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Health Insurance

Your health is one of the most important things that you can have. Protect your family and yourself alike with a health insurance policy from Mauceri-Bynum Insurance.

Medical treatments can be expensive. Without being covered by health insurance, the cost of getting care can be a monumental thing to face down. Mauceri-Bynum Insurance is here to help you pick an affordable healthcare plan that fits with your needs. Contact someone on our team to learn more!

Types of Health Insurance in Texas

There are essentially three types of Texas health insurance policies to choose from: consumer-directed, fee for service, and managed care. These directives help to cover hospital, surgical, and medical expenses. They may even cover other expenses not directly related, such as dental expenses, mental health services, and prescription drugs, depending on the coverage you choose to get from a provider.

  • Consumer-directed

    A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare option which is designed to give more control to the individual. You set up a health fund that can be used to cover medical expenses as a key part of this plan.

  • Fee for Service

    As a more traditional healthcare plan, the fee for service option means that you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider, without having to pay large premiums.

  • Managed Care

    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. It is a much more organized option.

Common Health Insurance Terms

There is a lot of terminology that gets passed around when discussing insurance options. Here are some of the most common terms you will run into:

  • Deductible - The amount  paid toward medical bills before insurance coverage begins.
  • Co-pay - A specified amount paid upfront for doctor visits and prescription refills.
  • Coinsurance - The percentage of medical bills paid after meeting the deductible.

To learn more about Texas health insurance, call and talk with one of our agents today. We are happy to help.

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400 North Central Expressway, Ste 109
McKinney, Texas 75070
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