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FAQs and Brochures

Your Health Care Coverage (Texas)
Basics on HMOs, PPOs and Fee For Service Plans.
Other topics include, pre-existing conditions/Previous Medical History, Limitations, Benefits, Claims and Billing Complaints Handling, Loss of Coverage and fraud.

10 Ways To Avoid Outrageous Hospital Overcharges
Profit-hungry hospitals are overcharging consumers an estimated
$10 billion a year. Some deliberately work to keep bills indecipherable.
Here's how to fight back.

Filing An Insurance Claim (FAQ's & Articles)

Dealing With Insurance Companies When You've had An Accident (Nolo.com) 

Healthcare For The Uninsured (Texas)
In Texas, each non-profit hospital is required to provide a certain amount of free health care to people who have no health insurance, or cannot afford to pay for hospital care.

Insurance Assistance for Medical Providers (Texas)
Meant for Doctors but has good information on insurer bad faith failure to pay claims.

FAQs On Health Maintenance Organizations (Texas)
Choosing an HMO, HMO limitations, protections for HMO members and filing complaints.

Health Care Coverage Options for Texas Children

Worker's Compensation Claims (Consumer-SOS)

Insurance Fraud-Avoid Being a Victim (Texas)
Outlines various schemes and how you can protect yourself.

Insurance on the Internet-Shopping Tips and Dangers (Texas)

Understanding Surplus Lines (Texas)
What you need to know when getting insurance for unusual risks that are not covered by traditional insurers.

Questions To Ask Regarding Employer Provided Health Benefits

Know Your COBRA Rights (With Links To all 50 States & DC) 
Their drop box links you to your regional or district office of the Pension and Welfare Benefits Administration of the U.S. Department of Labor, which oversees COBRA.

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The Best Rates

http://insweb.com
compare free online insurance quotes from many of the nation’s leading insurance companies. We offer quotes for auto insurance, term life insurance, homeowners insurance, individual health insurance and more.

http://www.insurance.com
Comparison shop for auto insurance, life insurance, health insurance and other insurance products.

www.ebix.com
Enter the price you'd like to pay and see if any insurers respond. Also has excellent info on Life, Auto, Health, Home & Misc. Insurance.

www.quotesmith.com
Enter your information once and depending on the coverage sought and other factors, you can end up with quotes from a number of companies.  Life, Auto, &  Health Insurance.

Low Cost Insurance For Children (State By State)

Homeowners, Auto, Life & Health Ins.  (Instant Quotes)

www.insuremarket.com 
Enter your information once and depending on the coverage sought and other factors, you can end up with quotes from a number of companies. Life, Auto, Health, Home & Business Insurance.

United Way Help Line  (For all 50 States, DC & Puerto Rico)
Choose Texas, select your city, and look up help agencies galore!!! Their stellar search engine can lead you to any social service topic you can think of.  Just type in the words "Insurance" and "low cost" or "Insurance" and "(name your topic)"

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Claims

Your Health Care Coverage (Texas)
Basics on HMOs, PPOs and Fee For Service Plans.
Other topics include, pre-existing conditions/Previous Medical History, Limitations, Benefits, Claims and Billing Complaints Handling, Loss of Coverage and fraud.

10 Ways To Avoid Outrageous Hospital Overcharges
Profit-hungry hospitals are overcharging consumers an estimated
$10 billion a year. Some deliberately work to keep bills indecipherable.
Here's how to fight back.

Independent Review Organizations (Texas)
If a health insurer or health maintenance organization (HMO) refuses to pay for a treatment it considers medically unnecessary or inappropriate, you may be able to have an Independent Review Organization (IRO) review the decision. The IRO´s decision is binding on the health care plan, which pays for the review.

Personal Injuries (Nolo.com)
Articles on subjects like: The Basics of Personal Injury Claims, Getting Started, Gathering Evidence, Who Is Liable and Courts and Mediation

For More Help, See

FAQs & Brochures And
Complaints & Licensing

Related Topics
Health & Medical
Accident & Injuries
Car & Motor Vehicles
The Work Place

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Life
FAQs and Brochures
The Best Rates
Claims
Complaints & Licensing

FAQs and Brochures

What You Need To Know About Life Insurance (Texas)

Insuring Your Life (BBB Tips)


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The Best Rates

http://insweb.com
compare free online insurance quotes from many of the nation’s leading insurance companies. We offer quotes for auto insurance, term life insurance, homeowners insurance, individual health insurance and more.

http://www.insurance.com
Comparison shop for auto insurance, life insurance, health insurance and other insurance products.

www.ebix.com
Enter the price you'd like to pay and see if any insurers respond. Also has excellent info on Life, Auto, Health, Home & Misc. Insurance.

www.Quotesmith.com
Enter your information once and depending on the coverage sought and other factors, you can end up with quotes from a number of companies.  Life, Auto, &  Health Insurance.

Homeowners, Auto, Life & Health Ins.  (Instant Quotes)

Life Insurance (On-line Instant Quotes, 50 states & DC)

www.insuremarket.com 
Enter your information once and depending on the coverage sought and other factors, you can end up with quotes from a number of companies. Life, Auto, Health, Home & Business Insurance.

