eTXHealthinsurance Offers New Resource to Answer Health Insurance Questions as Official Program Ends

PRLog (Press Release) - Jan. 17, 2012 - The Texas Consumer Health Assistance Program may be in danger of closing, but it is not the only way to find coverage while keeping out-of-pocket costs and premiums low. eTXHealthinsurance specialists rigorously compare options from different insurers while educating Texans on how they can get the most coverage for the lowest price.  Like the program, eTXHealthinsurance assists with applications and appeals, and these specialists can also advise which companies have the most flexible medical underwriting standards. eTXHealthinsurance also offers resources that can cut the cost of hospital charges, imaging scans, lab work and prescriptions that are not covered by insurance.

With Texas having the highest percentage of uninsured in the nation (24.6 percent), many residents need help to decipher how coverage works and determine what plans cover.  eTXHealthinsurance’s assistance parallels services offered by the official state program.  By combining ideas to minimize premiums and rate hikes with wholesale rates for many forms of health care that are not always covered by health insurance, eTXHealthinsurance has put together a comprehensive online guide. For questions not answered on the website, Texans can schedule free consultations with agents who operate independently from Texas health insurance providers.

Consultations help in two ways.  eTXHealthinsurance specialists are free to compare policies from various insurers, advise Texans about coverage gaps they may not notice, and suggest what procedures to follow if they have a dispute with an insurer.  An intermediate advisor can save Texans thousands of dollars, especially now that the chance of mistakes is high while people are learning to deal with new reform mandates.

Many claims go unpaid due to something as simple as errors in billing codes, but policyholders may not catch these. They may be completely unaware of ruling mandates, as was the case for an insured couple making payments for an unplanned C-section. Even though their plan did not include maternity benefits and the claim for the C-section had been denied, complications of pregnancy had to be covered.  After a free consultation, review of multiple billing errors and communication with the insurer, the cost of the C-section was covered.  

Wiley Long, the president of eTXHealthinsurance says, “Good agents can be worth their weight in gold not only when you’re shopping for coverage, but also down the road when you have claims. When you apply, a good agent will advise you how to decrease the odds of getting a counteroffer for a higher than standard premium or having an exclusion placed on pre-existing health problems. A very good agent will also have a lot of experience appealing these decisions and may be able to help get that policy issued at the standard rate.”

Texans can find many ways to cut the cost of health insurance at www.eTXHealthinsurance.com/The-eTXHealthinsurance-Complete-Protection-Strategy.htm or use the toll-free number (1-866-585-7664) to ask questions or schedule free consultations. If they have medical bills that are not covered by insurance, they can also find various helpful resources, such as medical bill negotiation services. Information on professional negotiation is available at www.eTXHealthinsurance.com/member-benefits-bill-review.htm. Additional information regarding wholesale rates for imaging scans, lab work and prescriptions can also be found at www.eTXHealthinsurance.com/additional-benefits.htm.

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About eTXHealthinsurance:

eTXHealthinsurance has become a leader in providing educational resources that enable Texas families, individuals and small businesses to keep their health care costs low. Online information explaining how to keep premiums and out-of-pocket costs down is available at www.eTXHealthinsurance.com/how-to-guide.htm and www.eTXHealthinsurance.com/health-savings-accounts-in-texas.php.

Texas residents seeking health insurance options in the individual market may use eTXHealthinsurance online resources to compare plans and apply online. Individuals and small companies may also schedule consultations with professionals to compare coverage options by calling 1-866-585-7664 between 9 AM and 11 PM Eastern.

eTXHealthinsurance also provides tools to lower healthcare costs that are not covered by insurance at www.eTXHealthinsurance.com/additional-benefits.htm.