LIFEWAY INSURANCE BROKERS
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Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

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What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.

Contact Us About Health Insurance:

(281) 232-5207
2600 S Loop West Suite 475H
Houston, TX 77054
Click Here to Email Us
Health Insurance Quote
Click here for a health insurance quote
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Contact Us

Lifeway Insurance Brokers
2600 S Loop West Suite 475H
Houston, TX 77054
(281) 232-5207

Click Here to Email Us

Houston, TX

Website by InsuranceSplash
  • Home
  • Get A Quote
    • Auto Quote >
      • Personal Auto
      • Motorcycle
      • RV
      • Boat
    • Homeowners Quote
    • Renters Quote
    • Condo Quote
    • Flood Quote
    • Umbrella Quote
    • Life Quote
    • Health Quote
    • Business Insurance >
      • Business Owners Policy
      • Contractors Liability
      • Commercial Auto/Cargo
      • Workers Compensation Quote
      • Flood Quote
      • Group Life Quote
      • Group Health Quote
      • Special Event Quote
  • Our Products
    • Personal Dwelling >
      • Home Insurance
      • Condo Insurance
      • Renters Insurance
      • Landlords Insurance
    • Auto Insurance >
      • Roadside Assistance
      • Classic Car Insurance
      • RV Insurance
      • ATV Insurance
      • Motorcycle Insurance
    • Boat Insurance
    • Umbrella Insurance
    • Flood Insurance
    • Business Insurance >
      • Business Owners Package (BOP) Insurance
      • Health Insurance >
        • Life Insurance
        • Final Expense Insurance
        • Dental Insurance
        • Vision Insurance
        • Disability Insurance
        • Critical Illness Insurance
        • Long Term Care Insurance
      • Insurance Bonds
      • Workers Compensation
      • Event Insurance
      • Builders Risk
    • Financial Planning >
      • Annuities
  • Client Service
    • Report a Claim
    • Update Contact Info
    • Make a Payment
    • Policy Change
    • Online Documents
  • About Us
    • Client Testimonials
  • Contact
  • TAX PREPARING