Month: September 2014

Comparing the health insurance policies that are available to protect your family in Texas can be a smart way to find a plan that is appropriate. Generally, you will have different types of plans that are available to address your concerns. By understanding the plans that are available, you can find the best policy for your specific goals.

Individual Policies

There are several plans available for your situation; however, an individual policy is a plan that you purchase on your own. In many cases, the plan will be more expensive when compared to options that are available through an employer, but it is a good choice if you have specific health concerns or pre-existing conditions.

Employer Plans

A policy that is made available through an employer is usually a group plan that is shared with all of the employees within the company. Depending on the policy, the details of the plan can vary; however, many of the plans have set limitations that are based on the risks associated with the group. Since an employer is paying for a portion of the coverage, you may pay less for the policy.

Short-Term Plans

There are policies that are designed to address short-term needs, such as a student policy that is designed for college students. The plan will provide coverage as long as the individual meets the requirements of the policy, but it will discontinue when the situation changes.

Policies that protect your health are a necessary part of avoiding complications. Depending on your current health and your goals, the best plan to address your health care needs will vary. To learn more about protecting your health or the health of your family, contact us to talk to an independent agent today.

Comparing the health insurance policies that are available to protect your family in Texas can be a smart way to find a plan that is appropriate. Generally, you will have different types of plans that are available to address your concerns. By understanding the plans that are available, you can find the best policy for your specific goals.

Individual Policies

There are several plans available for your situation; however, an individual policy is a plan that you purchase on your own. In many cases, the plan will be more expensive when compared to options that are available through an employer, but it is a good choice if you have specific health concerns or pre-existing conditions.

Employer Plans

A policy that is made available through an employer is usually a group plan that is shared with all of the employees within the company. Depending on the policy, the details of the plan can vary; however, many of the plans have set limitations that are based on the risks associated with the group. Since an employer is paying for a portion of the coverage, you may pay less for the policy.

Short-Term Plans

There are policies that are designed to address short-term needs, such as a student policy that is designed for college students. The plan will provide coverage as long as the individual meets the requirements of the policy, but it will discontinue when the situation changes.

Policies that protect your health are a necessary part of avoiding complications. Depending on your current health and your goals, the best plan to address your health care needs will vary. To learn more about protecting your health or the health of your family, contact us to talk to an independent agent today.

A motorcycle requires insurance in the state of Texas, but the coverage that is available can depend on several factors and the plan that you are considering. Depending on the Texas motorcycle insurance policy, you may have coverage that meets or exceeds the standards of the state.

Minimum Standards

If you purchase a plan that provides the minimum standards, then you will have coverage for bodily injuries and damage to property. Liability protection is required by the state for every vehicle, including motorcycles.

Although the minimum requirements give you a place to start, you can purchase additional protection for your motorcycle if you are concerned about damages to the bike or high-cost medical bills. The state minimum is usually best if you have an older bike or when you have a strict budget.

Coverage for Unexpected Situations

Unexpected situations can range from a tree branch falling on your bike to a storm that damages the motorcycle. It can also include collisions and accidents on the road.

When you want to protect against the possible problems that may arise, you can consider a comprehensive plan and collision coverage. The additional coverage will allow you to make a claim for the damages to your motorcycle and the cost of repairs after an accident. It also provides protection against common threats if you park your motorcycle on the road or leave it outside the house, since it protects against damages from storm, theft or events that are beyond your personal control.

Options that are available to protect your motorcycle can take many forms. Depending on the coverage that you want to purchase and the plan that you are considering, the exact details may vary. Contact us to talk to an agent to learn more about your options.