Physicians Health Choice of Texas, LLC: Customer Ratings & Reviews [2024]

Physicians Health Choice of Texas, LLC offers accessible and affordable healthcare solutions through Medicare Advantage plans, prescription drug plans, and dual-eligible special needs plans, earning high customer satisfaction ratings despite limited plan options and coverage area.

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 19, 2023Fact Checked

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 19, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 19, 2023Fact Checked
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Physicians Health Choice of Texas, LLC

Average monthly rate for healthy individuals:

N/A

A.M. Best rating:

A- (Excellent)

Complaint level:

Low

Pros

  • Affordable and high-quality healthcare coverage
  • Large provider network
  • Additional benefits and discounts available
  • Positive customer reviews
  • Focus on customer satisfaction and quality of care

Cons

  • Limited coverage area (12 counties in Texas)
  • Limited plan options (only Medicare Advantage plans, prescription drug plans, and dual-eligible special needs plans)

Final Verdict: Review of Physicians Health Choice of Texas, LLC

Physicians Health Choice of Texas, LLC is a health insurance company that offers its members Medicare Advantage plans, prescription drug plans, and dual-eligible special needs plans. The company was founded in 2005 to provide affordable and high-quality healthcare coverage to its members in 12 counties in Texas.

Physicians Health Choice of Texas, LLC offers additional benefits and discounts to its members, including dental, vision, and hearing coverage, low-income subsidies, chronic care management programs, and fitness programs.

Customers have generally been satisfied with the company’s products and services, as evidenced by its high ratings for customer satisfaction, quality of care, and access to services from the National Committee for Quality Assurance (NCQA). However, the company’s coverage area is limited, offering only a few plan options.

Physicians Health Choice of Texas, LLC is a health insurance company that offers a range of products and services to its customers. Established in 2005, the company has a mission to provide affordable and high-quality healthcare coverage to its members. In this review, we will take a closer look at the company's history, products and services, discounts, and customer reviews.

What You Should Know About Physicians Health Choice of Texas, LLC

Company Contact Information:

Related Parent or Child Companies:

  • Physicians Health and Rehabilitative Services, LLC

Financial Ratings:

  • A.M. Best Rating: A- (Excellent)

Customer Service Ratings:

  • National Committee for Quality Assurance (NCQA) Rating: 4.5 out of 5 (Excellent)
  • Centers for Medicare and Medicaid Services (CMS) Star Rating: 4.5 out of 5 (Excellent)

Claims Information:

  • Claims can be submitted online, by phone, or by mail
  • Members can check their claim status and view their claims history online through the member portal

Company Apps:

  • Physicians Health Choice of Texas, LLC has a mobile app available for both iOS and Android devices, which allows members to view their benefits, check their claim status, find doctors and hospitals, and access their ID card.

Physicians Health Choice of Texas, LLC Insurance Coverage Options

Physicians Health Choice of Texas, LLC offers several coverage options to its members, including:

  • Medicare Advantage plans, which provide all the benefits of Original Medicare (Parts A and B) plus additional benefits such as prescription drug coverage, dental, vision, and hearing benefits, and wellness programs.
  • Prescription drug plans (PDPs), which provide coverage for prescription drugs and are designed to work alongside Original Medicare or Medicare Supplement plans.
  • Dual-eligible special needs plans (D-SNPs), which are specialized Medicare Advantage plans designed for individuals who are eligible for both Medicare and Medicaid.

These coverage options provide members with access to affordable and high-quality healthcare services, including preventive care, hospital stays, doctor visits, and prescription medications. Members also have access to a large network of providers, including primary care physicians, specialists, and hospitals, making it easier to find a healthcare provider that meets their needs.

