Health – For Me

Health Insurance

As your trusted Texas insurance agents, we know that finding the most reliable and affordable health insurance policy isn’t easy—precisely why we want to be on your side, fighting to get you the complete coverage you deserve. It is nearly impossible to live without health insurance these days. With the rising costs of health care – and the heavily debated government-backed initiatives – many people are finding it difficult to find affordable Texas health insurance that doesn’t force them to sacrifice quality care.

 

There are numerous reasons why Americans are looking for reliable healthcare. Whether it’s because your employer or company does not offer health coverage, or you are self employed, you may find yourself in a position where you need to seek your own medical coverage. Our Texas health insurance policies are fully customizable – easily tailored to match your unique needs – and most often provide coverage for:

 

  • Doctors visits
  • Prescriptions
  • Medical Testing
  • Specialized care
  • Surgical procedures

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It’s also important to consider your financial situation, as well as the health of both you and your family members when searching for the perfect Texas health insurance plan. Most often you can typically choose between two types of health care coverage:

 

  • Indemnity Plans (or Fee-for services plans)
  • Cafeteria/Flexible Spending Plans
  • Indemnity Health Plans
  • Basic & Essential Health Plans
  • High Deductible Health Plans (HDHP)
  • Health Savings Accounts (HSA)
  • Managed Care Plans
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPO)

Medicare & Rx

If you are 65 or soon to be, chances are you given some thought about Medicare. However, have you given any thought to what you might do if your healthcare costs exceed your Medicare allowances? This is where Medicare products come in! Generally, the government supplies Medicare which covers about 80 percent of your healthcare costs. Our Medicare Supplement Insurance can cover the other 20 percent. If you find yourself unable to cover the cost differences for your doctor visits, prescriptions, etc, then Medicare Products are exactly what you need! Shopping for Medicare Products does not have to be difficult. We are here to help with the confusion and questions that often come along with this task. Contact us today for more information about Medicare Supplement Insurance.

 

*Not connected with or endorsed by the United States government or the federal Medicare program.

Over the next decade, millions of Americans will be turning 65. So what does that mean for you and your future…ask yourself these simple questions:

 

  • Are you looking for relief from the high cost of medical premiums?
  • Are you frustrated with constantly increasing rates that are putting a strain on your budget?

Then now’s the time to consider the coverage options available to you—and at Benefit Resource Group we’re here to help you navigate through the medical insurance arena. Not only do we offer effective, reliable Texas Medicare supplement policies – but we are fully capable of handling your Medicare needs all across the country. Here at Benefit Resource Group when enrolled in our Medicare Supplements program you will enjoy local, knowledgeable customer service, a comprehensive network of doctors as well as an unparalleled hospital network, in which you will receive nothing but the best care.

Short Term Health Insurance

Just graduating College? Recently out of the military? Waiting for your new employer’s group health insurance to cover you? There are several times throughout our lives when we will need Short Term Health insurance. You can’t afford to be without health coverage for even one day in today’s world. Medical bills in the United States can wipe out even a substantial savings account in a matter of weeks. The cost of a short term policy is minute in comparison to the financial devastation you can incur without coverage. YOU choose the length of time you need to be covered; it can be as short as 30 days or up to a year. Call our Short Term agents today for an instant quote.

Dental Insurance

Dental health is a vital component of your overall well-being. Tooth decay can be a contributing factor in a number of ailments, from gingivitis to heart attacks. It’s crucial you don’t shortchange your teeth – or your health – by neglecting to secure a viable Texas dental insurance plan. Dental insurance works a lot like most other types of medical coverage. You pay a monthly premium for the coverage itself, and in turn the policy covers many of your related dental costs. A quality, comprehensive Texas dental insurance plan should cover all, or nearly all of your basic dental procedures, such as office visits and cleanings.

