Need Insurance in McAllen, TX?
Moving to a new city? Worried about maintaining your health and life insurance? Or are you just looking to compare rates with your current carrier? Whatever you need, we’ve got you covered.
More information on your destination:
If you’re moving to McAllen, Texas, it’s important to make sure your health and life insurance coverage remain in place. The insurance laws in McAllen may be different than where you’re living now, but don’t worry! Our insurance agents are some of the most experienced experts in the business, and we can help you reestablish any policy you may need.
If you already have insurance and you’re just looking for lower premiums, you can easily make changes to your insurance policy. If you do not have insurance, here are some important tips on various policies for residents of McAllen.
McAllen Health Insurance
If I move, what about my health insurance?
If you are in the process of relocating, it’s important to make sure that your health insurance coverage moves with you. Otherwise, you could find yourself uninsured and facing a lot of medical bills if something unexpected happens. Here are a few tips to help make the transition as smooth as possible.
Let Your health insurance provider know
The first thing to do is contact your health insurance company directly as soon as you know you are relocating. Let them know the dates of your move and ask what steps you need to take to ensure that your coverage moves with you. Some providers will be able to help you make sure your coverage stays in place, but depending on your carrier you might need a new policy after a move.
If you do end up needing a new policy, we can help. We specialize in health insurance, and we work with a large number of carriers so we can find you a great rate at a low price. To learn more, contact us and schedule a consultation – don’t worry, it’s free!
Update your health insurance card
As soon as possible, make sure your health insurance card is up to date and includes your new contact information and address. This is important because you may need to show it to doctors or hospitals in your new area. Additionally, if there’s an emergency and you or a family member is incapacitated, your doctor may need to contact your old provider.
Plan for your prescriptions
If you take any prescription drugs, make sure you have enough of them to last until you can get your new prescription filled. Alternatively, you may be able to speak to your existing health provider and ask if you can have a larger dose than normal just in case your new prescription card is delayed.
Keep your paperwork handy
It’s always smart to keep all your paperwork in one place so you can easily find it when you need it, but this is especially important when you make changes to your health insurance policy. You never know when you might need to provide your new information, so be sure to store your health insurance card, ID cards, and prescription information in one easy to remember place.
Don’t hesitate to ask questions
Your family’s health is your first priority, so don’t be shy about asking any questions you have until you get answers that satisfy you. This includes speaking with your old provider, with your new doctor, or with your new insurance agent, if you need one.
Relocating to McAllen is a big change, but with a little preparation you can make sure that your health insurance coverage moves with you. Follow these tips and you’ll be on your way to a smooth transition.
If you need help with anything during your move, our agents are standing by to help you. Whether you need a new policy or you just want to shop around for better rates, Insurance Advisors Agency can help. Contact us today to find out more.
McAllen Life Insurance
Life insurance is a common purchase for everyone, and is primarily used to provide financial support for your loved ones should you pass away.
Why do I need life insurance?
If you were gone tomorrow, would your wife, children, or parents be able to manage financially? Would they be able to keep the bills paid? Would they have to sell the house that you worked so hard on building together just because you’re not there anymore?
A life insurance policy gives peace of mind in knowing that if anything were to happen to you, your partner, children, or other family members will not have to worry about money. Your insurer would pay out a lump sum amount which could help your family overcome any financial hurdles. Life is unpredictable and you should prepare for the future, which means doing everything you can to protect the ones you love most.
What does life insurance cover?
In simple terms, life insurance covers the lives of people. This may be a good way to think about your own life insurance coverage. Instead of thinking about what you’re getting when you purchase a policy, it helps to think about all the things that would affect your family if you were no longer around.
Depending on which type of life insurance policy you have, it will help pay for specific life events and circumstances. These include:
– final expenses such as funeral costs and burial fees
– outstanding debt such as credit cards or a mortgage
– income replacement so your spouse can continue paying bills
What types of life insurance are available?
When life insurance is considered, one of the main questions that come to mind is “What type of life insurance do I need?” There are many types of policies available and it’s important to be well informed about the differences.
Life insurance may cover a wide range of needs; for instance: final expenses (burial costs or cremation fees), mortgages, children’s education plans, and disability plans.
The difference between each policy can be very small or large depending on what you are hoping to use them for. The most common ones are described below. Please note that there are also group policies that will have different coverage options than those mentioned here.
