Affordable PPO Health Insurance plans in Texas.
FAQ's
Contact me for any questions.
Q. Who would be my Insurance Company?
A. Philadelphia American Life Insurance Company underwrites the bulk of our program. They are highly rated by AM Best and have a long record of excellent customer service and paying claims for over 90 years, they have Zero formal complaints with the state of Texas.
Q. Why are these programs so much cheaper than options on Healthcare.gov or my company?
A. Philadelphia American offers a few different levels of coverage, mainly the Health Saver plan and the Health Choice Select depending on your state. The major difference in these plans and Obamacare are that they are underwritten based on your health, not your financial situation. So if you are healthy upon time of signing up and approval, we can help save you thousands of dollars in monthly premiums and deductible.
Q. Can I qualify medically for this program?
A. The underwriting guidelines are very lenient. If you do not have a major illness or facing major surgery you will probably qualify, some of the most common medical conditions in the USA are acceptable as long as they are under control.
Q. Will I have to take a physical or submit medical records?
A. No. We simply ask you a few medical questions and submit them to the company. For your protection, the company will verify your answers are correct. That is it.
Q. Will I have to pay a penalty?
A. No. Since 1/1/2019 there is no longer a federal mandate to have Obamacare, so you now have the freedom to choose a plan that works for you and pay based on your health.
Q. What if ObamaCare is repealed and the whole system changes?
A. We try not to get political, however, Philadelphia American has been running the same program for almost 30 years; before, during, and presumably after ObamaCare or whatever is next.
Q. Why are your premiums lower?
A. First, we only insure people who are reasonably healthy. Second, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Do you need coverage for drug rehab, etc.? It’s like the auto insurance rating system, better drivers pay lower premiums than bad drivers.
Q. What happens if I get sick?
A. Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems, it will auto renew each 12 month anniversary until age 65, until you choose to cancel, or if your payment lapses.
Q. Do I have to pay money upfront?
A. No, you will not be charged anything until you have been approved for coverage.
Q. Will this process take a lot of my time?
A. No, a short 5-10 minute phone interview is all that will be required. We will schedule your interview at your convenience. We work early and late upon request.
Q. Where can I use my coverage?
A. You may go to any doctor or hospital; however, if you stay within the Private Healthcare System, you will receive large discounts on your medical bill. Note: PHCS is one of the largest networks nationwide.
If you want to see if your doctor of medical facility is part of the PHCS PPO network click below:
MultiPlan / PHCS Provider Search
Health Saver Gold with Specified Disease Network:
Health Saver Gold/Health Choice Select: