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Avoid Contractor Fraud After a Disaster

After a tornado or storm, you may need to hire a contractor to fix damage to your home. It’s important to be aware of common contracting scams that occur after disasters, and how to go about the...

OPIC Staff Shop Their Policies

OPIC always encourages consumers to shop around for insurance, so we took our own advice and did the same. OPIC staff recently shopped for our own policies to see if we could get a better deal on...

What You Need to Know About Medical Codes

What Are Medical Codes? Medical codes are the way doctors and other healthcare professionals describe medical diagnoses and treatments. These codes are important for understanding how medical...

Avoiding a Car Crash

Each year over 6.5 million car accidents happen in the United States. These crashes result in 2.75 million injuries and 34,000 deaths every year (National Highway Traffic Safety Administration)....

Know Your Coverage: Air Ambulances

What is an air ambulance? Air ambulances are medical transport aircraft such as helicopters or airplanes that take patients to medical facilities. Like regular ground ambulances, air ambulances have...

Insurance Consumer Protections from the 2019 Legislative Session

The 86th Texas Legislative Session concluded on May 27, 2019. Several bills passed that positively impact Texas insurance consumers. Below are summaries highlighting some of the consumer protection...

Are You Prepared for Hurricane Season?

Hurricane season lasts from June until November. Hurricanes can’t be prevented, but there are steps you can take to protect yourself, your family, and your belongings from damage.   Before a...

Getting Married? 5 Insurance Tips for Newlyweds and Engaged Couples

If you’re engaged or newly married, the last thing on your mind is reviewing your insurance needs or updating your policies. However, before tying the knot, it’s important to sit down and discuss...

What You Need to Know About Preauthorization

What is Preauthorization? Health plans may require your doctor to get approval before they will pay for certain medical treatments. This process of advance approval is called preauthorization....

Are You Prepared for Tornado Season?

Tornado season is upon us. According to the National Oceanic and Atmospheric Administration (NOAA), Texas had 61 tornado events last year that affected 46 counties and equaled approximately $5...

Highlights and News

OPIC Provides Comments on TWIA Rate Recommendation

OPIC sent comments to TWIA regarding their 5% rate increase recommendation made on November 19, 2019. OPIC asks TWIA Board to delay rate vote pending additional information regarding the hurricane modelers.

OPIC’s Letter to TWIA

OPIC Creates Claims Handling Information Pages

Suffering damage or loss to your home or auto can be stressful. Filing a claim doesn’t have to be. OPIC created pages dedicated to residential property claimsfirst-party auto claims and third-party auto claims. These pages include tips on filing a claim, what to expect during the claims handling process, and what to do if there is a problem with your claim.

OPIC Provides Comments on TWIA Rate Analysis

OPIC sent comments to TWIA regarding their rate adequacy analysis on July 31, 2019. We expressed concerns with the methodologies and assumptions used, and that TWIA’s overall rate indication is inflated.

TWIA Rate Adequacy Analysis Letter

2018-2019 Guide to Texas HMO Quality Report Released

OPIC published the 2018-2019 edition of our Guide to Texas HMO Quality report. You can download and print a copy or request a copy to be mailed to you.

Now Accepting Applications for TAIPA Alternate Public Member

OPIC is seeking applicants to serve as an alternate public member for the Texas Automobile Insurance Plan Association (TAIPA). TAIPA provides auto insurance to qualifying Texans in order to help them comply with the requirements of the Texas Motor Vehicle Safety Responsibility Act. The deadline to apply is 5:00 p.m. on Monday, December 16, 2019.

For more information and to apply, visit our TAIPA Application page.