We Help Texas Physicians with Health Insurance Needs
Did you know practice owners can get “group of one” PPO coverage just for themselves and their family, and it may cost less than an individual HMO plan?
Physicians who have or establish an LLC may be eligible for PPO health insurance without the need to cover staff. (Partnership documentation and the company’s Schedule K-1/Form 1065 are required.)
If you don’t own a practice and are looking for individual or family coverage, there are two enrollment periods each year when you can shop for plans. Although the Annual Open Enrollment period (November 1- December 15) has ended, you may still qualify for a Special Enrollment Period.
To be eligible for a Special Enrollment Period, you must have had a qualifying "life event" within the past 60 days. Common qualifying life events include:
If you do not qualify for a Special Enrollment Period, you may want to consider short term health insurance. These plans are considered catastrophic coverage and provide some limited protection in the event of a serious illness or accident. However they usually do not cover preventive care, prescription medication or pre-existing conditions.
Other types of health insurance you can purchase at any time include accident insurance, critical illness plans and supplemental hospital plans. These plans are less expensive than major medical insurance but there are several limitations and they only cover qualifying illnesses or injuries.
If you qualify for "Group of One" PPO coverage or are interested in one of the other, more limited forms of health insurance, please contact one of our health insurance advisors for a free consultation.
If you qualify for a Special Enrollment Period, please fill out the form on this page and one of our health insurance advisors will contact you.