Individual Health Insurance in Texas (TX)
The Lone Star State is home to almost 23 million Americans with another 381,200 born into the family each year. Unfortunately, at 24 percent, Texas has one of the highest rates of uninsured persons in the country. The good news is that with the wide range of plans available, it should be possible for every Texan can find the health insurance plan to suit their needs and budget.
Texas Health Statistics
In Texas, 18 percent of the mothers-to-be do not get the prenatal care they need to ensure a healthy pregnancy. This results in more than 30,600 low birth weight babies, 8 percent of all newborns. Another 14 percent are born preterm. Seventeen percent of those under the age of 3 don't receive the immunizations that are recommended for all toddlers by the American Medical Association, 19 percent of children between the ages of 10 and 17 are overweight and almost half did not get to visit both a dentist and a doctor last year. A basic health insurance plan, however, will remedy these situations for a low fee.
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Texas Health Insurance Needs
Everyone can benefit from the regular doctor visits and preventative care that is covered by most health insurance plans. Chronic conditions require early detection, monitoring and treatment. For example, almost 8 percent of Texan adults are diagnosed with diabetes, 11 percent have asthma, 58.8 percent are overweight or obese and 20 percent are smokers. Help protect yourself from future health problems, get your free health insurance quote today.
Health Insurance Laws in Texas
Texas law allows insurance companies to deny coverage if you have a health problem. Consumer Choice Benefit Plans, lower cost policies, must be offered. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 24 months, or permanently excluded with the use of an elimination rider. HMOs can not impose exclusions. Pregnancy qualifies as a pre-existing condition, genetic information does not. Creditable coverage will be given if you have had continuous coverage for more than 63 days. There are no regulations limiting premium prices. The state prohibits cancellation of your policy because you become sick. Applicants denied coverage can purchase a plan through Texas Health Insurance Risk Pool is they are HIPAA eligible. Check with your state insurance department for eligibility requirements.
Individual Health Insurance Companies in Texas
Aetna
American Medical Security
Assurant Health
BlueCross BlueShield of Texas
Celtic
Fairmont Specialty Group
Golden Rule
Guardian
PacifiCare
Security Life
UNICARE
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