Health insurance, a type of insurance that covers medical and surgical expenses in case of an accident or illness, is an ever-evolving segment and the choices therein seem limitless. Just like others, this type of insurance doesn’t have one plan that fits all.


At The Jeff Lambert Insurance Agency, we not only have individual but also group health insurance plans that cover employees of a micro business. Today, health insurance is a critical factor in retaining employees (a company’s greatest asset) and maintaining their productivity. With that in mind, we understand you or your business’s needs, take you through the various health insurance options and offer what’s best-suited. And just in case, we don’t have what you want (which is rare), we’d be happy to connect you to another vendor to satisfy your needs.



How much is the premium? Which doctors and hospitals accept this plan? Will there be high deductibles or copays prior to the plan paying anything? Will my prescriptions be covered under this? These are the kind of questions you need to find answers to when looking through different types of health insurance plans & solutions in the market.

Let’s learn about health insurance plans for individuals available in the current market, and their pros and cons.


Type Advantages Disadvantages
Traditional Indemnity Plan 
  • Covers most illnesses or diseases
  • Freedom to choose doctors and hospitals
  • No referral required for specialist visits
  • Usually a PPO and part of a massively acceptednetwork such as PHCS
  • Premiums maybe 50% less expensive vs major medical
  • Can be used at any doctor regardless of network affiliation
  • Outpatient services are accessible prior to any deductible being paid
  • Out-of-pocket expenses for some preventive care and diagnostics
  • Capped limit on annual and lifetime claim amounts
  • Pre-existing conditions may not be covered for a year (sometimes 2 years)
  • Not a good choice if you are currently taking expensive medication
  • Not a good fit if you are planning maternity or childbirth within the plan’s period
Short Term Plans
  • Budget-friendly
  • Operates like a major medical plan
  • Can cover prenatal care and childbirth after a waiting period
  • No limit on maximum claim per year or per policy
  • Can have high deductibles, copays, and max out-of-pocket expenses
  • Usually not guaranteed renewable
  • Excessive claims may leave you uninsured after the renewal date
Affordable Care Act (Obamacare)
  • Great if you have significant and expensive health issues
  • Covers childbirth, durable equipment and diagnostic testing
    – Comprehensive prescription drug coverage
  • No limit on claim allowed
  • Sometimes includes high premiums
  • Lack of flexibility in a few cases
  • Premium increase is historically out of control
  • Must enroll during open enrollment periods or have a qualifying event for enrollment
Healthcare Sharing Plans
  • Lower premiums vs ACA (Obamacare)
  • All premiums go into a bucket. Member premiums used to pay claim
  • Can cover childbirth and related expenses after waiting period
  • Operates like a major medical plan
  • Not regulated by any government body- Network limitations can be an issue
  • Potentially high copays, deductibles, and Max out of pocket expenses


Why Do I Need to Buy Health Insurance Policy?

The health sector is an expensive arena and hospitalization can derail your finances overnight. All this can be avoided if you invest in a health insurance policy using a small portion of your annual income. A good health insurance policy provides the following benefits for the insured:

– Easy to understand benefits
– Reasonable and reliable premiums
– Wellness checks
– Inpatient procedure coverages
– Vast accessibility to doctors and hospitals
– Hassle-free claims
– Prescription drugs


How Much Does Health Insurance Cost?

The cost of health insurance depends on your age, the type of policy you take, the amount of premium you pay, the sum insured, and other benefits you expect from the policy’s maturity.


How Can You Buy Health Insurance?

If you’re looking to buy health insurance policy, first zero-in on the purpose behind buying a health insurance and its cost. Once that is decided, search for local health insurance companies, like us, a licensed private health insurance agent/agency.

Folks in Texas, get in touch with us for health insurance that’s best fit for you. You can either request a call back or apply for a free quote and we’d be happy to serve you.

Frequently Asked Questions:

What is the
basic health insurance cost?

Health insurance and its cost differ from person to person. What’s the best rate for your friend or sibling may not be the best health insurance plan for you too because it is determined on the basis of multiple factors – scroll up to read or request a call back from one of our friendly agents.


How to get cheap health insurance plans?

Several private agents or websites may offer you affordable full coverage health insurance plans or cheaper ones; however, you must remember to evaluate each thoroughly to find out which best fits your requirement and budget. Look for the hidden clauses and conditions.


What is the difference between healthcare and health insurance?

Healthcare and insurance may often be used interchangeably but they are two different terms under the umbrella of health. While health insurance provides cover for medical services, healthcare includes diagnosis, treatment, and prevention of disease by licensed and trained professionals. A person seeking healthcare may not necessarily seek or have health insurance.


How do I pay the premium?

Individuals and families can pay the premium automatically through a bank draft. Meanwhile, owners of small businesses or people employed in such establishments can opt for group billing for individual plans. Small businesses can also pay via monthly invoices.


Quality Protection For Your Needs

Customizing your insurance is simple with That’s because we offer life, health disability, mortgage protection and “safe money” investments, all under one roof.

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