Beaumont/Port Arthur, Texas Health Insurance Policies


In a health care environment that is constantly shifting, are you unsure what kind of health insurance might be right for you? If you are unable to work due to sickness or injury, health insurance is designed to cover treatment costs, as well as provide an ongoing income during the period you are ill. And if your injury or illness is more long-term, disability insurance helps supplement your lost income.

What is the major purpose of health insurance?
To use the machine analogy, health insurance is designed to cover repairs, maintenance and any lost income while the machine is "in the shop"

What are the major types of individual health insurance policies?
There are many variations of health insurance policies. The two most common are major medical and disability. A professional agent from F.B Talyor can share other, more specialized types of coverage.

Do I need an individual policy if I have group insurance at work?
Maybe. Many factors must be considered, such as: Do I plan to remain at my current job? Do I feel secure in my current job? What current benefits does my employer provide, and are they are sufficient? Are there certain benefits that are not provided, or limited in a way that leaves a gap in my coverages? Are there members of my family who are not adequately covered, or are ineligible, for my group benefits?

Discuss these issues with us at F.B. Taylor and we can make a recommendation as to the best choices to assure your medical coverages are adequate for your needs.

How does a health insurance deductible work?
A deductible is the amount you must pay before the insurance company begins to pay on your bills. This is an annual amount per insured person, although typically there will be a maximum amount of deductibles you will have to pay in a given year. For example, if your "per person" deductible is $500, and you have five people in your family covered under your health insurance, the maximum "family" deductible will usually be $1,500. Once three of the people in your family have paid a $500 deductible, no more deductibles will apply to any member of the family for the remainder of the year.

Do you still have unanswered questions about setting up a Health Insurance Policy or questions about your current policy?

Call F.B. Taylor at (409) 729-5551 today!

Reprinted with permission from Trusted Choice®; www.TrustedChoice.com