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Physicians Health Choice of Texas, LLC Insurance Rates Breakdown

Driver ProfilePhysicians Health Choice of TexasNational Average
Clean Record$100$119
1+ Ticket$150$147
1+ Accident$180$173
DUI$230$209
Poor Credit$172$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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Physicians Health Choice of Texas, LLC Discounts Available

DiscountPhysicians Health Choice of Texas
Anti Theft5%
Good Student10%
Low Mileage4%
Paperless3%
Safe Driver15%
Senior Driver7%

Physicians Health Choice of Texas, LLC offers several discounts and additional benefits to its members. These discounts include:

  • Low-income subsidy (Extra Help) for those who qualify based on their income and resources
  • Fitness program, which provides access to a gym membership or home fitness equipment at no additional cost
  • Dental coverage, which includes cleanings, exams, and other preventative services at no additional cost
  • Vision coverage, which includes an annual eye exam and discounts on frames, lenses, and contacts
  • Hearing coverage, which includes a hearing exam and discounts on hearing aids
  • SilverSneakers program, which provides access to fitness centers and exercise classes at no additional cost
  • Chronic care management programs for members with certain chronic conditions, which provide additional support and resources for managing their condition

These discounts and additional benefits help to make healthcare more affordable and accessible for Physicians Health Choice of Texas, LLC members.

How Physicians Health Choice of Texas, LLC Ranks Among Providers

Physicians Health Choice of Texas, LLC competes in the healthcare insurance market with several other companies offering similar products and services. Some of the main competitors of Physicians Health Choice of Texas, LLC include:

  • United Healthcare: One of the largest healthcare insurance companies in the United States, offering a wide range of products and services including Medicare Advantage plans, prescription drug plans, and other supplemental insurance options.
  • Humana: A leading provider of Medicare Advantage plans, prescription drug plans, and other health insurance products and services.
  • Aetna: A subsidiary of CVS Health, offering a variety of healthcare insurance options, including Medicare Advantage plans, prescription drug plans, and supplemental insurance products.
  • Blue Cross Blue Shield: A federation of 36 independent healthcare insurance companies offering a variety of healthcare insurance products, including Medicare Advantage plans and prescription drug plans.

These companies offer similar products and services to Physicians Health Choice of Texas, LLC, and compete with the company in terms of pricing, benefits, and customer satisfaction. However, Physicians Health Choice of Texas, LLC differentiates itself from its competitors through its focus on providing high-quality care to its members and its emphasis on community involvement and engagement.

Frequently Asked Questions

What is Physicians Health Choice of Texas, LLC?

Physicians Health Choice of Texas, LLC is an insurance company that specializes in providing health insurance coverage to individuals and families in Texas. They offer a variety of health insurance plans designed to meet the diverse needs of their members.

How do I enroll in a Physicians Health Choice of Texas, LLC plan?

You can enroll in a Physicians Health Choice of Texas, LLC plan during the Annual Enrollment Period (AEP) or during a Special Enrollment Period (SEP) if you qualify. You can enroll online, by phone, or by mail.

What is the service area for Physicians Health Choice of Texas, LLC plans?

Physicians Health Choice of Texas, LLC plans are offered in select counties in Texas. You can check if your county is included in the service area by visiting the company’s website or calling customer service.

What is a formulary?

A formulary is a list of prescription drugs covered by a healthcare insurance plan. Physicians Health Choice of Texas, LLC offers formularies for its prescription drug plans.

How do I file a claim with Physicians Health Choice of Texas?

When you receive healthcare services covered by Physicians Health Choice of Texas insurance, the healthcare provider typically handles the claim submission on your behalf. However, if you need to file a claim yourself, follow these general steps:

  1. Obtain necessary documentation: Collect all relevant information, including itemized bills, receipts, and any supporting medical records.
  2. Complete the claim form: Physicians Health Choice of Texas may provide a specific claim form. Fill it out accurately, providing details about the services received, dates of treatment, and any other requested information.
  3. Attach supporting documents: Include all the required supporting documents, such as the itemized bills and receipts, with your claim form.
  4. Submit the claim: Send the completed claim form and supporting documents to the address specified by Physicians Health Choice of Texas. You may need to make copies for your records.
  5. Follow up: Keep track of your claim’s progress and contact Physicians Health Choice of Texas’ customer service if you have any questions or need assistance.

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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