AmeriTex Brokerage Group, LLC

Texas Individual & Family High Deductible Health Insurance Plans

Unicare

Unicare - a Wellpoint company (recently named the most admired health company in the nation by Fortune magazine for the unprecedented 6th year in a row), has an excellent reputation and have consistently been growing at a rapid pace over the past several years.  Texas and Illinois are among the strongest states for Unicare, which also does business in Indiana, Nevada and Virginia.  In most cases, Unicare offers the best value for an HSA plan in each of these states.

UNICARE Life & Health Insurance Company is rated "A+" by Standard & Poor's Financial Strength Rating Analysis and "A-" (excellent) for claims-paying ability by A.M. Best, an independent insurance industry analyst that bases its rating on operating performance and financial stability.

UNICARE Life & Health Insurance Company is a separately capitalized and incorporated subsidiary of WellPoint Health Networks Inc.  WellPoint is one of the largest managed care companies in the United States and one of the most financially sound. WellPoint and its family of companies provide health coverage for over 6.5 million people and have over 12.9 million pharmacy customers.

UniCare offers a variety of High-Deductible Health Plans, each with a different annual deductible amount for both individuals and families.

Plans At a Glance

• HSA-Compatible Variable-Deductible Plan
• HSA-Compatible Plan 2
• HSA-Compatible Plan 3
• Medical Plan Limitations & Exclusions

BlueCross BlueShield of Texas

BlueCross BlueShield is one of the most widely known and trusted names in the health insurance industry.  Blue Cross Blue Shield has one of the most competitive HSA plans in Texas, and unlike most other HSA plans, the Blue Cross Blue Shield HSA plan also includes a Prescription Drug Co-Payment.

Blue Cross and Blue Shield of Texas is the largest insurer in the state of Texas, offering traditional plans that can include co-payments for doctor visits and prescriptions, economical major medical plans, and coverage that qualifies to work with a Health Savings Account (HSA). 

About Blue Cross Blue Shield:

Since 1939, Blue Cross and Blue Shield of Texas has worked to help keep Texans healthy.  The company's stated mission since its founding has been to provide financially sound health care coverage to as many Texans as possible.

• Blue Cross serves more than 3 million members in all 254 Texas counties.
  
• Blue Cross maintains its state headquarters in Richardson, with regional headquarters in Houston, Austin and Lubbock.
  
• Blue Cross processes members' claims in Texas -- an average of more than $22 million worth every day, five days a week -- in their claims and customer service facilities in Abilene, Houston, Marshall, Richardson, San Angelo, Waco and Wichita Falls.
  
• Over the past few years, Blue Cross has cut administrative costs by 20 percent, saved more than $100 million and increased claims processing productivity by 24 percent.
  
• Their health care provider network is the largest in the state, with more than 27,000 physicians and 400 hospitals across Texas.
  
• They have 15 medical doctors on staff combining more than 400 years of experience in medicine, an Office of Physician Advocacy dedicated to addressing network physician concerns and fostering robust communication with the physician community.
  
• Blue Cross provides physicians with its exclusive BlueLink online referral and precertification system, which allows physicians to obtain real-time access to network specialist referrals and approval of inpatient and outpatient procedures, 24 hours a day, seven days a week.

A division of Health Care Service Corporation (HCSC), Blue Cross and Blue Shield of Texas is among the financially strongest health insurers in the nation providing its members with a high level of confidence and security.  For detailed financial reports, please visit the HCSC web site.

Blue Cross Blue Shield generally offers great value for full coverage.  They cover doctor visits, prescription drugs, vision, accident benefit, and of course, hospitalization.  Complete details can be seen by opening their "Outline of Coverage" brochure each plan:

• Select Blue Advantage
• PPO Select Choice
• PPO Select Saver

You may also refer to the chart below for a coverage overview.

Plans At a Glance:                      Select a plan name below to view its brochure

Rates:

Rates vary based upon zip code, age, and effective date. 

PPO Network:

Blue Cross of Texas gives you access to one of the largest networks in Texas, with thousands of health care providers throughout the state.  The large list of doctors and hospitals can be viewed at their online directory.

Underwriting:

Blue Cross has one of the easiest, most efficient underwriting teams in the industry.  The process is very fast if no medical records are needed.  While it is always a good idea to apply at least three weeks prior to the time you need your new coverage to take effect, some applications that are done online are approved by BCBS within 24 hours.  If medical records are needed, you may have to reapply, and include medical records.

The company does have the right to accept or decline any individual or family application.  Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider.  If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can make sure there are no delays in getting you covered.