There are many advantages to having a health insurance plan that really works. With access to preventable and affordable prescription medicine, it’s easier to stay healthy. Unfortunately, many Dallas citizens don’t have those options. The percentage of uninsured Dallas residents is slightly higher than the state, whose uninsured rate is higher than the U.S. national average. Many city residents lack medical coverage because they aren’t aware of affordable Dallas, TX health insurance options. So where exactly can you find affordable Dallas medical insurance quotes?
An independent agent in the Trusted Choice® network can help you search for the right medical plan for you and your family. Even if your employer offers health coverage, it’s worth your time to explore options on the market. Additionally, your agent can answer your coverage questions, suggest sensible plans for your unique situation, and provide free Dallas medical insurance quotes from multiple companies. Find competitive rate quotes and excellent customer service when you contact a Trusted Choice member agent.
Why is the range of costs so large? Dallas health insurance coverage types, deductibles, and plan options can vary a lot. For example, there will be a large difference between a major medical plan that only requires a $500 yearly deductible and gives you $5 office visits than a plan from the same company which requires a $5,000 yearly deductible and gives you $45 office visits.
Adjusting plan options and coverage levels may be one tactic to help you find a good plan at a reasonable price. For example, you may save a lot on your premiums if you can choose a plan with higher deductibles - just make sure you can pay that deductible out of pocket. Your local agent can help you find reasonable coverage at the right rate.
There is not one best medical plan for every person. Your choice may depend on your budget, health, and the options that are available to you.
These are typical sources of medical plans in this city:
If you are employed by one of the big companies in the city, like Texas Instruments or the local school district, you probably have group medical benefits. In this case, it is likely your employer pays the majority of your premium. Nearly half of all U.S. workers obtain health insurance this way, but again, you may find more affordable health insurance elsewhere. Many group plans offer network-based health insurance, which may or may not work for you.
People who are self-employed, contract workers or people working for small companies without medical benefits may have to purchase their own medical benefits on the private market. If this is your only option for obtaining health insurance, contact a Trusted Choice member agent for help.
Note that it may be hard to find maternity coverage, for example, on the private market. If you decide to choose a private plan instead of a group plan, just be certain that it covers your family’s needs. The important thing is to find a plan that covers your family’s health and works with your budget. An independent agent can help explain various policy choices so you can make an informed decision.
Individuals and families with low incomes or those who were declined for private coverage may still have options. Things may be changing in the future due to the Affordable Care Act (ACA), but right now the state provides a high risk health insurance pool, Medicaid, and CHIPS (Children’s Health Insurance Program).
Note that the Texas Risk Pool is not a low income option, but simply provides access to private medical plans for qualified individuals. Some programs, like the Texas HIV Medication Program and the National Breast Cancer and Cervical Cancer Detection Program, can provide financial aid to individuals who qualify.
In addition, Project Access Dallas provides health care to uninsured low income individuals on a sliding fee scale basis. The U.S. Department of Health and Human Services runs the Bureau of Primary Health Care, and you can visit this resource to find local options that may meet your needs. Combining a variety of health insurance resources can often work to your advantage, but it’s important to understand how they affect each other. Your Trusted Choice member agent can help you with the details of your personal health insurance plan.
Many families believe it is difficult to find the right medical plan at the right price these days. A local independent agent in the Trusted Choice network can help you find good coverage choices and provide you with free comparisons from a variety of local insurers.
While there may not be one perfect medical plan for every person, being uninsured is a choice that can put your finances and health at risk. Contact a member agent in the Trusted Choice network right away to learn more about Dallas health insurance options.