At Benefit Resource Group, we can match you to premium, affordable carriers who can deliver the quality dental insurance you deserve—and better yet, we have the ability to provide you with competitive Texas dental insurance quotes online; allowing you to secure a policy with us from the comfort of your own home! Don’t wait any longer – speak with one of our dedicated agents today regarding your needs for dental insurance! TX residents are encouraged to contact Benefit Resource Group for your free Texas dental insurance quotes and more information on the dental coverage we can offer all of our clients statewide!

Critical Illness Insurance

Every day, too many American men and women hear the life changing words, “You have cancer”. Many people just like you will suffer a heart attack, or have a stroke and need to be transported to the hospital. At Benefit Resource Group, we know it’s important that you take full control over protecting your life and your future—starting with specialized critical illness insurance. Many people across the country, lack the insurance protection they need when a major medical illness strikes—and many more suffer through major health issues without any sort of coverage at all. At Benefit Resource Group we firmly believe that everyone should have the opportunity to secure the critical illness insurance they need to help mediate the gaps and extra coverage expenses related to severe illnesses.

Costly illnesses such as cancer, heart attacks and strokes can result in financial hardships and personal bankruptcies. Even with an excellent health insurance policy, there are deductibles and co-pays that need to be cover. Americans are typically held accountable to pay for specialty care, medicine and treatments not covered under your standard health insurance policy. Your paycheck may stop or be reduced, but on top of your medical bills, you’ll still be responsible for the rent or mortgage, car payment and daily living expenses. The financial strain on a self employed individual or business owner can be disastrous, to say the least. There are two main ways critical illness insurance will work to cover you and your loved ones:

  • Helps Pay Expenses
  • Guaranteed Renewal – as long as your premiums are paid, you have the right to renew and cannot be turned away.
  • Can Cover Most Critical Conditions – cancer, heart attack, stroke, and more…
  • Benefits are Paid Directly to You

 

At Benefit Resource Group, we can show you an affordable way to collect a lump sum cash benefit in the event you are diagnosed with a critical illness or serious condition. Critical illness insurance most often pays cash benefits even if you make a full recovery. Contact Benefit Resource Group today, for a free quote and more information about the policy options we offer for dependable, trustworthy critical illness insurance coverage.

Long Term Disability

With approximately 30 million Americans turning 65 during the next ten years, it’s expected that by 2030 one in five people will be a senior citizen. This means the diagnosed rates of Multiple Sclerosis, Alzheimer’s, osteoporosis, and stroke are bound to increase as well. While viable healthcare will take care of you now, how will you account for care in the long term? The common misconception is that Healthcare or Medicare will take care of you as you age. The truth of the matter is Healthcare providers don’t pay for long term care – and there are severe income requirements in order to qualify for Medicare.

At Benefit Resource Group, we are committed to helping you find affordable Long Term Care Insurance. Few of us actively look forward to a future spent in a nursing home or care facility, but if we don’t plan for our care now, we won’t have many choices down the road. As it stands now, the cost of Long Term Care is underpriced. But, as the Baby Boomers inch closer and closer to retirement, the costs are projected to rise dramatically. Contact Benefit Resource Group today and let’s begin addressing your Long Term Care needs for tomorrow.

Long Term Care

There are no state laws that require employers to provide long term disability insurance: Are you covered? Although some states do require that employers provide short term disability insurance, none of them require long term coverage. Should you be injured or have a medical issue that requires you to be out of work on a long term basis, you could find yourself without any income replacement. Your employer is not responsible for providing you with long term disability insurance; it is your responsibility to cover yourself. Can you afford to be without your income for that long?

 

Texas long term disability insurance can help replace anywhere from 60-70% of your income, as with short term disability insurance. However, long term disability can cover an expanded period of time. Not every injury or health issue that causes you to miss work is short term, and at Benefit Resource Group, we understand that. We can create comprehensive Texas long term disability insurance lines that cover you for the entire period of time you have to miss work and/or cannot perform the duties defined by your employment. Contact the agents at Benefit Resource Group for more information and a free quote on Texas Long Term Disability Insurance today!