Many small practice owners we know are surprised when they learn that it could be possible for them to get PPO health insurance for themselves and their family.
That’s because individual PPO health insurance plans are no longer available in Texas.
But every year, there is a window of opportunity where small practice owners may be able to qualify for group PPO health insurance for themselves, their family and/or their practice. Here’s how it works:
Waivers Make It Possible
During Open Enrollment – from now through December 15, 2019 – there are waivers to certain group health insurance requirements.
With these waivers, you would not have to pay 50% of your employees’ premiums and you would not need 75% of your employees to participate in a group plan – as is typically required.
The waivers could allow you to bypass those contribution and participation requirements – so you could enroll in a PPO plan with as little as one person. If you or your family enroll in a plan you would need to offer health insurance to your employees, but your practice will not have to contribute toward their premiums.
If no employees choose to take the coverage, you can still enroll in the group PPO plan. To be eligible, you must have a tax I.D. number and one full-time employee paid under that number.
You Have The Freedom To Choose
The waivers can give you the freedom to decide how you manage health insurance options for yourself, your family and your employees. You could choose a cost-effective group HMO plan. And you could also select a group PPO plan – with a larger network of physicians and hospitals, fewer restrictions, and more comprehensive benefits than an HMO plan.
Get Options From Our Advisors
Our TMA Insurance Trust advisors can tell you what you need to know to take advantage of the waivers during Open Enrollment. They can also provide you with health insurance options – including both PPO and HMO plans – from the leading carriers in Texas.
We are here to help take the hassles out of shopping for health insurance and to provide you with options so you can make the decisions that work for you.
1-800-880-8181 7:30 – 5:30 CST Monday – Friday
We Can Take On Administrative Tasks
Once you choose a plan we can help take on many administrative tasks that come with maintaining and servicing your benefits program.
We can take care of enrollment for you and your family members. And help with claim or customer service issues. If a problem arises, our team is ready to jump in and offer assistance. Our hands-on service is offered to you at no extra cost throughout the year.
Enroll Before The Window Closes
We hope you can take advantage of this opportunity to get a group PPO health insurance plan. We invite you to speak with one of our advisors who will help you find the right plan and get your paperwork in early. That will help ensure that you and your employees are properly entered in the carrier’s system and can receive your ID cards in time for any January appointments or medication refills.
So don’t delay – contact one of our experienced health insurance advisors toll-free at 1-800-880-8181 Monday to Friday, 7:30 to 5:30 CST.
For over 60 years, TMA Insurance Trust advisors have been serving Texas physicians, their families and staff. TMA Insurance Trust prides itself on offering unbiased information and strategies to members, along with exclusive group rates on a range of the highest-rated plans in the industry.