Health Insurance, Affordable Healthcare Act (ACA), Obamacare, Marketplace insurance, etc.  Whatever name you call it by, it’s that time of year.  Remember, you’re generally not allowed to make changes any other time, except after a “Qualifying life event (QLE)” like getting married, having a baby, or losing health coverage.  For more info and other QLE examples see HealthCare.gov. And, click here for a Health Insurance Explainer Video Article.

Health Insurance: The word ‘insurance’ can be defined as an arrangement by which one party agrees to pay another in case of some uncertain event. This is a type of insurance that is used to protect the insured against any health problems.

Health insurance in Lubbock, Texas, is basically designed to cover the expenses of medical treatment of the individual or family. It can be used to pay for the treatment of chronic diseases like diabetes, cancer, hypertension. The premiums of these plans are usually based on the age and gender of the individual. Some companies even offer free health checkups to their employees.

There are different types of health insurance policies available today. The most common ones are hospitalization, dental, vision, life, and disability insurance. The basic difference between these policies is the time period for which they provide coverage. For instance, the policy that provides coverage only for the duration of the illness may not be suitable for people who are suffering from chronic conditions. In such cases, it is better to go for a policy that provides coverage for a longer period of time.

It is important to understand the terms and conditions of the policy before buying cheap health insurance Lubbock. You should also compare the benefits and the costs before deciding upon the plan. If you want to get your health insurance through the government (Obama Care), then you need to know the rules and regulations pertaining to this. You should also take care of the deductibles and
co-payments.

There are various online websites that offer health insurance quotes. These sites can help you in getting necessary information about the policies, but can be confusing.

So, save yourself some time and headache, and contact your local independent insurance agent. The agents are trained and certified with the knowledge to explain health insurance and get you the best policy.

You don’t have to do insurance all alone. Hettler Insurance Agency, in Lubbock Texas, can help you every step of the way.

Don’t miss the Open Enrollment period for health insurance. Call Hettler Insurance Agency in Lubbock, Texas @ (806) 798-7800, M-F, 8:30am-5pm.”