News

Coronavirus (COVID-19) FAQs

Coronavirus (COVID-19) FAQs

Governor Abbott and the Texas Department of Insurance (TDI) have asked health insurers to waive certain costs and requirements relating to testing and treatment for COVID-19. The following health insurers and health maintenance organizations are currently waiving...

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What is Roadside Assistance?

What is Roadside Assistance?

Roadside assistance helps you when your vehicle breaks down. Some companies automatically include this coverage, but it is often an optional coverage that can be added to your auto policy. It is important to understand what roadside assistance coverage you have and...

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Understanding PIP vs Med-Pay

Understanding PIP vs Med-Pay

Personal Injury Protection (PIP) and Medical Payments (Med-Pay) are auto coverages that pay regardless of who is at fault in an accident. While these coverages have some things in common, they are different. Here are some of the key differences:Personal Injury...

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What is Surplus Lines Insurance?

What is Surplus Lines Insurance?

Most property and casualty insurance policies in Texas are sold by insurance companies licensed by the Texas Department of Insurance (TDI). These companies make up what is called the “authorized” or “admitted” market. TDI reviews most of the rates and policies that...

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What You Need to Know About Medical Codes

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 billing works and can affect what you pay and what is covered under your...

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Avoiding a Car Crash

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). Besides the threat to your safety, causing or being in a car accident can...

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Know Your Coverage: Air Ambulances

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 medical equipment, paramedics, and emergency medical technicians. An...

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5 Ways to Lower Your Auto Insurance Costs

5 Ways to Lower Your Auto Insurance Costs

1. Shop Around Prices can vary, so it often pays to shop around. Check out our Policy Comparison Tool and HelpInsure.com to compare coverages and sample rates. Remember to never shop for an insurance policy on price alone!   2. Higher Deductibles A deductible is...

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What You Need to Know About Preauthorization

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. Timelines for PreauthorizationWhen a health plan gets a request from a...

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What is a Dec Page?

What is a Dec Page?

A declarations page, often called a “dec page,” can be found in the front of your policy. The dec page summarizes your policy and coverages, limits and deductibles, and the dates your policy is effective. Auto insurance dec pages also list the insured vehicles and...

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OPIC’s 2018 Achievements

OPIC’s 2018 Achievements

We’ve been working hard for consumers this year. Here are just some of our biggest 2018 achievements:   Reviewed, analyzed, and intervened in approximately 1,500 rate, rule, and form filings. Advocated for lower auto and homeowners insurance rates and fees,...

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Buyer Beware: Not All Auto Policies Are the Same

Buyer Beware: Not All Auto Policies Are the Same

Be sure you know who and what is covered under any insurance policy you consider buying. Not all auto policies are the same. Since insurance policies can be very different, it is important to read all of your policy and ask questions to make sure you get the coverage...

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Health Insurance Works Differently in Emergencies!

Health Insurance Works Differently in Emergencies!

Emergency care can vary in price and services depending on where you go. You can save time and money and get the care you need if you know: the differences between emergency room (ER) facilities and urgent care centers, and how to get info about your insurance...

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