Why Unicare?

We represent all the reputable health insurance companies in Texas.  We strongly beleive that the first company you should consider is Unicare.  The reason for this is:

1. Unicare has consistently been the most competitive company for individual and family health insurance based on price and service in Texas since 1996.  The other companies are looking at Unicare and trying to copy them.
   
2. The application process with Unicare is the easiest and fastest in the industry.
   
3. The level of service after the sale is superior by Unicare.  We want to help you with problems or questions, and if Unicare was not the best in this aspect we would be hesitant to offer this service.  With some of the other companies it has been a nightmare.
   
4. Unicare is the only company NOT Blocking Business!

How does "Blocking Business" hurt You?

Most companies do something called Blocking Business.  You will not find this in easily understandable terms anywhere in their contracts.  What this means is that they put all customers into time blocks depending on when they applied and raise the rates for each block separately.  This does not sound so bad but the implications for the customers are detrimental.  These companies will always charge less for new customers than for existing customers.  The reason for this is that as soon as the block you are in start experiencing medical costs, the few people in the same block has to pay for it, so the rates go up for this block.  The ones without medical conditions will start shopping around for better rates with other companies and will leave.  So in the end you have a block of customers with medical conditions that can be very costly and the rates will spiral out of control.  The problem is that these people can't get insurance somewhere else and are left to their own.

Unicare is the only company not blocking business.  They will charge everyone the same regardless if you are a new customer or an existing one.  With Unicare you have the peace of mind that if something happens to your health you will still be able to afford the premium.  

One of the largest and probably the most well known insurance company in Texas just came out with new plans with lower rates.  If you are an existing customer with them they will let you change plans but only after you fill out a new application, pay a new application fee and qualifies medically.  What this will result in is that all the healthy individuals will move over to the new plans while the ones with medical conditions can't go anywhere.  This will result in skyrocketing premiums for those left on the plan.  Imagine if you bought insurance so it could cover you if something happened to you and after it happens to you the rates for that insurance goes through the roof making you unable to pay the premium and the medical bills that will pile up.  The basic reason for insurance in the first place is to cover you if something happens to you.  This should be illegal but unfortunately it is only an unethical way of trying to stay competitive with new customers.