Insurance in Austin
Data source: US Census year 2000
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Uninsured in Hays County
Austin is in Hays County.
Two out of ten people in Hays County (15.3%) lack health insurance. In the state of Texas, 19% are without.
Among the population under 18 years in Hays County, 16.1% are uninsured, while the figure for Texas is 19.9%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Austin
Cities are generally less safe to live in than small towns. Violent crime in Austin is 7.7% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Austin is 73.9% higher than nationally.
There are 6799 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Austin (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 88% of Austin residents drove to work, and 4% used public transport. 3% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Austin, Texas Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Austin, Texas
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Abney Jim E Ins
(512) 454-5266300 E Highland Mall Blvd
Austin, Texas 78752-3746 -
Adams Gerald
(512) 451-20936000 N Lamar Blvd Ste 205
Austin, Texas 78752-4421 -
Affordable Dental Plans
(512) 444-5523
Austin, Texas 78744 -
Affordable Health and Life
(512) 707-11801207 Hollow Creek Dr Apt 4
Austin, Texas 78701-1993 -
Akin Group the
(512) 250-8442
Austin, Texas 78729 -
All Save Auto Insurance
(512) 835-209711800 N. Lamar Ste. 5-A
Austin, Texas 78753-2147 -
America Group the
(512) 343-22774601 Spicewood Springs Rd
Austin, Texas 78759-8598 -
Anderson, Charles G - State Farm Insurance Agent
(512) 258-223112636 Research Blvd Ste B-103
Austin, Texas 78759-2205 -
Anderson, William D - State Farm Insurance Agent
(512) 346-08849508 Jollyville Road
Austin, Texas 78759-6598 -
Baird, Daniel K - State Farm Insurance Agent
(512) 345-617112207 Waters Park Road
Austin, Texas 78759-8837 -
Benefits Design Inc
(512) 345-303011130 Jollyville Rd Ste 400
Austin, Texas 78759-4800 -
Bennie E Council Ins Agcy Inc - State Farm Insurance Agent
(512) 454-45246448 Hwy 290 East Suite F-110
Austin, Texas 78723-1077 -
Bill Russel Insurance Agency
(512) 343-11069130 Jollyville Road Suite 274
Austin, Texas 78766-7474 -
Blackwood Glenn O
(512) 258-91019801 Anderson Mill Suite 120
Austin, Texas 78750-2223 -
Breckinridge Insurance Group
(512) 445-42224411 Pack Saddle Pass
Austin, Texas 78745-1623 -
Britain, Nancy - State Farm Insurance Agent
(512) 288-24917500 Highway 71 West Suite 102
Austin, Texas 78735-8242 -
Buchanan John Y Cpcu
(512) 343-11069015 Mountain Ridge Dr
Austin, Texas 78759-7370 -
Buse William Insurance Services
(512) 454-34641200 W 39th St
Austin, Texas 78756-3922 -
Callahan, Nancy J - State Farm Insurance Agent
(512) 451-75733500 Jefferson Suite 313
Austin, Texas 78731-6223 -
Centene Corp
(512) 482-9599823 Congress Ave
Austin, Texas 78701-2405 -
Central Texas Health Insurance
(512) 418-88997000 N Mopac-2nd Floor
Austin, Texas 78750 -
Clay, Richard L - State Farm Insurance Agent
(512) 328-23403006 Bee Caves Rd Suite B-170
Austin, Texas 78746-5540 -
Cohalla, Richard A - State Farm Insurance Agent
(512) 837-42109411 Parkfield Dr Suite 100
Austin, Texas 78758-6253 -
Coker, James D - State Farm Insurance Agent
(512) 258-419313276 Research Blvd Suite 202
Austin, Texas 78750-3238 -
Crone, William K - State Farm Insurance Agent
