Home   Services   Partners   Contact       We are a small, local, family-oriented Texas health insurance brokerage firm that prides ourselves on honest, excellent, friendly service. Our specialty is providing you with the resources needed to manage your insurance plans. We represent brand-name highly-rated insurance companies. There are no extra fees for our services because we are compensated by the Group Health Insurance companies we represent. TX Group Specialist is an independent Insurance Brokerage firm, with over 20 years combined experience representing a carefully selected group of financially sound, reputable Insurance Companies. We will search the insurance marketplace for you and recommend the companies offering the best coverage at a competitive prices for your business. We do not sell on price but on Benefits. As professional insurance agents offer honest, thorough information, helping you make the most informed decisions on protecting your business. Tx Group Specialist does not work for an Insurance Company... we work for you. We will personally assist you with any claims or service issues you may have. You will be dealing with us directly. TX Group Specialist specializes in working with the Owners of Small Businesses, Associations and Organizations. Our professional attitude and dedication to serving our clients best interests make us your first choice in group coverage. Preferred Provider Organizations (PPOs) are one step over the managed care border. PPOs have made arrangements for lower fees with a network of health care providers. PPOs give their policyholders a financial incentive to stay within that network. With a PPO, you can refer yourself to a specialist without getting approval and, as long as it's an in-network provider, enjoy the same co-pay. Staying within the network means less money coming out of your pocket and less paperwork. Preventive care services may not be covered under a PPO. Health Maintenance Organizations (HMOs) are the least expensive, but also least flexible type of health plan. They also tend to be geared more toward members of group plans than individuals. In exchange for a low co-payment (or sometimes no co-pay at all), low premiums and minimal paperwork, an HMO requires that you only see its doctors, and that you get a referral from your primary care physician before you see a specialist. If you can still pick up the phone, you'll probably need to get clearance before you can visit the emergency room. Point-of-Service (POS) are similar to PPOs, but they introduce the gatekeeper, or Primary Care Physician. You'll need to choose your PCP from among the plan's network of doctors. As with the PPO, you can choose to go out of network and still get some kind of coverage. In order to get a referral to a specialist, though, you usually must go through your PCP. You can still choose to refer yourself, but it'll mean more hassles and more money coming out of your pocket. There are so many companies that underwrite group health insurance. Choosing between them is a complex decision. We can lay out the process and the choices in detail, but to do so really requires a conversation with an experienced agent who knows the market. We make sure you fully understand the differences of the plans so that you can make the best decision for your company in a quick and efficient manner. We also thoroughly assist you in the enrollment process to conserve your valuable time and follow-up with employee education. If you need additional services, such as cafeteria plan administration or payroll administration, we can assist you in these areas as well and make sure your benefits package works properly with these services.