A new insurance product, private / public is designed for small businesses and their employees in Texas, The Texas Plan healthy! This partnership is uninsured small employers (not sure in the last 12 months) to ensure quality health plans at an affordable price. Texas health plans provided by private carriers available.
Healthy Texas enrolled in private health insurance, which have been authorized by TDI to choose from. In accordance with theHealthy Texas Program Requirements is provided in Chapter 1508 of Texas Insurance Code, TDI is currently accused of Celtic Insurance Company and United Health Care, health plans participating in the Healthy Texas Program.
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What are the characteristics Plan?
Two plan design decisions ($ 500 or $ 1500 calendar year deductible) $ 25 co pay for office visits (most of the physician-office services) 100% coverage for preventiveCare. 80% co-insurance for hospitalization (hospitalization) and outpatient surgery. Network could provide benefits only out-of-pocket costs. Coverage of prescription drugs including $ 10 / $ 25 / $ 50 ($ 200 or $ 500 annual deductible applies). Optional coverage is available (dental, vision, life).
How does my small business for the plan to qualify for Healthy Texas?
The employer must provide and are located in Texas as a small company with 20-50 eligible to beemployees.
Employer must not have provided a qualified small group health insurance policy 12 months prior to Healthy Texas application.
60% of eligible employees must enroll.
At least 30% of your employees annual wages must be at or below 300% of the federal poverty level (,670 in 2011).
Employer must pay at least 50% of the premium costs for employees and must offer dependent coverage.
Each eligible employee must be a citizen of the United States or is an alien that is in our country legally.
Effective July 26, 2011, United Health Care announced that each member who earns less than ,670 and who enrolls in a Healthy Texas plan may be eligible for an additional 0 reduction in their monthly premium. This is a great way to help these folks get affordable insurance through their Healthy Texas plans.. United Health Care states that they have a limited number of members they can support on a First come basis.
If you are a small business owner that is looking for a more affordable health insurance policy, the new Health Texas plan may be an affordable option. We believe due to higher costs of medical insurance, the Healthy Texas plan would allow Employers whom have not had a health insurance plan in force for the past twelve months, the opportunity of providing a small group plan. The Healthy Texas plan is for Texas employees only. Any employees outside the state of Texas would not qualify for the plan.
Regards,
S. Brett Anderson
Allsure Insurance Agency / www.allsureinsurance.com
Affordable Small Group Health Solution for Texas Small Business Owners
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