Best Health Insurance Agencies in League City

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• In League City, do plans sold on the federal health insurance marketplace cover abortion?

  It depends. In general, health plans sold on the federal health insurance marketplace are not required to cover abortion except in some cases. Abortion is legal when the mother's life is in jeopardy or when there is incest or rape. A consumer in League City who shops for insurance on the federal marketplace can check whether a plan provides abortion coverage other than the previously mentioned exemptions. They can look for "plan details" and click on “other services."

• Can you sue an insurance company over a health claim dispute in League City?

  Legal action may be the last alternative for the insured person in League City. The insured should file an appeal with the insurance company to resolve a health claim dispute. If unsuccessful, a complaint can be lodged with the government agency responsible for regulating the type of insurance. Another method is going through an external review. When the insured has exhausted all these means, they can talk to a lawyer about their legal options. Alternative dispute resolution methods can also be used to settle matters out of court.

• What kind of information and documents should you be ready with when applying for Medicaid in League City?

  Be ready with information such as Social Security numbers, family member's birthdates, and the current value of assets such as a home, car, or other property. You should prepare documentation on how much you earn, where you live in League City, your immigration status or citizenship, and if you have any money at the bank. These documents include pay slips, unemployment checks, rent receipts, property deeds, rental contracts, and bank statements.

• Can you choose a primary care physician if you have an HMO plan in League City?

  Yes, you can choose or be assigned a primary care physician if you have an HMO plan. Note that different types of doctors can be PCPs, and they can be pediatricians, OB/GNYs, internal medicine specialists, and family medicine practitioners. Use the insurance company's directory to find a PCP in League City who can best address your needs. The PCP is generally your first point of contact for your health issues, but they can make a referral to a specialist when necessary.

• What can one in League City get if they enroll in Medicaid Buy-In?

  Medicaid Buy-In provides low-cost Medicaid benefits to working adults with disabilities. Some services covered under the MBI program are regular checkups, diagnostic tests, hospital services, and speech therapy. Vaccines, medicines, and mental health care are also covered. To apply for MBI, call 211 or visit a local HHS office nearest League City.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.