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Texas Health Insurance

Welcome to the online home for Peeler Insurance, a local Texas based health insurance agency specializing in individual and family Texas Health Insurance plans from today’s top rated companies.

We realized that more and more consumers are utilizing the internet for medical insurance information therefore we created an online presence with you in mind. Our site will allow you the ability to obtain instant, no hassle Texas Health Insurance quotes from ALL of the major carriers doing business in our great state. Blue Cross Blue Shield, Humana, Aetna and United Health Care are just a few of the top providers you will see when you run your free, no-obligation quote. Also, because we are local, born and raised, we will not sell your contact information to thousands of other agents or brokers. We keep all the information in house for our use only. Why? Because our mission is simple, we feel that every Texan should be afforded the right to affordable Texas Health Insurance and that client should be treated with respect and dignity in all matters involving financial protection.

From the date we opened our health insurance practice back in 1993 we have always worked only with the top plans from companies offering at least an Excellent rating (A) by the rating agencies. Why? To always ensure our clients feel comfortable with their selected policy. We personally feel there is no place in this market for no-name, non rated companies, some agents do, however we feel that gambling on your financial health is a wrong decision so rest assured that the plan you select will always be recognized by your doctor or hospital.

Health Care Reform Changed the Game

With the passage of health care reform Health Insurance in Texas has changed dramatically and we know you expect us to not only understand the new law, but also be able to explain it in a fashion that is user friendly. Texas Medical Insurance was confusing to begin with; the last thing you should be forced to do is sort through thousands of pages of legislation to determine what type of coverage to select for your family. We feel we have somewhat a leg up on this since our founder spent several years serving in local politics sorting through ordinances and laws on a daily basis. Also, this was not some small "po-dunk" little town, it was one of the largest cities in the country.

Regardless of your position on the new reform law, there are some provisions of the law that have made purchasing Health Insurance in Texas better. Things like free preventive care, unlimited benefits and guaranteed issue on children have proven to allow fellow Texans the ability to secure more adequate coverage. This has also leveled the playing field as it relates to comparing offers from different companies. However with these changes there has been a slight spike overall in the monthly premium of your coverage options. We review all the options from the benefit configuration you desire and recommend whatever Texas Health Insurance carrier will offer the lowest cost, then every year we are here to review you current selected plan to ensure you are still paying the lowest cost on the market that your health history will allow. We call that personal service, you call it saving money.

What are my Options?

There are 3 basic types of Texas Health Insurance plans available in our state: the Doctor Co Pay plan, the High Deductible HSA plan, sometimes referred to as catastrophic health insurance in Texas and the limited benefit plans. We rarely if ever recommend a limited benefit plan and have never advised a consumer to select the even more limited, discount plans for their medical care. Rest assured whatever plan we recommend it will be a plan that follows every element of the new reform law by providing unlimited benefits without those pesky pre-set dollar limitations that are so commonly being pushed by a few agents.

The most popular benefit design in this economy is the lower cost catastrophic type plans. These plans offer the family full protection once their annual deductible for medical treatment is reached and with the new reform law, preventive care is covered without deductibles or co-payments. This doesn’t mean the old main stay group look alike doctor co-pay plan is not the best choice for your family but with today’s economic environment more and more consumers are protecting their bottom line, rather than give those precious premium dollars to a private insurance company.

So, you have two options when using our website: click the Start my Quote button and select the plan of you choosing and apply right from our secure website, or allow us to contact you for your Texas Health Insurance needs, either way welcome to our home and be prepared to be protected.

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