I predict a certain amount of chaos in the health insurance biz in TX in the near future. Not just unicare, but all companies. Out of all the 50 states, TX is a real problem child for health insurance. It just is.
I predict a certain amount of chaos in the health insurance biz in TX in the near future. Not just unicare, but all companies. Out of all the 50 states, TX is a real problem child for health insurance. It just is.
Mind sharing your wisdom on why Texas is the "real problem child" of the business?
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I can't spell, I can't write..... and I can't be bothered if you dont like it... got it???
"The problems here, as elsewhere, are many. Small employers are dropping health coverage. Federal and state subsidies don't make up the difference. Illegal immigrants represent 21% of the county's public caseload, even though they represent only about 6% of the area's population."
You see, we already have social healthcare that is paid for by medicaid. We have politicians wanting a TX healthcare plan of some sort. Well, the feds already pay for a lot of it, state of TX just wants to figure out how to get the insurance companies or citizens {or somebody} to pay the rest...
Employers are not wanting to offer coverage. People do not seem to be taking to HSA's very well. Limited benefit plans are limited. High deductible plans have high deductibles.
People know they can go in any hospital while uninsured, say they are too broke to pay, and get treated and the hospital just writes it off as a loss, then the hospital just goes and begs the feds and they pay.
It's a big train out of control, coming off the tracks, and if you were a health insurer would you want to be around here? It's very much like a P&C company not wanting to insure a house on the coast: getting involved in health insurance in TX is like jumping headfirst into a bad storm. This is the biggest state with the most uninsured people and the most handouts to people from Mexico and from here and from all over. Not a good plan- right now. When does it all come crashing down?
It is ironic anyone in Texas would consider universal health care when workers comp is optional, and seldom carried by Texas employers.
How about requiring workers comp first - then come back and talk to me about health care - or even better enforcing auto insurance, and actually TRAINING drivers not this sorry drivers test that is in place now.
One last item - if you get pulled over and are illegal - do not pass go, do not collect $200 - you go home, you are a criminal. If Houston wants to continue to break federal law - it should be cut off of all Federal funding, no exceptions.
I pay over $2000/mo in school tax so illegals can join my children in our new $16 million school and $200 million bond? I am financing an illegal to use our schools... Ohhh but it is for the kids, I can't say anything.
Let me find out and confirm one illegal in my school that I paid for and the writing campaign will begin. People are reaching a breaking point. What is fair is fair.
My wife is an immigrant (legal) and my kids are mix so no one can pull the race card on me. I know what I paid and went through to get my wife's legal status, and no one should get a free ride.
On a lighter note - Unicare (original thread) does not require socials and will insure illegals... lol...
Speaking of workers comp, I started a thread about that, and in TX: it seems that most insurance companies here in TX just simply state they will not cover on the job injuries { because there should be workers comp in place for that} however, in most cases, no workers comp. I think they just use the "legaleeze" from other states and copy and paste the language to our state health policies. So, the majority of the time, there is a question as to whether or not the employee has coverage on the job in TX. Just one more item that makes health insurance coverage a less desirable market in TX for health companies.
It's very much like a P&C company not wanting to insure a house on the coast: getting involved in health insurance in TX is like jumping headfirst into a bad storm
I don't work the TX market, but if I did I would welcome this kind of attitude. Just creates more opportunity for me.
When employers abandon employee benefits, it creates more opportunity for me.
HO carriers abandon coastal markets because the GOVERNMENT limits their ability to make a profit. The GOVERNMENT does this by dictating who must be covered, how much the carrier can charge and by manipulating the contracts in the courts.
Agents thought their life was over when the GOVERNMENT introduced Medicare. Fact is, Medicare created a new market.
Of course Medicare is on the ropes, which means taking on another project (even on a state level) is another disaster. The GOVERNMENT is totally incapable of managing risk and continues to prove this on a daily basis.
If you are afraid of the GOVERNMENT taking over your job then maybe selling cars is a better choice.
Speaking of workers comp, I started a thread about that, and in TX: it seems that most insurance companies here in TX just simply state they will not cover on the job injuries { because there should be workers comp in place for that} however, in most cases, no workers comp.
When an employer goes naked they are not exonerated from any liability for OTJ injuries . . . it simply means they are self insured.
Carriers in all states, not just TX, exclude work related injuries when WC is available, even if it is not purchased by the employer. The only time I have seen contract language cover OTJ injuries is when WC is not avaialble.
Trust me... Texas will not institute universal healthcare. Do realize how conservative the State of Texas is? The Texas politicians that would vote for this type of bill would find a very short career ahead of them. Texans do not take kindly to tax increases...
Don't be so sure - Our governor just implemented the biggest tax increase to business in the history of the state. My taxes are going way up.
And a lot of Texas carriers cover you ON OR OFF the job. Hasn't anyone else seen the Mega Life commercials? lol.
Exactly my point... The size of the increase required to cover universal healthcare would be astronomical... Imagine increasing everyone, including the "regular people"... It won't happen!
[COLOR=black][/COLOR] [COLOR=#1F497D]Scott[/COLOR][COLOR=#1F497D]- Hey there! I would love for you to come to this UniCare meeting on Friday, May 2nd. Please let me know if you’re interested. Thanks![/COLOR]
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Yea .....with a gun......just got this email this morning.....but its only 20 min's from the house so count me in......
