Looking for Health Insurance in Texas? Best Plans for Benefits Brokers
9 Minutes
Team Curative
Dec 27, 2022
Over the past few years, Texans, like the rest of the nation, faced seemingly unending threats to their health. Between COVID-19, a severe flu season, and dangerous weather events that affected infrastructure, having a health insurance plan in Texas that clients trust is integral to individual health and societal well-being. As a health benefits broker, deciding the best health insurance companies for your clients is your full-time job. When presented with a new option, knowing the best practices in preventive, wellness-based policies in health insurance plans in Texas can help simplify the process.
Innovation in Health Insurance
Over the past few years, the COVID-19 pandemic revealed various problems within the healthcare industry. From staffing shortages to career changes, Texas employers are focused on attracting new talent while retaining current employees.
For businesses to remain competitive, employers are offering innovative incentives in health and care areas often ignored, like:
Telehealth
Companies understand the need for flexibility and remote options for today’s workforce. The COVID-19 pandemic was a case study of how prioritizing employees’ wellness and mental health is crucial to success.
Many employers are offering telehealth options for their employees that fit this new flexibility standard. Telehealth appointments allow employees the ability to see a doctor without ever leaving home, increasing productivity and the likelihood of receiving the care they need.
Pharmaceutical Deliveries
According to the Kaiser Family Foundation, there were over 171 million mail-order prescription drugs delivered in the United States in 2019.
Many employees are requesting health plans offering online pharmacy services, more options for coverage, and drug delivery to employees’ doorsteps. This not only eliminates time spent traveling to the pharmacy but also hidden costs, like gas and vehicle attrition.
Holistic Wellness
According to Wellable Lab’s 2022 Employee Wellness Industry Trends Report, employers are seeing the value of improving employee health indicators beyond just the traditional approach. This year, 80 percent of employers are investing more in stress management and resilience offerings, 71 percent in mindfulness programs, and 90 percent in mental health services.
A healthy and happy employee is a productive employee. Today’s successful and competitive health plans fit that mentality and offer increased access to free immunizations, preventive health, and lifestyle change support in cases of obesity and tobacco cessation.
Innovative health insurance plans in Texas that cover the growing needs of workers have never been more necessary. According to a 2022 poll conducted by the Kaiser Family Foundation, nearly half of US adults struggle to afford healthcare costs. High healthcare costs have a direct impact on public health and well-being, as many people avoid accessing treatment out of fear of unexpected costs. Studies show that 24 percent of Americans opt out of physician office visits, 17 percent of mental health services, and 13 percent of hospital services because of costs. Furthermore, a lack of cost transparency for in-network services can lead to unexpected copays and bills.
The financial burden of medical costs leaves many people seemingly on their own. It’s easy for people to feel overwhelmed or confused about how best to alleviate that burden with so many healthcare offers and options out there. As a health benefits broker, finding a wellness-based plan based on prevention and wellness incentives is a must for many of your largest clients. On top of that, cost transparency is key.
Health insurance brokers search for the best insurance plan for their clients depending on their needs. Brokers act as authorized representatives from health insurance companies to help clients make informed decisions. Clients towards brokers who are knowledgeable about plan options, company renewal processes, and commission fees they charge.
Employers search for quality and comprehensive health care plans according to value-based care. Employers are key drivers of innovative healthcare accessibility and delivery for their employees. More and more, employers are tailoring communications to include every person in the health care insurance decision-making process. From virtual care options to cost management tools to opioid abuse therapies, employers are taking a more active role in choosing insurance plans that are right for their businesses.
Employees view health coverage as a major factor when deciding to stay at their current job or seek a new opportunity. Before deciding on a new position, they consider the insurance plan of the employer. Employees also evaluate their personal healthcare needs, such as how often they can visit healthcare specialists, the prescription costs, and any chronic conditions they may have. A health insurance plan in Texas that offers wellness benefits can help eliminate unnecessary stress when choosing the right job–and health plan–for each person and their family.
Health Benefits Brokers in Texas
Any health insurance provider should share the commitment to helping employees reach their full health potential. Your clients have changing needs, which is why offering a health plan that prioritizes complete cost transparency, exceptional member experience, and competitive compensation that your clients will love is invaluable.
The two largest indicators of success for brokers are ease of adoption and compensation. Look for an innovative health plan that centers on the long-term relationships you have built with companies across the Austin area by offering features that make it easy for employees to navigate in an ever-growing industry.
