Family Health Insurance Coverage | Hettler Insurance Agency, Lubbock Insurance, Texas

Preserve Your Personal & Family Health

Health Insurance in Texas

Let’s face it, a hospital visit and medication aren’t cheap. Without health insurance coverage, you could end up paying off medical bills for the rest of your life. Whether you or your family faces an emergency or a prolonged illness, health insurance provides coverage for medical service in Texas.

Hettler Insurance Agency is licensed to sell and consult on health insurance in Lubbock, Texas and can help find an affordable healthcare plan that’s right for you.

Compare Quotes from Multiple Carriers!

We do the shopping so you don’t have to.

We Speak Insurance-ese!
– (And, we translate insurance into plain English.)

Lubbock Heart Hospital | Health Insurance in Texas | Hettler Insurance Agency, Lubbock Insurance, Texas

Types of Health Insurance Policies for Texans

The health insurance marketplace is usually open annually until January 31st. All health insurance plans must be purchased before January 31st, unless your family qualifies for a special enrollment period.

For better or worse, the Affordable Care Act (ACA/Obamacare) is still the law. Congress has tried to repeal and replace the ACA. If you buy government-sponsored health insurance, coverage will vary. At one time, there was a health insurance tax penalty for not having health insurance. Choose from the following: health insurance marketplace, private health insurance, or employer-based health coverage.

Lubbock Heart Hospital | Health Insurance in Texas | Hettler Insurance Agency, Lubbock Insurance, Texas

The Affordable Care Act (ACA/Obamacare) may one day change.

At Hettler Insurance Agency, we can help with choosing a plan on the government marketplace, healthcare.gov. If Obamacare is repealed, we will adapt with that too.

Private Health Insurance

There are many reasons to purchase private health coverage. For instance, your family doesn’t qualify for a government subsidized plan, or you want better coverage or benefits, such as an HSA (health savings account).

Hettler Insurance Agency, in Lubbock Texas, sells Blue Cross Blue Shield of Texas and FirstCare Health Insurance. Why buy a policy through us? We can help you navigate plans from multiple insurers and work with you to deliver lower deductibles and better coverage. We speak “insurance-ese”, and we translate into plain English.

Hettler works with employers of all sizes to provide affordable group health insurance plans that meet federal requirements and employee expectations. We sell plans from Blue Cross and Firstcare.

For individuals, we can assist during a job change and evaluate employer plans and private insurance options.

A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is designed to give you more control. As part of the plan, you setup a health savings account (HSA) that can be used to cover medical expenses or help pay for a high deductible. This type of healthcare is getting the spotlight as congress aims to repeal and replace the ACA with a larger focus on health savings accounts and quality healthcare.

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

When discussing health insurance with a Hettler Insurance Agency agent, it helps to understand some of the most common health insurance terms:

— Deductible: The amount of money you pay toward medical bills before your insurance coverage begins.
— Co-pay: A specified amount of money you pay upfront for doctor visits and prescription refills.
— Coinsurance: The percentage of medical bills you pay after meeting the deductible.
— Open Enrollment: The window of time major health insurance plans can be purchased.

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.