We provide a wide-range of affordable insurance plans. Whether you have two employees or more, our coverage options are truly an excellent benefit for your staff. If you would like a group quote select this link: Small Employer Insurance group request

Why Work With Us? Our business was established in 1997 in Colorado adding our native State of Texas in 1999.  In 2001, we relocated to our permanent location in Texas.... How Our Services WILL Help You With over 50 top rated insurance companies and thousands of plans ... TRUE Dental Insurance Metropolitan Life Insurance Company 1.8 million members~No Waiting Periods~No Dollar Limits NO CHARGE: 2 Routine Cleanings, some Fillings, X-RAYS Over 345 Other Covered Procedures.

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Texas Health Insurance Testamonials This is not a paid endorsement I would like to express my appreciation to you for locating my health insurance coverage. Texas Health insurance purchasing tips Tip #1- BUY FROM GOOD COMPANIES! HSA iNFO Who Can Have a Texas HSA Health Savings Account Laid off and looking for health insurance There is an affordable solution!

 

  

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