Curative is an emerging health plan option dedicated to upending traditional health care coverage. The plan emphasizes transparency and whole-person preventive care for today’s post-pandemic workforce. Curative offers:
Complete cost transparency - one premium and $0 copays, $0 deductibles, and $0 out-of-pocket costs for in-network care and preferred drugs*
Exceptional service - 24/7 access to member support
Speed - quick set-up with timely, competitive quotes
*Curative members are eligible for no copays and no deductibles if they complete a Baseline Visit within 120 days of their enrollment.
A new approach to preventive, timely coverage for improved healthcare outcomes ensures your clients receive the best care in the market. Client satisfaction helps you provide members with access to the care they need to reach their full health potential. More than that, it ensures your clients stay competitive when attracting and retaining top talent.
Just as maintaining trustworthiness in your current client relationships is important, an exceptional member-centric experience makes building new relationships with Texas employees easier than ever before. New health insurance plans in Texas mean better options for clients, and a more diverse offering can help alleviate potential customer losses.
The Best Health Insurance In Texas
The Curative Health Plan is Texas’ newest health insurance offering for employers with 51+ full-time employees and has one of the largest networks in the Austin area. Our comprehensive plan features one monthly premium payment and $0 copays, $0 deductibles, and $ out-of-pocket for in-network care and preferred drugs. When you start your health journey with Curative, you’ll meet your Care Navigator, your direct point of contact who works with you to achieve your best, whole self. With no hidden fees or hurdles, the Curative Health Plan operates like any other monthly subscription you use: one payment to access all services.
At Curative, we’re on a mission to upend traditional healthcare coverage. We believe prevention is key to a long and healthy life. That’s why partnerships are at the heart of our work. We know the health insurance field in Texas inside and out, meaning you can rest assured you’re getting the best care at the best rate. Our zero-stress plan prioritizes innovation, cost transparency, and client satisfaction to bring your clients the best possible protection.
For brokers, employers, and employees alike, Curative seeks to challenge everything you might think about what a health insurance plan can be.
Why choose Curative? Because we strive to provide high-quality health coverage with cost transparency at our core, making us one of the best health insurance companies in Texas. Our dynamic health plan presents specific features and benefits for members at all levels of the industry, from brokers to employers to employees.
With Curative, you’ll never be left in the dark. We promise to deliver:
Quality – specially designed provider network for Austin’s growing community.
Personalized care – no-cost Baseline Visit to better understand members’ health goals and catch issues
Curative Commons – Opening in Q1 2023, it’s a next-generation health and wellness center in the heart of Austin.
Convenience – 24/7, 365 access to member support and physicians via NormanMD, and same-day prescription delivery when available.
*Curative members are eligible for no copays and no deductibles if they complete a Baseline Visit within 120 days of their enrollment.
Curative is innovative and different and strives to become the best health insurance plan in Texas. We don’t ignore health care problems facing millions of Texans; we embrace them. We’ve built a plan that centers on cost transparency and whole-person preventive care, rather than endless barriers and roadblocks. Our health insurance plan starts in Austin, Texas, and will soon be available throughout the state and other regions in the U.S. We believe societal well-being starts in communities. Together, we’ll build a healthier tomorrow.
Eager to explore client-centered health plans with one of the best health insurance companies in Texas? Visit us at https://curative.com/for-brokers for more information.
Sources:
Beaton, T. (2018, September 26). Employers are experimenting with innovative health plan designs. Health Payer Intelligence.
Duncan, K. (2022, December 10). How to choose a health insurance plan from an employer. Job Sage.
Ferguson, S. (2022, October 31). 9 innovative benefits businesses can offer to attract and retain talent. U.S. Chamber of Commerce.
Montero, A., Kearney, A., Hamel, L., Brodier, M. (2022, July 14). Americans’ challenges with health care costs. Kaiser Family Foundation.
State Health Facts (2020, March 5). Number of mail order prescriptions drugs by Payer. Retrieved December 22, 2022.
2021 Employee Wellness Industry Trends Report. (2021) Wellable Labs. (n.d.). Retrieved December 26, 2022.
What you should be asking your health insurance broker. (2018, March 16). Business Benefits Group.
NOT LEGAL ADVICE: The information provided on this blog does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only. Information on this website may not constitute the most up-to-date legal or other information.
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*Health care provided through the NormanMD network of medical providers. Treatment options and eligibility determinations made by independent licensed medical providers.
* Patients experiencing a medical emergency or who have concerns about their medical situation should call 911 (or the local emergency number) immediately."
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