Frequently Asked Questions:

  Why Choose TXInsurance

We shop all of the top rated health insurance companies to find you the best policy at the best rate.  Health Insurance is NOT sold at auction, all rates are registered with the state and prices do not vary from one agent to another - what varies is the service level.  We are open 6 days per week, late hours, and our team of experts can answer complex questions that wills save you time and money.  It all starts with a simple phone call and free evaluation.

APPLYING - How long does my application take to process?
Average processing time is 3 to 10 business days, but each company processing time can vary based on your medical history.  We ask that you respond to all phone calls, emails, and help us expedite your application for you.

APPLYING - Will I receive the rate I was quoted online or by phone?
Around 80% or higher do receive the "preferred" rates quoted.  Rates are higher based on your height and weight, tobacco use, or medical history with most health insurance companies.  Please note we try our best to quote accurately but all applications are subject to underwriting which is determined directly from the carrier.

APPLYING - When is my effective date?
Each carrier assigns an effective date based on what you request or when your policy was activated - we do not have full control over effective dates and no coverage is in place until you have been approved and received such notification, including your ID number.

APPLYING - When will I be charged?
Ask your agent representative - usually charges are when you apply (just like if you were buying any other product), which will pay for the first month (if monthly).  Being charged is not an indication of policy approval - if you are declined you will receive a check or credit back less any application fees , if applicable.  Please note if you payment fails you will have no coverage and no application in process.

10 DAY FREE LOOK
We stand by every policy we sell and all policies have a 10 day FREE LOOK period if the policy you selected is not the right one for you - no problem we can help you find an alternative plan or you may cancel for a full refund, less any applicable application fees.  Please note the full refund period is 10 days from approval or when your policy arrives - you can not cancel months later for a full refund.  Please also note any claims paid will be due back to the carrier if canceling during free look period, and further claims will not be paid (because you canceled).  Please ask your insurance carrier for full details, we do not handle cancelation requests at our agency - please call your carrier directly.  Verbal cancelation requests can not be honored.