Health Insurance
McAllen

What Is Health Insurance?

Health insurance is an agreement whereby the insurance company pays some or all of your and your covered family members’ medical expenses according to the terms of the policy. The amount that your insurance will pay depends upon a number of factors, including the following:

• The specific medical services you are receiving
• Your healthcare provider
• Your deductible
• Your out-of-pocket limits
• Other medical expenses incurred throughout the year
• And more

• Look at quotes side-by-side

  No more contacting multiple carriers to get comparable quotes. As a one-stop shop for insurance coverage, our experienced team gathers the very best deals for the customized coverage you need so you can choose from among many competitive offers. Easy-to-compare quotes and tailored coverage make getting the right insurance easy.

• Consider more than price

  As a full-service insurance agent, SafeGuard is committed to tailored insurance solutions. No more finding quotes that offer too much or too little coverage. No more comparing quotes based only on price. Our dedicated team finds the solutions you need so you can look beyond price to get total peace of mind.

• Is health insurance required in Texas?

  Health insurance is not required by state law in Texas, and you will not pay a penalty on the federal level for not having health insurance. However, this type of insurance can provide significant financial protection for medical bills of all kinds.

• How can I get coverage that meets my needs?

  Many factors can determine what coverage works best for you. Our insurance agents work hard to find the coverage that meets your requirements and your budget.

• What do the terms “in-network” and “out-of-network” mean?

  Some insurance policies provide the most coverage when you use providers who contract with your insurance company. These are called ‘in-network providers.” “Out-of-network” providers do not contract with your insurance company and you may receive less or no coverage for services received from them.

• Reevaluate your coverage with life changes

  Life happens. When it does, your insurance needs may change. What life changes may lead to insurance changes? Marriage, divorce, home renovations, purchasing or selling a house, starting a business, buying a luxury item or vehicle, getting a pet, and more. Here at SafeGuard, our professional team is ready to adapt your coverage at any time. Just give us a call!

• Weigh the benefits and discounts

  With multiple competitive quotes to choose from, you can easily compare the benefits, discounts, and prices of each to find the very best deal. Our team uses our established relationships with carriers to get you the lowest rates and the most favorable discounts. All you have to do is consider your options to find the perfect insurance solution for you.

• What will my health insurance cover?

  The specific coverage you receive will depend upon your specific health insurance policy. We will do our best to help you find insurance that meets your needs. Once you have a policy, you can always check with your insurance company to get information on how they will cover certain providers, procedures, and other healthcare expenses.

• Will health insurance cover my prescription medications?

  Most health insurance plans do cover many prescription medications.

• What is the deductible on my health insurance plan?

  Your deductible is the amount of money you must pay before your healthcare coverage begins. This deductible can vary from plan to plan. You may also have different deductibles for general practitioners vs. specialists, have individual deductibles for each person on your plan, and/or one deductible that the whole family meets for the year. Ask your insurance agent to walk you through your deductibles for your insurance plan.