2404 IH 35 S.,
Austin TX 78704
Protection from the high cost of medical treatment if you have a major injury or illness. Health Insurance helps you access treatment by connecting you to a network of medical providers. It also helps you manage the cost of medical treatment with provider discounts and limits to your out-of-pocket costs.
Health Insurance 2014 - A New Market for Health Insurance
A massive change in how health insurance for individuals / families is marketed is now here for policies effective 1/1/2014. We will be offering both Marketplace (Health Insurance Exchange) and Off-Marketplace plans from both Humana & Blue Cross Blue Shield.
2014 Health Insurance Applications / Texas Marketplace - what is working
The new Federal Health Insurance Marketplace for individual plans is working sporadically in Texas. When applying, show the agent helping to be "David Crump" and NPN #1282537. This will enable me to help with your plan & network choice when you get to that stage of the application. I represent both Humana and Blue Cross Blue Shield via the Marketplace.
Outside of the Federal Marketplace
Both Humana and Blue Cross Blue Shield consumer links are working fine for applications outside of the Marketplace. If your income is beyond the level for an Advanced Income Tax Credit (see below), there is no reason to venture into the Federal Marketplace. With the problems still plaguing the new Government website, it would be better to apply outside of the Marketplace. Also, both Humana and Blue Cross Blue Shield have a wider range of plans available beyond the Health Insurance Exchange. Another reason to look outside of the "Marketplace" is the selection healthcare provider networks is broader.
Household income cut-off for Advanced Income Tax Credit (based on 2013 income):
- Individual (single person) household - $45,960
- Two person household - $62,040
- Three person household - $78,120
- Four person household - $94,200
I can send you a selection of plans to start your search. Please send a request via - Health Insurance Inquiry.
Our local health insurance specialist can find the best health insurance plan for you!
We welcome discussing the health insurance you need before you start an application. This will enable us to provide quotes tuned to what you want.
Why we're different from the other online health insurance site
- Selection Help - What health contract is the best fit? It's a complex choice - professional help makes a difference! Link: Health Insurance Inquiry
- Monitoring the application process - We know you want a quick result. By monitoring the application process, we can see any roadblocks quickly and alert you what is needed to avoid delays.
- Local friendly service for over 30 years.
- Visit us at our South Austin office - Map, Directions & Contact Information
What Type of Health Plan do you need?
Short-Term Health Plans: Just right for that gap between employer plans or short duration (less than six months) needs. The Short-Term plans will be discontinued 1/1/2014 (last enrollment 12/1/2013).
Major Medical Plans: Long duration protection for individuals and families who need to buy their own health insurance plan. Most Major Medical plans include Rx Drug co-pays and Doctor co-pay benefits which reduce the immediate cost of healthcare. In the new health insurance market starting 2014, most of the plans with Co-pays will be Gold or Platinum level plans.
High-Deductible Plans: Lower insurance cost but still important protection form the risk of a major injury or illness. These plans are available for either an individual or a family. Many High-Deductible plans are also Health Savings Account compliant letting you take advantage of tax savings. In the new health insurance market starting 2014, most of the High-Deductible plans will be either Bronze or Silver level plans.
International Health Plans: Health Insurance protection when you travel or stay abroad. We offer plans from HTH International for travelers, students and Americans living abroad. Apply for International Health Plan
Group Benefit Plans: Plans for Businessowners for their employees. We offer group plans from Humana and Blue Cross Blue Shield for Austin area employers. Benefits can include Health Insurance, Dental Insurance, Short-term Disability and Group Life Insurance. Email David Crump at firstname.lastname@example.org for more information on a Group Benefit program for your business or organization..
- Dental Insurance Plans: Insurance help to protect your dental health. Link: Dental Insurance
Ready to obtain a quote or start an application?
Link to health insurance quotes and then apply online from the insurance companies below:
Link to Blue Cross Blue Shield for an automated quote and then to apply on-line.
Currently has technical problem due to new 2014 plans. Please use Health Insurance Inquiry.
Important protection when you are traveling outside of the USA.
Need Help Before you Apply? - Health Insurance Inquiry
Provider Network Selection is Critical
It makes sense to select the insurance company first and apply via their link for your health insurance plans. The network selection is critical to the plan choice and the health insurance company selected is key to the network choice. With both Blue Cross and Humana, two different networks are offered in the Austin area. Either a broader PPO network (Off-Marketplace only for Humana) or a restricted HMO network (either On or Off Marketplace).
Important: Before purchasing a plan check that your preferred Hospital group and important healthcare providers are on-network. HMO plans (nearly all of the Marketplace selections) require you to use in-network providers only for anything other than emergencies and require referrals for specialist visits and most treatments. PPO plans will allow out-of-network providers but you will have a significant financial disadvantage to use them.
Humana's HMO "AustinHMOx" is geographically limited (Burnet, Hays, Travis & Williamson Counties) and uses the Seton Hospital network and the Austin Regional Clinic physician network. Like any HMO plan, you have to have a referral to visit specialists and most treatments. Also, no out-of-network benefits are available except in the case of medical emergencies.
Blue Cross Blue Shield HMO is call "Blue Advantage". Like other HMO's it restricts the healthcare providers you can use and requires a primary physician referral for treatments or visits to a specialist. "Blue Choice" is their PPO (Preferred Provider network) and will allow out-of-network providers but you will have a significant financial disadvantage to use them.
Health Insurance Resources
Health Insurance Companies
Here are the health insurance companies we represent:
Health Insurance News:
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