United Way Help Line  (For all 50 States, DC & Puerto Rico)
Choose Texas, select your city, and look up help agencies galore!!! Their stellar search engine can lead you to any social service topic you can think of.  Just type in the words "Insurance" and "low cost" or "Insurance" and "(name your topic)"

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Claims

See FAQs & Brochures

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Home & Property
FAQs and Brochures
The Best Rates
Claims
Complaints & Licensing

FAQs and Brochures

Homeowners Rate Guide (Texas)
This rate guide can help you to compare rates among companies that sell 80 percent or more of the homeowners insurance in your area.  Site also explains how homes are rated and where you can get more information.

Frozen Pipes (Texas)

Storm Warnings (Texas)

What You Should Know About Title Insurance (Texas)

What You Should Know about Renters Insurance (Texas)

Windstorm Insurance Inspections (Texas) Commercial Property Insurance-What Firms Should Know (Texas)

See Consumer-SOS/Home Matters/Insurance

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The Best Rates

www.ebix.com
Enter the price you'd like to pay and see if any insurers respond. Also has excellent info on Life, Auto, Health, Home & Misc. Insurance.

Homeowners, Auto, Life & Health Ins.  (Instant Quotes)

http://insweb.com
compare free online insurance quotes from many of the nation’s leading insurance companies. We offer quotes for auto insurance, term life insurance, homeowners insurance, individual health insurance and more.

http://www.insurance.com
Comparison shop for auto insurance, life insurance, health insurance and other insurance products.

www.insuremarket.com 
Enter your information once and depending on the coverage sought and other factors, you can end up with quotes from a number of companies. Life, Auto, Health, Home & Business Insurance.

United Way Help Line  (For All 50 States, DC & Puerto Rico)
Choose Texas, select your city, and look up help agencies galore!!! Their stellar search engine can lead you to any social service topic you can think of.  Just type in the words "Insurance" and "low cost" or "Insurance" and "(name your topic)"

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See Also Home Matters/Insurance

Claims

TX Dept. of Insurance (Texas)
To get insurance information or to complain about those who sell title, property or other type of insurance.

FAQs and Brochures (Consumer-SOS)

See Home Matters/Insurance

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Misc.

Ins. Co. Emergency Claim Numbers (Google Search)

Insurance Choice of Law Rules For DC & All 50 States (For Lawyers)
Short summaries of which state's law applies when the incident involves the laws of more than one state.

www.gomez.com
Rates and describes online insurance sites by usefulness.

www.ebix.com
Has excellent info on Life, Auto, Health, Home & Misc. Insurance.

www.insure.com
News, analysis and insurance information with a consumer bent.

United Way Help Line  (For all 50 States, DC & Puerto Rico)
Choose Texas, select your city, and look up help agencies galore!!! Their stellar search engine can lead you to any social service topic you can think of.  Just type in the words "Insurance" and "low cost" or "Insurance" and "assistance."

Related Topics
Accident & Injuries
Car & Motor Vehicles
Health & Medical
Home Matters
Government Assistance
Seniors
The Work Place

Complaints & Licensing

Fighting Insurance Companies When They Deny Your Claim How to protect yourself, establish contacts, gather allies and write your appeals and grievance letters.

Texas Department Of Insurance (Texas)
Regulates insurance companies.

Helping You With Your Insurance Complaint (Texas)
What happens when you file a complaint with the Texas Department of Insurance. Also has tips on what to do and the deadlines you must adhere to.

Independent Review Organizations (Texas)
If a health insurer or health maintenance organization (HMO) refuses to pay for a treatment it considers medically unnecessary or inappropriate, you may be able to have an Independent Review Organization (IRO) review the decision. The IRO´s decision is binding on the health care plan, which pays for the review.

How to Request Open Records At The Texas Dept Of Insurance
Their procedures for obtaining information on insurance companies, HMOs, agents, etc.

Attorney for Service (Texas)
Locates the Attorney for each insurance company. May need this to serve them with a copy of your lawsuit.

Consumer Insurance Complaint Information/Data (Texas)
Provides company license information, history, financial data, and number of justified complaints filed against the company.

File An Insurance Related Complaint (Texas)
Use their online complaint form to file a complaint involving  Life, Health, Auto, Homeowner, Real-estate and/or Title Insurance. (Forms in Both English & Spanish)

Discrimination In Insurance (Texas)
Explains details of federal and state laws prohibiting discrimination in insurance and how to file a complaint.

A Guide to the Texas Deceptive Trade Practices-Consumer Protection Act
May help against insurance companies that in some way misrepresented themselves.

Insurance Complaints (All 50 States & DC)
Also has good info on resolving disputes.

Patient Advocacy Links

Ins. Co. Emergency Claim Numbers

Find The AARP In Your State
The AARP offers legal advocacy for seniors and may also have state specific consumer brochures which are available to everyone.

Find Your Local Newspaper, Magazine, Radio & TV Stations
Give them a little bad press and you're bargaining power increases tremendously. Select Texas, and then click on your county or city for the proper media to report to. (DC Not Included).

National Help Orgs For A Variety Of Consumer Problems
The Elderly, Environment, Families, Fraud, Health & Safety, Insurance The Handicapped, Medical Problems, Telemarketing and more.

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Related Topics
Accident & Injuries
Car & Motor Vehicles
Health & Medical
Home Matters
Government Assistance
Seniors
The Workplace/Insurance & Benefits