[COLOR=#1F497D]Yea! I can’t wait to meet you in person. I’m RSVPing for you!!![/COLOR]
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[COLOR=#1F497D][/COLOR] [COLOR=#1F497D]Alicia Bowers[/COLOR]
[COLOR=#1F497D]Broker Sales and Service Representative[/COLOR] [COLOR=#365F91]Benefitport>>Southwest[/COLOR]
[COLOR=#1F497D]210 804-9996[/COLOR]
[COLOR=#1F497D]210 805-0671 (fax)[/COLOR]
[COLOR=#1F497D]210 854-9780 (cell)[/COLOR] [COLOR=#1F497D][/COLOR] [COLOR=#1F497D]Please note our NEW address:[/COLOR] [COLOR=#1F497D]10010 San Pedro[/COLOR] [COLOR=#1F497D]Suite 550[/COLOR] [COLOR=#1F497D]San Antonio, Texas 78216[/COLOR] [COLOR=#1F497D][/COLOR]
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WellPoint/UniCare is proud to be a sponsor of the FedEx Kinko’s Classic to support The Dell Children's Medical Center of Central Texas. UniCare strives to improve the lives of those we serve, and a large portion of this year’s proceeds will be donated to this outstanding not-for-profit community provider. Focused on treating children, this new medical center provides top-notch care and service in an environment that is designed specifically for children. Come join us for our small group breakfast seminar and golf outing.
Following Breakfast: Fed Ex Kinko’s Event- [COLOR=red]Broker Golf Outing[/COLOR]
Join us after attending the breakfast at the UniCare hospitality tent on the 18th Green—there will be refreshments, buffet service, seating, and even a Tournament TV so you don’t have to miss a single stroke! Shuttles will be running all day to and from the Lakeway Inn to the Kinko’s Fed Ex Golf Event.
Please RSVP!!!
I look forward to seeing youthere.
WellPoint/UniCare is proud to be a sponsor of the FedEx Kinko’s Classic to support The Dell Children's Medical Center of Central Texas. UniCare strives to improve the lives of those we serve, and a large portion of this year’s proceeds will be donated to this outstanding not-for-profit community provider. Focused on treating children, this new medical center provides top-notch care and service in an environment that is designed specifically for children. Come join us for our small group breakfast seminar and golf outing.
Following Breakfast: Fed Ex Kinko’s Event- [COLOR=red]Broker Golf Outing[/COLOR]
Join us after attending the breakfast at the UniCare hospitality tent on the 18th Green—there will be refreshments, buffet service, seating, and even a Tournament TV so you don’t have to miss a single stroke! Shuttles will be running all day to and from the Lakeway Inn to the Kinko’s Fed Ex Golf Event.
To Homeservice, I read your response regarding Texas as being the "problem child" of America regarding health insurance. Your response does not answer the question. All points you made reflect a public policy decision regarding undocumented workers and workers comp. They have nothing to do with the health insurance market in Texas. Both are public policy matters. Undocumented workers does not affect my ability to sell an indy health policy. Workers comp is not a health insurance issuse, it's a workers comp issuse. I feel we have some of the best options in America to offer the public in health insurance, unlike some states where the Blues control the market, or states that dont pay as high of commission as we do or states that have more expensive risk pools and on and on and on... Could we make adjustments, YES... are we the "problem child" HELL NO!!
I was born and raised here in North Texas, held public office in this state, and know it like the back of my hand, not someone that has bounced around in life for the past 20 years not knowing what to do with their life as you have stated in past post.
Next time you decided to trash the health insurance business here in Texas, which I have been a part of for 16 years selling ONLY indy policies, be prepared to bring more than BS and a background in limited benefit supplement policies to back up your claims.
To Homeservice, I read your response regarding Texas as being the "problem child" of America regarding health insurance. Your response does not answer the question. All points you made reflect a public policy decision regarding undocumented workers and workers comp. They have nothing to do with the health insurance market in Texas. Both are public policy matters. Undocumented workers does not affect my ability to sell an indy health policy. Workers comp is not a health insurance issuse, it's a workers comp issuse. I feel we have some of the best options in America to offer the public in health insurance, unlike some states where the Blues control the market, or states that dont pay as high of commission as we do or states that have more expensive risk pools and on and on and on... Could we make adjustments, YES... are we the "problem child" HELL NO!!
I was born and raised here in North Texas, held public office in this state, and know it like the back of my hand, not someone that has bounced around in life for the past 20 years not knowing what to do with their life as you have stated in past post.
Next time you decided to trash the health insurance business here in Texas, which I have been a part of for 16 years selling ONLY indy policies, be prepared to bring more than BS and a background in limited benefit supplement policies to back up your claims.
Peeler, I'm trying to tell you that selling individual health insurance in this state is not a great plan. I've been here selling since 1990. Got you beat on that, been selling more than 16 years. I worked for Mutual of Omaha selling individual health major med { not just supplemental and limited} and they pulled it. I worked for a Dallas company called Republic Bankers, selling individual health, they pulled it. These companies are pulling health products like crazy. Here's a few more: Principal, Bankers Life and Casualty. Physicians Mutual had a major med, pulled it. I have no clue who you are selling with, but plan on them pulling the product, or changing it drastically. Your choices are dwindling. { even NASE and Farm and Ranch keep changing carriers and changing things up.... things change in a year or two... or in 6 months.} Unicare has a dodgy reputation around here, as does Humana. So does United. Humana and United mainly because they pull out of HMO networks and leave people hanging. Assurant is non-competitive. The Blues kind of run this state anyhow. If you are selling health in this state it better be with Blue Cross, or Aetna or maybe Golden Rule. That's about all the ones that I can think of... well, maybe American National. As a matter of fact, I'm surprised American National doesn't pull the health and concentrate on life.
You write health insurance and you are writing a claim, that's basically it. TX has some of the biggest problems with the most uninsured, the most illegals, the most health conditions, overweight, and the most politicians wanting to be famous for figuring out the solution. That right there is the biggest problem: Texas politicians, you guys think they are conservative around here? They sure don't tax and spend like they are conservative.
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