Texans who do not receive medical insurance from their employers but still need coverage for themselves and their families should take advantage of individual and family health insurance. Individual health insurance is also appropriate for those who are self employed, unemployed, or in college.

A major drawback that people discover about not being on an employer’s group health insurance policy, is that the coverage is not guaranteed, and an insurance company can turn you down either partially or entirely for an existing condition. Additionally, some insurance companies charge higher premiums for those deemed as high risk applicants (e.g. smokers) or identified as having pre-existing conditions. The Soules Insurance team will make sure you find the most affordable individual insurance plan that provides the maximum coverage you and your family need.

Individual Health Insurance Plans come in many forms, including:

Preferred Provider Organization (PPO) Plans

A PPO is one of the most recognizable health insurance plans available in Texas businesses. You have a network of health providers from which to choose with a PPO plan. Under this plan, you may see a physician outside the network, but choosing a doctor within your network will save you more money.

Health Maintenance Organization (HMO) Plans

An HMO differs from a PPO in that you must only see physicians within your network.

Point-of-Service (POS) Plans

A POS group health plan is another option which falls between the rigid HMO and the flexible PPO choices. Like an HMO, you choose a primary care physician, but as with a PPO, with a POS plan, you can see a physician outside the network as well.

Health Savings Account (HSA) Plans

HSA plans permit you to set aside tax-free funds into a savings account intended to be used for almost any medical care services you or your family may need.

Contact us Today for more Information on Individual And Family Health Insurance Plans

Healthcare is expensive. A single health issue for you or your family can drain your bank account and leave you struggling. Soules Insurance can help you choose a medical plan that protects you and your family.

Soules Insurance Agency, LP is one of the largest independent insurance agencies in Conroe, The Woodlands, Willis, Cleveland, Huntsville and North Houston area as well as the Interstate 45 corridor to Dallas.

Please call (936) 756-0671 to learn more about our life insurance plans and what they provide or simply fill out and submit the online form below to receive a call and quote for your business in Conroe, Texas and the surrounding areas.