Health insurance in DFW, explained.

Plan types

• PPO — Widest network flexibility, higher premiums.
• HMO — Lower cost, requires in-network primary care.
• EPO — In-network only, no referrals required.
• Medicare Advantage — Bundled Part A/B with extras.

Public programs in Texas

Medicaid and CHIP serve eligible children, pregnant Texans, and low-income adults. Medicare is federal coverage for adults 65+ and those with qualifying disabilities.

Questions to ask a provider

• Are you in-network for my specific plan and group number?
• What is my expected out-of-pocket cost for this visit?
• Do you offer sliding-scale or cash-pay pricing?
• Can billing be submitted with my secondary insurance?

Need help?

The Texas Department of Insurance offers a free consumer helpline at 1-800-252-3439. You can also filter providers on DFW Health Hub by insurance accepted.