Are Cobra Plans Too Expensive?
Let us provide you with alternatives.
COBRA, in most cases, is not the most affordable alternative health insurance option when changing jobs or losing employer-sponsored health insurance. In many situations, the individual health insurance options offered through our carrier partners can be much more affordable for individuals and families that qualify for a monthly tax credit applied to their premiums.
2022-23 Individual Health Insurance
Quote and/or enroll if you are looking for individual health insurance for yourself or for your family. If you are shopping for a plan outside of the annual enrollment period, give us a call at 210-880-5316 to set up an appointment.
Dental & Vision Insurance
Day-one benefits on most dental insurance plans. Preventive visits covered at 100% with network providers. Network providers charge 25-50% less than their regular rates, which can save you money. Choose from two vision insurance plans with VSP or EyeMed provider network savings. Plans provide an allowance for many out-of-network services and materials.
Short Term Medical
These plans are subject to medical underwriting and pre-existing conditions. Current prescriptions can be excluded. Short term plans can bridge coverage gaps but some clients may need a little longer than typical short term plans allow. This is an option for those who are healthy but might not qualify for a tax credit subsidy to help lower monthly premiums.
Travel Insurance For U.S. Residents / Citizens traveling out of the United States
Patriot Travel Medical Insurance
Coverage for U.S. residents traveling out of the USA.
- Travel Medical Insurance for inviduals, families, and groups
- Renewable up to 24 months
- Deductible options from $0 – $2,500
- Maximum limits from $50,000 – $1,000,000
- Coverage for medical expenses, evacuations, and repatriation.
Travel Insurance For Non-U.S. Residents (Seguro para residentes no estadounidenses)
Patriot American Plus
Temporary coverage for non-U.S. residents in the USA.
- Renewable up to 24 months
- Deductible options from $0 to $2,500
- Maximum Limits from $50,000 to $1,000,000
- Acute onset of pre-existing conditions: Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation
Call us at (210) 880-5316
Marcela Areizaga – Hablo Español!
Health Insurance Descriptions
Texas State Financial & Health offers a variety of health insurance plans for individuals in San Antonio and all over the state of Texas. We can help select the best plan that is right for your protection.
Texas State Financial & Health understands that Health Insurance was designed to offer coverage that covers the cost of an insured individual’s medical and surgical expense. Coverage can vary the most often the insured pays costs out-of-pocket and is then reimbursed or the insurer makes payments directly to the provider. Health insurance can be offered by an employer or purchased by an individual or family.
Health Coverage & Health Care Sharing
We are committed here at Texas State Financial & Health to offer the most comprehensive affordable, and flexible programs to best fit your needs. It is very important to know that health coverage, care, and sharing programs are not in fact health insurance despite looking very similar. These plans will generally provide you with Preventive, Telemedicine, Primary Care, Urgent Care, and Hospitalization. Keep in mind that you could be limited to office visits and care as this is not intended to replace health insurance and in most cases does not qualify as a health plan under the Affordable Care Act Law.
Short Term Major Medical
These plans make sense for a college student just out of school or someone in between jobs waiting on new benefits to kick in as an alternative to COBRA. We see a lot of individuals use this an option after missing ACA open enrollment. Those that are under 65 and in good health or just waiting for Medicare. Texas State Financial & Health
Ancillary (Hospitalization, Critical, Disability, Vision, and Dental)
Ancillary Products can help strengthen a current or future health insurance policy. Texas State Financial & Health can provide the San Antonio area with products such as Dental insurance and Vision insurance that are key components of giving clients the coverage that meets their needs. We can also assist with short-term disability and long-term disability policies to help protect yourself from unforeseen events that can take place.
Group (Small and Large Businesses)
Contact Texas State Financial & Health regarding Group Medical plans which are a critical piece to most San Antonio Texas companies’ financial plan. It is important for Texas companies to be able to offer compelling benefits at reasonable prices in order to acquire and retain key employees. We have partnered with the leading Health Insurance companies to provide some of the most cost-effective and attractive plans for employees and staff.
Individual & Family
Texas State Financial & Health can assist clients in San Antonio, Texas with individual Medical plans that are designed to offer comprehensive coverage to people and their families that are not receiving or eligible for employer-sponsored group insurance. There are many different types of plan options, including Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point of Service (POS) plans. With the upcoming Affordable Care Act, it is going to be critical for individuals to stay tuned to the requirements needed to receive Health Care Coverage. Please visit our site often and “Like” our facebook page to stay updated.
Medicare Plans for Seniors
Each year plans change, so it is important to review your options regularly. If you are needing to review options to help you better understand Medicare coverage and the plans that can help you save money on your health care expenses then contact us to visit with a licensed and appointed agent today.
Global (Worldwide Coverage)
Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. Our partnered carrier will allow you to receive the worldwide medical coverage you need, backed by world-class services you expect. These plans are ideal for long-term vacations, international business travel, or the student traveling abroad.