Best Health Insurance Agencies in Lubbock

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.
  

• Can you keep your current health insurance plan if you move to Lubbock from another state?

  If you move to Lubbock from another state, you may be able to keep your current health insurance plan if it is a multi-state plan or if your insurer has a presence in Lubbock. However, it is critical to confirm this information with your insurance provider because certain plans may expire when you move or may not provide coverage in the new state.

• Can your health insurance provider cancel your policy in Lubbock?

  Yes, your Lubbock health insurance company has the option to change or discontinue your coverage at the end of your contract. However, they are required to notify you of the change in coverage. Your insurance provider may also cancel your policy or refuse to pay your claims if you intentionally provide false information or omit important details.

• Are there health insurance options for low-income individuals in Lubbock?

  Yes, Medicaid and the Children's Health Insurance Program (CHIP) provide health insurance to low-income people in Lubbock, including children, families, seniors, and people with disabilities. To be eligible, your income must be less than 198% of the federal poverty line. Adults may qualify for Medicaid due to factors such as disabilities, childcare responsibilities, age 65 or older, or participation in the Medicaid Buy-In program. Adults who are responsible for the care of children may also be eligible for Medicaid.

• Are employers required to provide health insurance to their employees in Lubbock?

  In Lubbock, businesses with fewer than 50 full-time equivalent employees (FTEs) are not obligated to provide health insurance. On the other hand, The Affordable Care Act (ACA) specifically requires applicable large employers (ALE) with 50 or more employees to offer health insurance that meets the minimum essential coverage (MEC) criteria.

• Can health insurance providers in Lubbock deny coverage based on pre-existing conditions?

  Health insurance providers in Lubbock are not allowed to refuse coverage or raise premiums based on pre-existing health conditions or disabilities. They are only allowed to consider factors such as your age, geographic location, tobacco use and cigarette smoking, and whether the policy is for an individual or a family when determining the cost of your coverage.

• 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.