(512) 448-17662028 E Ben White Suite 228
Austin, Texas 78741-6931 -
Davis, Timothy - State Farm Insurance Agent
(512) 282-43128213 Brodie Lane Suite 105
Austin, Texas 78745-7467 -
Delrie Alycen Insurance Agency
(512) 329-88851301 S Capital Of Texas Hwy
Austin, Texas 78746-6574 -
Diversified Insurance Brokerage Services
(512) 451-65526000 N Lamar Blvd Ste 205
Austin, Texas 78752-4421 -
Easterling, Karen G - State Farm Insurance Agent
(512) 454-47842711 W Anderson Lane Suite 201
Austin, Texas 78757-1121 -
Eaton, Carmina A - State Farm Insurance Agent
(512) 244-66414201 W Parmer Lane Bldg B
Austin, Texas 78727-4109 -
Etzler, Dennis L - State Farm Insurance Agent
(512) 892-66296340 Highway 290 West Ste 102
Austin, Texas 78735-8506 -
Evins, Larry W - State Farm Insurance Agent
(512) 327-03032707 Walsh Tarlton
Austin, Texas 78746-8016 -
Featherstone, Darren - State Farm Insurance Agent
(512) 836-979310205 North Lamar Suite 108
Austin, Texas 78753-3658 -
First Texas Health Coalition
(512) 447-98534515 Manchaca Rd Ste 100
Austin, Texas 78745-1645 -
Firstcare
(512) 257-600012940 N Highway 183
Austin, Texas 78750-3203 -
Foundation Health A Texas Health Plan Inc
(512) 873-61009101 Burnet Rd
Austin, Texas 73301-0001 -
Fritsch, Richard F - State Farm Insurance Agent
(512) 835-79052006 W Parmer Lane Suite A
Austin, Texas 78727-4443 -
Garrett-Abney Weeren
(512) 454-5266300 E Highland Mall Blvd Ste 208
Austin, Texas 78752-3734 -
Glasco Jr, Richard A - State Farm Insurance Agent
(512) 250-553312701 Research Blvd Suite 305
Austin, Texas 78759-4325 -
Goosby, Browder J - State Farm Insurance Agent
(512) 928-88891144 Airport Blvd Suite 230
Austin, Texas 78702-3161 -
Goss, Linda K - State Farm Insurance Agent
(512) 345-48019222 W Parmer Ln
Austin, Texas 78717-8661 -
Gray Tracie A
(512) 263-556512400 Hwy 71 W Suite 505
Austin, Texas 78738-6505 -
Green Jeff Health Ins Agt
(512) 418-8899
Austin, Texas 78701 -
Hearn, David M - State Farm Insurance Agent
(512) 452-92936023 N IH 35
Austin, Texas 78723-1000 -
Hearne, Bridgette R - State Farm Insurance Agent
(512) 441-37043008 Slaughter Ln W Ste A
Austin, Texas 78748-5704 -
Heaton III, Theodore H - State Farm Insurance Agent
(512) 343-87743933 Steck Avenue Suite B-111
Austin, Texas 78759-8648 -
Howard Jr, E Dale - State Farm Insurance Agent
(512) 339-72228101 Cameron Rd Ste 102
Austin, Texas 78754-3816 -
Hurt, Elizabeth A - State Farm Insurance Agent
(512) 263-56851205 Ranch Rd 620 South
Austin, Texas 78734-6311 -
Ideal Sports & Physical Therapy
(512) 306-10035000 Bee Cave Rd
Austin, Texas 78746-5266 -
Ingels, Kirk E - State Farm Insurance Agent
(512) 328-77883701 Bee Caves Road Suite 201
Austin, Texas 78746-5365 -
Insurance Services Group
(512) 453-25256521 Burnet Ln Ste 101
Austin, Texas 78757-2848 -
Insurors of Texas
(512) 349-09518310 N Capital Of Texas Hwy Ste 165
Austin, Texas 78731-1079 -
Jane McQuiggin-Hutson Ins Agcy State Farm Insurance Agent
(512) 973-85012307 W Parmer Lane
Austin, Texas 78727-4333 -
Jennings, Robert C - State Farm Insurance Agent
(512) 444-96714405 Pack Saddle
Austin, Texas 78745-1623 -
Jerry Sears Insurance Agcy Inc State Farm Insurance Agent
(512) 892-55423601 W William Cannon Ste 100
Austin, Texas 78749-1525 -
Johnson Harris L & Associates
(512) 452-95555766 Balcones Dr Ste 204
