Health Insurance in Houston, TX
Health insurance can play a vital role in financial planning by offering protection against unforeseen medical costs. Understanding the fundamentals of health insurance can enable individuals to make well-informed choices regarding their coverage options.
What Does Health Insurance Cover?
Health coverage can vary; however, the following are some common categories that may be covered: 
- Preventive care
- Hospitalization
- Emergency care
- Prescription drugs
- Doctor visits
- Diagnostic and lab tests
- Mental health services
- Maternity and newborn care
- Rehabilitation services
How Do Insurance Deductibles Work?
A deductible is the amount a policyholder must pay out-of-pocket before the insurance company begins to cover medical expenses. For example, if a plan has a $1,000 deductible, the policyholder must pay the first $1,000 of covered medical expenses before the insurance kicks in. Copayments, or copays, are set amounts paid for services, such as $20 for a doctor’s visit. Coinsurance, on the other hand, is a percentage of the cost of a covered service that the policyholder must pay once the deductible has been met.
How Much Does Health Insurance Cost?
Various factors can influence the cost of health coverage. Older adults generally encounter higher premiums because of more significant health risks. Geographical location also plays a role, as costs can vary with the cost of living and state regulations. Tobacco use is another important factor, with smokers generally paying higher premiums. Additionally, the type of plan selected and the desired level of coverage will influence the overall cost.
Learn More
Choosing a health insurance plan involves considering factors such as coverage needs, budget and preferred health care providers. Contact Multiservices By Veronica Moreno to discuss your insurance options.