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Pat Carpenter's Articles in Insurance

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  • Texas Hospitals Ask For Help To Make Health Insurance More Affordable And Accessible
    The Texas Hospital Association (THA) is urging lawmakers in Dallas, Houston and throughout the rest of the state to take the right steps to make health insurance more affordable and accessible to individuals in Texas. The state ranks first in the country in the percentage of uninsured residents (24.6%).
  • Perma-Lancing In Texas, Without A Health Insurance Net
    For many self-employed individuals in Dallas, Houston and elsewhere in Texas, health insurance is the last thing they can afford. Those who work for themselves often say, "I can't afford to get sick. Period." The term "sick days" isn't even something that crosses their minds, let alone enters their vocabularies.
  • Searching For The Shovel In Texas: The Young Are Digging Themselves Out Of The Healthcare Crisis
    Perhaps it shouldn't feel like suffering a personal wound when learning about the state of health care coverage in Dallas, Houston and throughout Texas, or anywhere else in this country but it does. In fact, for most of us, it really does.
  • Small Business Health Insurance Basics In Texas
    Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans; checking and re-checking the dollars and totals for deductibles and co-pays; making sense of plan limitations and exclusions; deciphering a dictionary's worth of insurance-speak. It's enough to make anyone feel like a high-school freshman again.
  • Forming A Private Purchasing Cooperative For Health Insurance In Texas
    As stated by the Texas Department of Insurance, the Texas Legislature enacted three bills that allow small business employers to form cooperatives for the purchase of employer health benefit plans in Dallas, Houston and throughout Texas.
  • Mom-And-Pop Shops In Texas Encounter Hurdles When Buying Health Insurance
    The results of an April 2004 Commonwealth Fund white paper* show that the economics of small business group insurance makes offering health benefits to employees is risky.
  • On Your Own - Self-Employment And Health Insurance In Texas
    There are more than a million individual or family-owned businesses in Texas, and more people are contemplating opening their own business every day. For the small business owner, the same subject always comes up - self-employed health insurance.
  • Why Health Insurance Is Important To Young Individuals In Texas
    Young individuals in Dallas, Houston and throughout Texas are a pretty healthy group in general, but going without health insurance interferes with their access to the health care system, introduces barriers to care when it's needed, and leaves young individuals and their families at risk for high out-of-pocket costs in the face of severe illness or injury.
  • And The Survey Says - New Numbers Regarding Small Biz And Health Insurance In Texas
    A 2006 survey, released by the health insurance trade group America's Health Insurance Plans (AHIP), offers a snapshot look at small group health insurance plans throughout Texas and nationwide.
  • Keeping An Eye Out For Health Insurance Fraud In Texas
    Insurance fraud. It happens daily. There are a number of bogus health insurance companies and agents in Dallas, Houston or anywhere else in Texas who will take your money and run.
  • Out On The Edge - The Lack of Health Insurance Benefits For Nonstandard Workers In Texas
    A 2005 Commonwealth Fund white paper reported on two important trends in the U.S. workforce - the increasing prevalence of workers in part-time, temporary, contract or non-standard positions, and the decline in access to employer-provided health insurance.
  • Short-Term Health Insurance - What are the Benefits?
    So you've just graduated from college, don't yet have a job and have just found out that you're no longer covered under your parents' health insurance plan. Maybe you've decided to leave your current job and look for a new one.
  • The Hidden Sting of COBRA In Texas Health Insurance
    If you lose your job anywhere in the US, including Texas, one of the many questions you'll have is: "Will I lose my health coverage, too?"
  • Getting The Most From Your Individual Health Plan In Texas
    How can you effectively utilize your individual health insurance plan? It starts by becoming an active participant in your own health and healthcare.
  • A Spoon Full of Sugar - How to Save on Prescription Drugs in Texas
    With the cost of prescription drugs continuing to skyrocket, you need to stay savvy regarding the use of money-saving strategies. According to the Employee Benefit Research Institute, prescription drug expenditures, in Texas as well as throughout the U.S., grew at double-digit rates during almost every year since 1980.
  • How Does a PPO Work In Texas?
    Many Texans shopping for individual health insurance do not understand what a Preferred Provider Organization (or PPO) is all about. A PPO negotiates discount arrangements with doctors, hospitals and other providers who accept lower fees from the insurer for their services.
  • What is Catastrophic Health Insurance?
    So your employer in Dallas, Houston or any place in Texas doesn't offer health insurance. Perhaps you can't afford to pay for a health plan. Or maybe you just don't want pay for health coverage because you're healthy enough that you feel "you don't need it."
  • Covering Your Smile And Eyes In Texas
    Paying out-of-pocket for yearly dental checkups probably won't break the bank. But what happens if you need more serious dental work? Whether you live in Texas or anywhere else in the country, a root canal or crown can easily cost more than $1,000.
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