- Term Life Insurance: Term life insurance is the most basic form of life insurance and covers people for a specific period of time. It’s usually much cheaper than other kinds and does not cover anything except death. Payouts from term life insurance policies are typically tax-free since it only pays out upon the insured person’s death.
- Whole Life Insurance: Whole life insurance can be seen as permanent life insurance because instead of having a term period, the policy stays in effect up until the insured person’s death even after payments stop being made on it. The premiums stay level throughout this process making it a bit more expensive than term life insurance with the same coverage and length.
- Universal Life Insurance: Universal life policies, also known as flexible premium life insurance, allow people to choose how much they want to pay per month. Oftentimes, these premiums can fluctuate over time but it offers more flexibility compared to whole life insurance since policyholders don’t have to make a fixed payment each month.
- Variable Universal Life Insurance: This type of policy is similar to universal life insurance in some ways except that you can invest your monthly payments into different investment options. Since this allows policies to be customized even further, it usually comes at a steeper fee which means less money paid out on a claim compared to other types of life insurance.
- Permanent Life Insurance: Permanent life insurance is just like universal and variable universal policies except it is usually much more expensive and has a payout amount that can never decrease during the insured person’s life, even if premiums stop being paid.
- Term to 100: This type of coverage gets its name from the fact that it pays out in full if you die within a certain number of years, typically ten or 20. It covers death only, no other events. If you live past the term limit, your policy will usually be converted to another type of plan by your provider automatically.
- Convertible Life Insurance: A convertible life insurance policy is similar to a term to 100 plan with deductions for survivors, but offers options for converting into another type of life insurance plan. This usually happens if you outlive the term limit, at which point you may choose between converting it to a different kind of policy or simply canceling the coverage. To convert it, your policy will be canceled and rewritten under a new name.
Finding a life insurance policy in McAllen, Texas can be tricky, but assistance is available, and free of charge. Ask one of the helpful agents at Insurance Advisors Agency about a life insurance quote today!
Obamacare Assistance in McAllen
Moving can be fun, but making sure your health coverage is in place can be a headache. Here are some tips on how to make sure your Obamacare health insurance policy follows you to your new home, and a few resources you can use to make sure you keep your information up to date.
To start with, the following tool can help you identify whether or not you qualify for coverage in your new home. Click here for more information: https://www.healthcare.gov/screener/.
Update your information on the Marketplace
If you have an Obamacare health insurance policy, the next step is to make sure to update your information on the Marketplace website. Moving can change your eligibility for subsidies or create new eligibility requirements. Depending on where you move, you may also have to change plans or carriers.
Visit this link for information: https://www.healthcare.gov/marketplace-in-your-state/.
The trained agents at Insurance Advisors Agency are experts in Obamacare policies, and we can help you move your Obamacare plan to McAllen or help you find a brand new insurance plan at the lowest rates possible. Contact us to learn more.
Check your service area
Be aware that if you move outside of your plan’s service area, you may have to switch plans.
Your existing insurance company should be able to tell you what plans are available in your new area. You don’t want to be left without coverage, so you may need to do a bit of research to make sure you can find a plan that provides the same coverages you already have.
Notify your insurance company
Once you’ve made the final decision to move, it is important to notify your insurance company as soon as possible.
To ensure your coverage remains uninterrupted when you arrive, be prepared to give your insurance company specific information when you are leaving, how long you’ll be traveling, and your new address information in McAllen, Texas. If you are not sure about any of these details, then provide them with the most accurate prediction you can.
Medicaid subsidy information
Since you are moving to a state that has not yet expanded Medicaid under Obamacare, you may be ineligible for Medicaid coverage. However, you may still be eligible for subsidies to help purchase private health insurance. Be sure to research your options and apply for subsidies if you qualify.
No matter what your situation, it’s important to stay informed about Obamacare and your health insurance options. The best way to do this is by visiting healthcare.gov or your state’s health insurance exchange website. There you can find information about specific plans available in your area and how to apply. For more information, we are always available to help you retain your Obamacare coverage.
McAllen Medicare Insurance
If you’re moving to a new state, it’s important to know about your Medicare insurance options. Each state has its own rules and regulations for Medicare, so it’s important to make sure you’re up-to-date on the specific requirements of your new home.
If you’re looking for specific information about your Medicare coverage, the Social Security Administration’s website is located here: www.ssa.gov.
