As a single parent, what can I do to make sure my child’s health insurance needs are covered in Plano, TX?

Nothing is more important than your family’s health and wellness. As a parent, you know better than anyone the needs of your children — including what is best for their health. Unfortunately, many Texas children in the Plano, Wylie, and Allen areas are without health insurance, leaving their families financially vulnerable to sickness and accidental injuries. If your child is currently uninsured in Texas, you have more options than ever before for coverage.

If your child is uninsured, chances are it is because you do not qualify for subsidized medical care and do not have access to adequate insurance through an employer. That leaves you with the option for purchasing your child’s health insurance on the private market. Fortunately, the passage of The Affordable Care Act has made it easier than ever to get health insurance for children. Now, your child cannot be denied health insurance or charged higher premiums due to a pre-existing health condition or lack of prior coverage.

As your independent agent, our office is standing by ready to help you choose a health insurance plan that fits your child’s needs. We know how busy a single parent can be, which is why we go out of our way to make purchasing health insurance as simple as possible. You can get your child covered at a rate that is affordable and fits your family’s budget. You may even be eligible for a subsidy to help offset the costs of purchasing health insurance.

If you live in or around Plano, Wylie, or Allen, look no further than your local independent agent for health coverage you can rely on. Go online to get your free quote today.

Will I have to qualify before I can purchase health insurance in Plano, TX?

Health insurance is an important part of protecting your health and a financially secure future. No one knows when a sudden illness or injury will strike, incurring thousands of dollars in medical bills. According to the Kaiser Family Foundation, there were 386 emergency room visits for every 1,000 people in Texas during 2011. With an average emergency room bill over $2,000, those without health insurance are forced to use credit cards, dip into savings, or liquidate assets.

Many Texans have gone without coverage because they do not qualify. Until recently, only those in good health could purchase coverage on the private market without being denied or paying exorbitant premiums. Getting health insurance in Texas — particularly Plano, Wylie and Allen where are large concentration of the population reside — shouldn’t be difficult.

Thanks to the Affordable Care Act, everyone in Texas can now qualify to purchase health insurance coverage. That is good news if you are one of the 25 percent of all Texans who were uninsured between 2009 and 2010. As of January 1, 2014, no American can be denied health insurance due to a pre-existing condition, which previously kept many people in Plano, Wylie and Allen from getting coverage.

Today, people in Texas looking for health insurance are encouraged to seek assistance from an independent agent. By going to an independent agent, you can get health insurance quotes from multiple leading insurance providers. Premiums are based on age and coverage amount, rather than health. Furthermore, many people with incomes below 400 percent of the federal poverty level will qualify for a health insurance subsidy to help offset costs of premiums.

As your independent agent, we are here to help you. Contact us for more information about qualifying for health insurance in Plano, or input your information online to get your free quote today.

I don’t have any major business assets in Plano, TX. Do I need insurance?

As an independent agent, it is our job to provide you with the information you need so you can make an informed decision on whether or not you should buy a commercial insurance policy for your business in Plano, Texas. If you live in Wylie and cut several of your neighbor’s lawns to earn a little spending cash, you probably do not need to buy a commercial insurance policy. However, if you operate a major landscaping company in Allen, and have hundreds of accounts, buying a commercial insurance policy is probably a good idea.

Even if you do not have any major assets such as machinery and computer equipment, your business can be at risk. If someone comes into your place of business, slips, and breaks their leg, do you want to be personally liable for their medical bills? If you provide a service such as bookkeeping or preparing tax returns, and you make a serious mistake, you could be held liable for the damage that you do to your client’s finances.

Whether you have a service business in Texas with no major assets, or you have a business that requires you to stock a large amount of inventory, without insurance, one big judgment against you could put you out of business.

If your business was formed as a sole proprietorship as opposed to a corporation, you could be held personally liable for any debts your business incurs, including amounts owed as a result of a lawsuit and judgment against your business. You can close the doors on your business, but you will still bear responsibility for your debts. Your personal assets can be seized by the courts to satisfy creditors.

Of course, insurance almost always comes down to weighing the risks of not having adequate coverage against the costs of purchasing that coverage. If you are unsure about what you should do, we are here to help. Please give us a call and an independent agent will go over your personal circumstances and show you both the benefits and the cost of buying a Texas commercial insurance policy.

Are There Any Special Requirements if I Died in a Foreign Country, i.e., Outside the Plano, TX, United States or its Territories?

When you travel abroad for work, tourism or any other activity, you may worry about how it will impact your life insurance policy in Plano, Texas. Even though you may be traveling outside the United States and its territories, your insurance coverage is based on your residence and not the location where you died. In many cases, you will not have any special requirements associated with the location.

Moving to a New Country

Although your policy may not be impacted if you are visiting or going abroad for a work conference, it is possible that you will need to inform your insurer of your plans if you are moving to a different country for an employment opportunity or any other change.

Insurers need to know about a change of address if your place of residency will change. In many cases, you will only need to provide details regarding the move to make appropriate changes to your account.

Talk to a Representative

When you are not sure about the insurer and the details of your policy, the best way to avoid complications and ensure that your family will not struggle financially due to a death that takes place out of the country is by talking to your insurer. Talk to a customer service representative and clarify any concerns associated with your upcoming travel plans. If the insurer has special requirements for individuals who are traveling to a foreign country, then they will explain the actions that you must take before the trip.

Traveling abroad does not necessarily mean that you are giving up your life insurance. Contact us to speak to an independent agent to learn more about life insurance policy options.