Government Health Insurance (ACA)
The Affordable Care Act is likely to change, but not until 2018.
At Hettler Insurance, we can help with choosing a plan on the government marketplace, healthcare.gov. If Trumpcare replaces Obamacare, we can help with that too.
Private Health Insurance
There are many reasons to purchase private health coverage – 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 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.
Employer Health Insurance
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 UnitedHealthcare, Humana, Blue Cross, and Firstcare.
For individuals, we can assist during a job change and evaluate employer plans and private insurance options.
Consumer Directed & Managed Care Plans
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 Republicans aim to repeal and replace the ACA with a larger focus on health savings accounts.
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.
Common Health Insurance Terms
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. |
| Health Insurance Mandate: | The tax penalty delivered by the IRS for individuals that do not have qualifying health insurance coverage. |