East Coast Health Insurance offers five great Dallas health insurance companies to choose from for you and your family’s individual health insurance needs. To see all the plan choices, get your own Dallas health insurance quote now!
Dallas Health Insurance Market
We currently offer health insurance plans from Aetna, Scott & White, Cigna, Blue Cross Blue Shield of Texas, Humana, and UnitedHealthcare.
To give you a good idea of what to expect when shopping for Dallas health insurance, I ran a few sample off-exchange health insurance quotes. If you are like me, then you will want a plan that covers office visits and prescriptions with a copay and not a deductible. Hospitalization and major medical services of course will have a deductible, so I chose a moderate base deductible of $2,500 and a maximum out of pocket of $5,000 for each company – or as close as I could get.
With these filters, we will be looking at Silver and Gold plans. Keep in mind, if you think you qualify for financial assistance, different options are available through the Marketplace, where premium rates and cost sharing are income-based.
The price leader in this portion of the Dallas health insurance market is Blue Cross and Blue Shield of Texas. At $276.18 per month, the Blue Advantage Silver HMO 004 buys you unlimited $30 copays for primary office visits and $50 per specialist visit. The out of pocket limit is $6,350 including the $3,000 deductible, and coinsurance is 20%. For the overall savings and the trusted Blue brand name, this policy is a best seller statewide.
Another affordable option is Scott & White at $283.32. The Silver 2500/30OV plan has a deductible of $2,500 and a maximum out of pocket of $6,500 including all coinsurance and deductibles. As an HMO plan, only emergency care is covered out of network. The $30 office visit copay is unlimited, which is a great benefit despite the high exposure and network restrictions of an HMO plan.
The UnitedHealthcare Silver Copay Select 2 plan has a deductible of $2,500 and out of pocket limit of $6,600 for $334.63 per month. The policy includes copays for the first 4 office visits at $30, and prescriptions starting at $15 for Tier 1 brand and generic. Like Scott & White, this plan is also an HMO, yet no services are covered out of network.
Also competing in this middle range of Dallas Silver plans are Cigna and Aetna, both with higher deductibles of $2,750. Of the two, I would choose Aetna for $5 unlimited office visit copays.
Humana Gold 2500 moves to the next metallic coverage tier and claims the most expensive spot on our Dallas list at $446.11 per month. For the higher premium you have the security of a lower out of pocket limit of $5,000. This policy offers significant protection with 20% coinsurance after deductible, a $5-10 copay for Tier 1 medications and bonus coverage like 20% coinsurance for chiropractic care. This would be a great choice for a family plan or for a younger Texan with medical conditions.
Of course you might be the one demographic where they are affordable, so please do run your own health quote to see which company is the most affordable for you.