Austin, Texas 78731-4201 -
Johnson, George E - State Farm Insurance Agent
(512) 454-45368405 Burnet Road
Austin, Texas 78757-7001 -
Johnson, Karen B - State Farm Insurance Agent
(512) 335-00517301 Ranch Road 620 N
Austin, Texas 78726-4537 -
Johnson, William V - State Farm Insurance Agent
(512) 263-84853700 Ranch Road 620 South
Austin, Texas 78738 -
Karen A Hall Insurance Agency - State Farm Insurance Agent
(512) 327-62007004 Bee Cave Rd
Austin, Texas 78746-5004 -
Kirk, John R - State Farm Insurance Agent
(512) 343-775810931 Jollyville Rd
Austin, Texas 78759-4806 -
LaBorde, Lee Ann - State Farm Insurance Agent
(512) 443-82921701 South Lamar Blvd
Austin, Texas 78704-3325 -
Lee Cramer Insurance Agcy Inc - State Farm Insurance Agent
(512) 251-34732013 Wells Branch Suite 107
Austin, Texas 78728-6903 -
Lifeperks Benefits Network
(512) 347-98211250 S Capital Of Texas Hwy
Austin, Texas 78746-6464 -
Martinek John P
(512) 335-999212233 Ranch Road 620 North
Austin, Texas 78750-1068 -
Mental Health Network
(512) 347-79009606 N Mo Pac Expy
Austin, Texas 78759-5932 -
Minnick, Malcolm R - State Farm Insurance Agent
(512) 345-17003409 Executive Center Drive
Austin, Texas 78731-1619 -
Minton, James R - State Farm Insurance Agent
(512) 837-881811104-C N Lamar
Austin, Texas 78753-3047 -
Mitchell, Daryl - State Farm Insurance Agent
(512) 835-72111000 R Payton Gin Road
Austin, Texas 78758-6766 -
MLee Insurance
(512) 428-98274403 Manchaca Rd, Suite D
Austin, Texas 78745-1646 -
Moore, Billy M - State Farm Insurance Agent
(512) 833-09448401 Research Suite B
Austin, Texas 78758-8349 -
Nors Insurance
(512) 301-58887401 Old Bee Caves Rd
Austin, Texas 78735-8234 -
Osler, Mari Lynn - State Farm Insurance Agent
(512) 327-42981114 Lost Creek Suite G-30
Austin, Texas 78746-6370 -
Pearson, Gregory N - State Farm Insurance Agent
(512) 451-01888705 Shoal Creek Suite 102
Austin, Texas 78757-6839 -
Perry, Danny L - State Farm Insurance Agent
(512) 258-583413441-A Ranch Road 620 N
Austin, Texas 78729 -
Peterson, John D - State Farm Insurance Agent
(512) 331-000912962 Research Blvd
Austin, Texas 78750-3240 -
Renfro, Gary M - State Farm Insurance Agent
(512) 326-31004029 S Capital of Texas Hwy
Austin, Texas 78704-7920 -
Richard Binder Insurance Inc - State Farm Insurance Agent
(512) 441-10821210 South Congress
Austin, Texas 78704-2422 -
Richard Watson Ins Agcy Inc - State Farm Insurance Agent
(512) 462-25791301 W Ben White, Ste 100
Austin, Texas 78704-3966 -
Roark Ray Cic
(512) 335-353512871 N Highway 183
Austin, Texas 78750-3248 -
Rogers, Richard C - State Farm Insurance Agent
(512) 454-86235511 Balcones Drive
Austin, Texas 78731-4907 -
Ruebsahm, John B - State Farm Insurance Agent
(512) 444-18451901 W William Cannon Ste 131
Austin, Texas 78745-5322 -
Schara, David J - State Farm Insurance Agent
(512) 837-795110620 Burnet Road
Austin, Texas 78758-4432 -
Selby, Larry J - State Farm Insurance Agent
(512) 331-000412962 Research Blvd
Austin, Texas 78750-3240 -
Shanahan, Gary L - State Farm Insurance Agent
(512) 458-25931408-B W Koenig Lane
Austin, Texas 78756-1414 -
Smith Harrison P Ins
(512) 795-0270
Austin, Texas 78701 -
Smith, Owen M - State Farm Insurance Agent
(512) 266-8572107 Ranch Rd 620 South Ste 114
Austin, Texas 78734-3942 -
State Farm Insurance Companies Easterling Karen
(512) 454-47842711 W Anderson Ln Ste 201
