The Employer’s Texas Health Insurance

Buyer’s Guide

Understanding Coverage Options When Offering Health Insurance

America’s health care system has changed dramatically over the years. The Affordable Care Act (ACA) turned the industry on its head, and with it created a slew of laws many health insurance recipients still aren’t aware of. More changes will likely to come soon, bringing new regulations which employers should be aware of.

Buying health insurance for your company’s group can be complicated. Not understanding coverage options can lead to costly out-of-pocket surprise expenses for your employees. It is therefore imperative that you understand the options and what to look for in a group health insurance plan.

Unfortunately, keeping up to date with the complicated structure of the ACA and other changes in the laws isn’t something the average person or company has time to do. That’s where we can help. At Caballaro Agency, we have over 35 years of industry experience making us well versed in the changing healthcare laws. To give you a general overview of what to expect from your employer health insurance plan, we have put together a Health Insurance Buyer’s Guide for your convenience.

Requirements under law demand each plan to include:

These benefits are also known as the minimum essential benefits (MEC).

  • Ambulatory patient services (out-patient services)

  • Emergency services (emergency room trips)

  • Hospitalization (treatment for inpatient care)

  • Maternity and newborn care (prenatal care all the way through to post-delivery care)

  • Mental health services and addiction treatment

  • Prescription drugs (limitations apply)

  • Rehabilitative services and equipment

  • Preventative care services, wellness, and chronic disease treatment

  • Pediatric services

Did you know..?

You can transfer the management of your benefits to us 100% FREE of charge with an Agent of Record change request. We will then be your dedicated account management team to communicate with your employees, address claim issues, discuss renewal options, and manage all your plan needs.

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GET YOUR FREE INSURANCE QUOTE NOW!

We are looking forward to get you the best employee benefit tailored for your group.

(281) 660-8741

8044 Lakeshore Bend Dr. Houston, TX 77080

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