Also remember that help with your Medicare plan is only a click away. Our agents are experts in managing Medicare policies, and we are happy to help you our during your move. Contact us for more information.
When you’re ready to relocate, here are a few tips for ensuring that your Medicare coverage stays intact when you move:
Identify your Medicare plan.
Make sure you know what type of Medicare plan you have. There are several types of Medicare plans, and each one has its own set of rules and regulations. If you’re not sure what type of plan you have, contact your insurance company or the Social Security Administration.
Keep your information handy
Keep track of your policy numbers and ID cards. It’s important to keep your policy numbers and ID cards in a safe place, in case you need to access them while you’re moving.
Let your insurance provider know where you are
Contact your insurance company when you move. Let your insurance company know when and where you’re moving, so they can update their records. This will help ensure that your coverage is intact when you arrive in your new home.
Keep the SSA informed
Make sure your new address is up-to-date with the Social Security Administration. The SSA keeps track of all Medicare beneficiaries, and they need to have your current address on file. If they don’t have your current address, you may not be able to receive proper medical coverage. Here’s the link again to their website: www.ssa.gov.
Get to know your new state
familiarize yourself with the Medicare rules and regulations in your new state. Each state has its own set of rules and regulations for Medicare. Make sure you’re familiar with them before you move, so you don’t run into any surprises.
By following these tips, you can make the transition to a new state as smooth as possible for your Medicare coverage. And remember, Insurance Advisors Agency is always here to help, free of charge. Contact us anytime.
McAllen Workplace Benefits
If you are moving to a new location, it is important to consider the workplace benefits and supplements that will be available to you when you arrive. Even if your new career is uncertain, doing a bit of research and planning now can make your life easier later.
In addition to a salary, many jobs give you the option of receiving health insurance, retirement contributions, and a host of other benefits.
As you settle in to your new home, here are some tips for getting the most out of your workplace benefits:
Make sure you are familiar with the plan documents
Each workplace benefit plan is different, and it is important to know what is covered under your policy. Review the plan documents thoroughly so that you understand your rights and responsibilities.
Keep track of your expenses
If you are using your health insurance or retirement funds to pay for medical expenses or other costs, make sure to keep track of these expenses. You may be able to deduct them from your taxes.
Take advantage of wellness programs
Many workplaces now offer wellness programs, which can include things like discounted gym memberships or health screenings. Take advantage of these programs to stay healthy and save money.
Ask for help when you need it
If you have questions about your benefits or how to use them, don’t hesitate to ask your employer or benefits provider. They should be happy to help you get the most out of your benefits.
Keep track of changes to your benefits plan and any new offerings that may be available. This will help you make the most of your workplace benefits.
If you’re looking for a way to add coverage to your existing workplace benefits, our agency specializes in workplace benefits supplemental policies. We can help you increase your coverage options, lower your premiums, or both, depending on your needs and qualifications.
Insurance Advisors Agency is standing by to assist you, so don’t wait – reach out to us today and let us know what you need.
Top 5 things most people don’t know about McAllen, Texas
- McAllen is located in Hidalgo County, Texas, in the Rio Grande Valley, and close to the Mexico border.
- McAllen represents the northern half of the binational Reynosa–McAllen metropolitan area, also known as the Borderplex, one of the six international conurbations along the U.S-Mexico border, and home to a total of over 1.5 million people.
- When initially settled in 1904, McAllen was mostly agricultural. With the passage of NAFTA and the introduction of a maquiladora economy, cross-border trading has caused the region to quickly modernize and explode in size.
- McAllen was the site of President Trump controversial border visit in 2019.
- Despite it’s growing size and urbanization, McAllen is consistently ranked one of the safest cities in Texas.
Get to Know the McAllen Neighborhood
- In central downtown McAllen, the McAllen Heritage Center showcases a series of exhibits on local history as well as works from local artists.
- At the north end of downtown McAllen, the International Museum of Art & Science offers hands-on science and educational exhibits.
- In southeastern McAllen, Quinta Mazatlan is a multicultural urban nature sanctuary dedicated to sharing knowledge about flora, fauna, and environmental stewardship.
- At the northern tip of McAllen, the McAllen Youth Baseball Complex features 16 full sized baseball diamonds organized for both youth and adult play, as well as concessions, restrooms, and outdoor amenities.