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Total Insurance Services, LLC   9111 Katy Freeway, Suite #200, Houston, TX 77024  Office: 713-461-4600 Fax: 713-513-5513  E-mail        
Total Insurance Services serving the Houston area

What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.

Managed Care
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Dental Insurance
Dental insurance’s low cost makes it highly affordable for individuals and families, plus dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Maintaining a healthy mouth can cost hundreds, even thousands of dollars. Should you ever need costly care, from filings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed. So, if you buy dental insurance, you will probably use it. And, like millions of Americans who have protection, you'll probably be glad you did.

Medicare Supplemental Insurance (MediGap)
Consider these facts in deciding if Medicare Supplement insurance for hospital and medical coverage is right for you:

  • Medicare does not cover all health care bills.
  • Medicare has deductibles and co-payments for some services.
  • The insured is responsible for paying the costs of services not covered by Medicare.

For example, all MediGap plans include:

  • Inpatient Hospital Care: Covers the cost of Part A coinsurance and the cost of 365 extra days of hospital care during your lifetime after Medicare coverage ends.
  • For medicare supplement plans, Medical Costs: Covers the Part B coinsurance (generally 20% of Medicare-approved payment amount) or copayment amount which may vary according to the service. For hospital outpatient services, the copayment amount will be paid under a prospective payment system. If this system is not used, then 20% of eligible expenses will be paid.
  • Blood: Covers the first 3 pints of blood each year.
Contact us today to find out which Medicare Supplemental Insurance plan best suits your needs.
Download the MediGap Guide 2008 (PDF)

Travel Health Insurance
Learn more about your options from our Coverage without Boundaries® from International Medical Group (IMG) by visiting this page.

Global Medical Insurance®


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MediGap Guide