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Health Insurance

You can now enroll yourself into a health insurance plan. Don't worry you can always call us for help.
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Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health and Medical Insurance

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

Let us Help You Navigate Your Family and Individual Health Insurance Options! Consult with a professional Middaugh Insurance representative for your Individual and Family Health Insurance

Frequently asked questions

The Affordable Care Act requires coverage for pediatric vision care as one of the essential health benefits. So for children under the age of 19, vision coverage is included in all new individual market plans, on and off-exchange. This means kids have coverage for eye exams, vision screening, and glasses or contact lenses to correct vision problems.
Yes, and it’s recommended that you do. You can use brokers to assist you in purchasing a marketplace policy as long as they are certified by your state’s marketplace. HealthCare.gov and all of the state-run exchanges provide training and certification to brokers who wish to work with them, and consumers can seek assistance from those brokers.
It depends on your relationship with your doctor. If you’re not particularly attached to her, it might be easier to just find someone new. But if you prefer to continue working with her, you’ll need to have a conversation with her or with her office staff to determine what carriers she still has network contracts with.
Probably not. If your employer’s insurance is “affordable” and provides “minimum value” (ie, is comprehensive), you are not eligible for a government subsidy to help buy a policy in the exchanges. You could still buy a plan in the exchange, but you’d have to pay full price for it, so it is extremely unlikely that you would get better and less expensive coverage in the exchange.

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Middaugh Insurance has everything you need to get yourself covered! We Are One of the Leading Insurance Agencies in Texas!

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