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The Texas Insurance Podcast

The Texas Insurance Podcast

De : Texas Department of Insurance
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 The Texas Insurance Podcast is a podcast about the state of insurance in our great state of Texas. We’ll be speaking with experts to pass information along to you about the things you need to know. Subscribe so you don’t miss out on this important information. https://www.tdi.texas.govTexas Department of Insurance
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    Épisodes
    • Check your health plan, you might find hidden benefits

      Check your health plan, you might find hidden benefits
      Jan 15 2026

      Find out about lesser-known benefits, learn where to get coverage details, and connect with trusted resources for more help.

      What are some health plan benefits people don’t know about?

      Some health plans offer wellness programs, gym membership discounts, smoking cessation programs, and certain diabetes equipment.

      Will my plan pay for online doctor’s visits?

      It’s common for health plans to offer coverage for online doctor appointments. This service is often called telemedicine or telehealth. It just means you can get health care in a place other than the doctor’s physical location, like through your computer or phone.

      Can I get free annual wellness checkups?

      Many health plans offer free annual screenings for prostate cancer, breast cancer, cervical cancer, and certain cardiovascular screenings if you have a family history of cardiovascular issues or certain artery problems.

      How do I find out what my health plan offers?

      Health plans must cover certain mandated benefits described in your coverage documents. Get answers about what your health plan covers by reading your policy and evidence of coverage documents. They explain what’s covered and what isn’t.

      If you still have questions, contact your health plan’s customer service or the insurance agent who helped you sign up.

      Who can help me with a surprise medical bill?

      Explore resources on TDI’s website - https://www.tdi.texas.gov/ - or call our Consumer Help Line at 800-252-3439. A representative can answer your questions and help you file a complaint, if needed. We answer calls from 8 a.m. to 5 p.m. Central time, Monday through Friday.

      00:00 Do you know everything your health plan offers?

      00:40 What services does your health plan have to offer?

      01:24 What other services does your health plan offer?

      02:23 What free services does your health plan offer?

      04:26 What extra services does your health plan offer?

      05:31 What kind of vaccinations does your health plan offer?

      06:09 How can you find out all the services your health plan offers?

      07:29 For more info on health insurance visit our website or call 800-252-3439
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      8 min
    • Is your car ready for winter weather?

      Is your car ready for winter weather?
      Dec 11 2025

      Learn what you can do to stay safe when you hit the road this winter with the Texas Department of Public Safety.

      What do people need to know about Texas roads in the winter?

      Even though the weather looks clear, when the temperature dips below freezing, bridges and overpasses can form black ice that you can't see.

      What is a big factor in winter driving accidents?

      Tires play a big role in how well your vehicle handles ice, snow, and rain. At your next oil change, have your mechanic check the tread depth on your tires and replace them if they’re worn out. Make sure your tires have the right air pressure.

      What's the most common issue on icy roads?

      Texas highways have some of the fastest speed limits in the nation at 70 to 80 mph. When it’s freezing and there's a danger of ice, slow down below the speed limit – maybe even 40 to 50 mph – just to be safe. Be aware of what's going on around you.

      In wintry conditions, how much following distance do you give the vehicle in front of you?

      Give yourself plenty of following distance. In clear weather, keep at least three to four car lengths between you and the car in front of you. In icy or snowy weather, you might triple that following distance.

      Any other tips for winter driving?

      Take your time if you have to go out. Clear any ice off the windshield, hood, and roof of your vehicle before leaving because these can become dangerous when you hit the road. Slow down, wear your seatbelt, and limit distractions inside the car.

      Tips for winter driving.

      00:00 Is your car ready for winter weather?

      00:36 What do people need to know about winter driving on Texas roads?

      01:09 What is a big factor in winter driving that leads to accidents?

      01:55 How much following distance do you give the vehicle in front of you when winter driving?

      02:14 Should you drive with snow and ice on your car?

      03:04 How do you prepare your car for winter driving?

      03:36 How can you get winter driving roadside assistance in Texas?

      04:52 How do you prepare your car tires for winter driving?

      06:13 How do you plan ahead for winter driving?

      For more info on auto insurance visit tdi.texas.gov or call 800-252-3439
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      7 min
    • How to find the right health plan

      How to find the right health plan
      Nov 6 2025
      Get answers to your biggest questions about shopping for a health plan. Where do most people get health insurance?Many people get health coverage through an employer, such as your job, your spouse's job, or a parent’s job (an option until you turn 26). Others buy it through HealthCare.gov, where you might qualify for an income-based tax credit to lower your premium. What should you look for when choosing a health plan? Compare the Summary of Benefits and Coverage for different plan options. This document gives you an apples-to-apples comparison of how much you pay for different types of care and what limits apply. Ask if a plan covers your doctors and medications. How do I know if a plan is affordable? The premium is the monthly cost you pay. It’s usually straightforward with an employer plan. If you're shopping for an individual plan on HealthCare.gov, have an estimate of your annual income ready because your premium tax credit depends on your income. Pay attention to out-of-pocket costs as these can vary widely. Take note of the plan's deductible and the copays for visiting the emergency room, a specialist, and a primary care physician. If there’s a deductible, how much is covered before I meet it? Any plan you buy on HealthCare.gov must cover preventive care before you reach your deductible. Preventive care services include annual checkups and school vaccines for your children. If your kids get sick, some plans will cover primary care for free or a copay or offer free virtual visits and telemedicine before you meet the deductible. If you’re considering a high-deductible plan, know what coverage you’ll get before you meet your deductible. This factor could be the difference between plans that have a similar monthly premium or a similar deductible. When is open enrollment? You can sign up for a new health plan on HealthCare.gov during open enrollment from November 1 to January 15. To get coverage that starts January 1, you must enroll by December 15. For health plans through your job, the enrollment period varies. Ask your company's human resources department for the dates. What red flags should I look for? Limited benefit health plans. These health plans might have a lower monthly premium, but they don’t provide major medical coverage. Limited plans aren’t part of HealthCare.gov and only cover certain services at specific coverage amounts. Pressure to buy now. No one should pressure you to buy a plan without giving you a chance to read the fine print. Examine the Summary of Benefits and Coverages before you buy anything so that you understand all the coverage and exclusions, their provider network, and the medications they cover. Upfront requests for personal information. Never share your phone number, credit card, or Social Security number unless you’re on a trusted site like HealthCare.gov or an official insurance company website. Be suspicious of unsolicited phone and email offers. Questions? Visit HealthCare.gov or call our Help Line at 800-252-3439.Use these tips to shop smart for health coverage.Health care coverage guide.How to apply and enroll.Alternative health plans.Know what kind of health insurance you’re buying.
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      12 min
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