How to file for Health Insurance

So you’ve decided you need health insurance, but you’re not quite sure where to start. Rest assured, it won’t be difficult at all. With modern technology, filing for health insurance has never been easier. You can get an account online. This may mean creating an account, so develop a good password. 

If you need a little help, you can use your zip code to find people and organizations that aid people in filing for health insurance. This includes translation assistance and being in person if needed. 

You can apply for and enroll in a plan through an appropriate enrollment partner. This would be an insurance company or an online health insurance vendor. 

You can also do this over the phone. A call center can help you complete an application and review your choices. Enrollment will naturally follow. 

Do you want to use old-fashioned paper and snail mail? That’s still possible. You’ll get the results in about two weeks. 

Remember to have all the necessary information ready, no matter how you decide to apply for health insurance. In addition to your name and date of birth, the application will ask for information about the people in your household. You will need the home and/or mailing address of everyone applying for coverage and basic information. 

If you are in Houston, TX, and need health insurance, please consider Modern Risk Management. We proudly serve Houston, TX, and will do all we can to help you apply for the health insurance you need. You can count on us to be with you every step of the way. 


Health Insurance Coverage Saves Money in the Long Run

When it comes to Houston, TX residents and their health insurance, the old saying stands true: An ounce of prevention is worth a pound of cure. Having health insurance coverage can save you a lot of money in the long run. Although it may be tempting to forgo health insurance coverage due to the cost, you should consider the potential savings that come with having health insurance. If an unexpected medical emergency or illness occurs, you may find yourself with a hefty medical bill that could have been avoided if you had health insurance coverage.

The Benefits of Health Insurance

Several benefits come with health insurance coverage. Modern Risk Management has been helping Houston, TX area citizens find the right health insurance coverage for decades. Some of the greatest benefits of making this investment we’ve seen include:

  • Access to quality medical care. Having health insurance coverage means that you have access to the best providers and treatments for your medical needs.
  • Avoiding financial hardship due to medical emergency bills. With health insurance coverage, you will not face the financial burden of a large medical bill if an unexpected health issue arises.
  • Savings on medical costs. Even if you don’t experience a major illness or emergency, having health insurance coverage can help you save money on routine doctor visits and preventive care.
  • Peace of mind, knowing that if an unexpected medical emergency does occur, you will not be facing a huge financial burden.

Making the Investment in Health Insurance Coverage

When your employer does not cover you, knowing where to turn for health insurance coverage can be hard. We at Modern Risk Management focus on providing the protection you need while also saving you money in the long run. Our expert team can help you find the right coverage for your budget and offer guidance on making the most of it.

We know that investing in health insurance can be daunting, but it’s important to remember that when you do, you’re investing in your future. 

Choosing a health care policy when you have a pre-existing condition

If you are resident in the greater Houston, TX metro area and need health insurance, Modern Risk Management is here for you. Our team can help you select the right policy for your needs, even if you have a pre-existing condition. Call our office today and set up an appointment to learn more.

How to find a good health care policy when you have a pre-existing condition

Finding the right health insurance policy to meet your needs can often feel like an uphill battle! This is even more true when you are dealing with a pre-existing condition.

The best way to find the policy that will best meet your needs is to sit down with a local agent. When you can discuss your concerns with a live person sitting across from you, the chances that you will get the policy you need are much greater than trying to find something workable online.

Health insurance is often our greatest expense after housing costs. Make sure that your money is well-spent and that you are getting the protection you need. When you have a pre-existing condition, you need to work with someone who has a deep understanding of all of the available options. 

Experienced agents are able to break down your options in a way that is easy to understand. This can make the health insurance policy selection process a lot less stressful!

Learn more about your options today!

Modern Risk Management is here to help residents in the Houston, TX area with all of their insurance needs. If you need to find out more about health care options available for people with pre-existing conditions, give our office a call today!

An Intro to Health Insurance

If your employer does not provide health coverage, you must legally purchase your own. Modern Risk Management serving Houston, TX can help you find the appropriate health coverage if you do not qualify for government-provided benefits.

Health insurance, also called medical coverage, pays for a portion of the healthcare services you access. This can include emergency room visits, hospital stays, doctors’ visits, physical therapy, etc. Healthcare creates one of the largest unexpected expenses, and it can help cover these emergencies and pay for anticipated costs like annual exams. In exchange for this coverage, you pay monthly premiums.

Some types of expenses require you to pay a deductible. This out-of-pocket cost you must pay before the health insurance kicks in. Other items, such as annual exams, require a co-pay. This small payment usually costs less than $50 and often falls below $20.

A variety of insurance types provide different levels of coverage. Besides the government-provided Medicare/Medicaid, you will find four types of network health plans:

  • Exclusive Provider Organization (EPO),
  • Health Maintenance Organization (HMO),
  • Point of Service Plan (POS),
  • Preferred Provider Organization (PPO).

Some of these plan types let you choose your own doctor within the plan or outside it. Others mandate that you must choose a doctor within those in the plan. Plans also vary on whether you can see a specialist without a referral. Finding the right health plan takes time and effort.

Let Modern Risk Management serving Houston, TX, and its surrounding areas help you determine which plan type works best for you. We can help you assess your healthcare needs and choose a plan that provides both the needed coverage and reasonable premiums.