Austin, Texas 78757-1121 -
Steve M Lucca Ins Agency Inc - State Farm Insurance Agent
(512) 282-802011525 Manchaca Rd Ste 104
Austin, Texas 78748-2725 -
Stover, Charles W - State Farm Insurance Agent
(512) 258-912213812 Research Blvd Suite B-3
Austin, Texas 78750-1203 -
Superior Health Plan
(512) 692-14652100 S I H 35
Austin, Texas 78704-4406 -
T D Combs Insurance Agency Inc State Farm Insurance Agent
(512) 892-12004404 W William Cannon
Austin, Texas 78749-1423 -
Tabor Insurance Company
(512) 249-8041
Austin, Texas 78729 -
Texas Health Benefits Lp
(512) 266-8322
Austin, Texas 78732 -
Texas Life Accident Health and L Srvce Insrnce Grn
(512) 476-51016504 Bridge Point Pkwy
Austin, Texas 78730-5017 -
The Health Company
(512) 794-9877
Austin, Texas 78701 -
Thompson, Robert S - State Farm Insurance Agent
(512) 892-35275446 Hwy 290 West Suite 104
Austin, Texas 78735-8820 -
United Healthcare of Texas Inc
(512) 347-26001250 S Capital Of Texas Hwy
Austin, Texas 73301-0001 -
USA Managed Care Organization Inc
(512) 306-0201916 S Capital Of Texas Hwy
Austin, Texas 78746-5265 -
Vinklarek, Steven - State Farm Insurance Agent
(512) 452-02143700 N IH 35
Austin, Texas 78705-1802 -
Watkins Ins Group
(800) 460-5510PO Box 9369
Austin, Texas 78766 -
Wehman, James E - State Farm Insurance Agent
(512) 444-25186540 S Congress
Austin, Texas 78745-4464 -
Windisman, Ella J - State Farm Insurance Agent
(512) 892-15875400 Brodie Ln Suite 1220
Austin, Texas 78745-2527 -
Wolf, Ray - State Farm Insurance Agent
(512) 442-6769719 West William Cannon
Austin, Texas 78745-3981
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Austin Facts
Data source: US Census year 2000
Population
Population in Austin is 717,100.
59% of Austin residents are White, 24% are of some other race, 9% are African-American, 6% are Asian, and 2% are a mix of two or more races.
Economy
The median income in Austin is $29,278 for men, and $24,673 for women.
Compared to the typical person in the state of Texas, a resident of Austin makes 7.7% more. The trend for Texas is that the median income is increasing. (2006)
50,678 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Austin was increasing compared to the year before.
The typical home is worth $173,000. 25% of Austin homeowners own their home outright, paying typically $517 per month in owner costs. Among those with a mortgage (75% of homeowners), the median monthly owner cost is $1,535. (2006)
Housing
There are a total of 324,528 homes in Austin. Of these, 2,477 were for sale, and 14,732 homes were available to rent in 2006. 138,851 (47%) were owner-occupied, and 155,005 (53%) were occupied by renters. (2006)
Age
The median age for men in Austin is 30, and in Texas the average man lives to be 74. The median age for women in Austin is 31, and women in Texas live to be 79, on average. (2006)
Education
The education level in Austin is high compared to the national average.
Among men over 25, 47% has a college degree, and 16% has some college. Out of the men that didn't study in college, 53% graduated from High School, and 47% dropped out.
Among women over 25, 47% has a college degree, and 19% has some college. Out of the women that didn't study in college, 55% graduated from High School, and 45% dropped out. (2006)
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