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Texas health insurance
Having a health insurance plan is essential for everybody. It takes care of your health needs in case you fall sick and also prevents financial losses in case you have to bear costs for a serious illness. If you are a resident of Texas and are looking for a health insurance plan, we have all the information you need. Get information on health insurance options from private carriers and also government sponsored health insurance plans.
Individual health insurance in Texas
If you are looking for an individual health insurance policy for either yourself or your family, expect to pay more. It is a well known fact that individual health insurance plans cost more than group ones. The logic is simple. When you participate in a group health insurance plan, a portion of the costs are borne by your employer. This is not so in an individual health insurance plan.
When you are going for these plans, make sure you know the costs that you have to pay for them. These include not only your premiums but out of pocket costs like copayments, co insurance and deductibles. Based on all these costs, the network service providers and the benefits available, you can chose between HMO, PPO and POS type of plans.
As an individual residing in Texas, you will be subject to the process of underwriting. This means that the insurance carrier may refuse your applications for insurance because of your health status and other factors. They may also provide an exclusionary rider to your covers.
Group health insurance in Texas
Group health insurance is the health insurance you get through your employer, an association or a professional group. However, as in individual health insurance, medical underwriting is allowed here. This means that the carrier may impose a 6 month look back and an exclusionary period of 12 months on you based on your health status. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Texas. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family. A mini COBRA coverage is also provided to groups having less than 20 employees.
Texas Medicaid plans
Medicaid plans are also offered in the state of Texas. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Texas also offers the children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Texas Health Insurance Carriers
Our service is the best way for you to secure the most suitable Texas health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Texas Health Insurance
Our process is extremely convenient. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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