What to look for in a Large Group Health Insurance Company in Texas

If your are evaluating large group health insurance companies in Texas for your company's employee benefits program, here are some important items that you should consider.

First, to be eligible for an insurance plan from a large group health insurance company in Texas, the number of eligible employees in a Texas business must be above 50 employees.  The number of eligible employees should consistently have been above 50, especially for the last quarter of the year. 

Second, an eligible employee is considered by Texas law to be anyone who works 30 or more hours per week for the company.  Companies that utilize a  number of seasonal or employee workers on an "as needed basis," or who utilize contractors (1099) must abide the wording of specific federal regulations and should consult with an  employment law attorney for additional advice.

And third, a Texas business is considered a business which is headquartered in Texas, with the primary location of business in Texas, and the majority of employees based in Texas. Companies headquartered elsewhere, or doing business in multiple states, or with a majority of employees based in other states may not be elegible for an insurance plan from a large group health insurance company in Texas. 

If you are uncertain of your company's status, you should contact a large group health insurance agency in Texas such as Group Benefits Advisors that is licensed and appointed to represent large group health insurance companies in Texas as well as in other states.  Group Benefits Advisors specializes in Dallas medical insurance, and related group and employee benefits plans.

If your business is considering changing your large group health insurance plan, your first consideration should be the consistency and quality of customer service from both your large group health insurance carrier in Texas, and from your Texas group health insurance broker. 

Have your problems such as claims and enrollment been handled promptly and professionally, throughout the year?  Have you been able to meet and review your company's medical claims, as well as discuss with your broker ways and means to achieve better coverage at a lower cost?