Health Insurance

People know that in this day and age, Texas health insurance is not just a luxury, it is a necessity. With the cost of medical care and treatments continuing to skyrocket, it is more important than ever to be able to find a trusted source for good, affordable Texas health insurance quotes. Thousands of people are choosing insuranceUSA.com for just this purpose. In basic terms, health insurance is a form of insurance which covers medical expenses, both routine and emergency. Many states also offer additional coverage packages, including disability and long-term care.

The following article will provide details and information pertaining to the regulations of Texas health insurance for both individual and small group subscribers. There is also basic information concerning COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The main users of COBRA insurance are people who have, for whatever reason, lost their primary means of health coverage, usually through the loss of a job. However, COBRA insurance covers more than just former employees. Other common users of COBRA insurance include recent retirees and people with disabilities. COBRA insurance also commonly covers the spouse and/or children of those who enjoy its benefits.

You will also find statistical information allowing you to compare the healthiness of Texans to those who live in other states.

In this article, you will find all the information you need about Texas health insurance to allow you to make an informed and thoughtful decision concerning your health insurance needs. At insuranceUSA.com we will provide you with quotes for the exact, personalized type of health insurance which you choose.

Texas Individual and Family Health Insurance
Individual and family health insurance plans in Texas are not a guaranteed issue, but rather are medically underwritten. This means that Texas health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. Texas health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. Texas health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.

Texas Group Health Insurance
To qualify for Texas health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Texas health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Texas health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Texas health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Texas COBRA Insurance
Texas health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your Texas health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all Texas health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional Texas health insurance is available through the Texas Comprehensive Health Insurance Association (ACHIA).

Texas Health Information and Statistics
If you are in the market for quality Texas health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Texas ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Texas are a low rate of cancer deaths and a moderate prevalence of smoking. Texas also faces many challenges, such as a high percentage of children in poverty, a high incidence of infectious disease, a high rate of uninsured population and limited access to primary care.

According to a 2008 study, Texas had some significant changes over the past year. The percentage of children in poverty rose by 14% and the prevalence of smoking increased by 8%. On a more positive note, in the last five years, immunization coverage increased by 15% and since 1990, the infant mortality rate declined by 30%.

Following is a variety of statistical data related to living in Texas, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Texas health insurance.

  • Prevalence of Smoking-19th
  • Prevalence of Obesity-39th
  • Violent Crime-37th
  • Children in Poverty-49th
  • Air Pollution-33th
  • Cancer Deaths-15th
  • Lack of Health Insurance-50th
  • Prevalence of Binge Drinking-20th
  • Infant Mortality-24th
  • Infectious Disease-44th
  • Premature Death-25th

Overall Rank: 46
Change: -9