Monthly Archives: October 2017

Individual Health Insurance Texas

For individual health insurance Texas residents have a lot of choices to make. There are over a dozen companies that offer individual health insurance Texas policies. Some of the types of individual health insurance Texas policies available are accident only, basic hospital, disability income protection, limited benefit, major medical, and short-term major medical. You can get a lot of information about individual health insurance Texas policies from the web site of the Texas Department of Insurance. They have created a health insurance exchange web portal designed to help residents of the state of Texas find helpful information about individual health insurance Texas, as well as other insurance related matters. Even small business owners can find information about group health plans, rather than individual health insurance Texas plans, on this web site.

According to statistics, approximately one in every four Texas has no benefits or coverage through either a group health plan, or an individual health insurance Texas policy. This is unfortunate because it is very important to protect yourself and your family from unexpected illness or injury. A large number of personal bankruptcies that occur in the United States can be traced back to medical bills that accumulated and were eventually too big to pay off. Having coverage through a group health plan, or an individual health insurance Texas policy, is very important and can be helpful if you or your family require medical care. Actually, benefits can be used for preventive care, and therefore, to avoid becoming ill or unhealthy in the future.

The Texas Department of Insurance has recently set up the TexasHealthOptions.com section of their web site to help consumers with their individual health insurance Texas plan questions. They recommend using an independent agent, although they warn that you should make sure the agent is licensed in the state of Texas. An agent represents many different companies and can therefore speak about many different individual health insurance Texas plan options. You can get quotes on several individual health insurance Texas policies at one time, with just one phone call.

Probably the origin of the Texas Health Options web site is the mandate by the federal government, as part of the health care reform act, for all states to set up a health insurance exchange web portal to help consumers make wise choices when it comes to purchasing individual health insurance Texas plans. This information is supposed to be presented in a simple manner, enabling consumers to compare individual health insurance Texas policies side-by-side. The web site includes a glossary of terms that you should be familiar with so you can understand the fine print and details of the individual health insurance Texas plan paperwork and application.

Because all the different health insurance providers have many different plans, the information about individual health insurance Texas policies can be overwhelming to the layperson, unless they are very familiar with the health insurance industry. Don’t be afraid to ask for help from either the Texas Department of Insurance or a licensed insurance broker who is familiar with individual health insurance Texas plans. Remember that the broker does not have to reside in Texas, but only has to be licensed in Texas to sell individual health insurance Texas policies

Health Insurance Frequently Asked Questions

Many Georgia health insurance providers are nationally established carriers who either are licensed to do business in Georgia, or who have divisions that are locally licensed. They have Georgia health insurance plans specifically designed to meet Georgia state regulations and requirements. However, as of a few years back, the Georgia congress passed laws that allow Georgia residents to purchase their Georgia health insurance from companies who are outside of the state also. The Georgia health insurance policy purchased outside the state must meet Georgia’s requirements and regulations, but otherwise, it is a perfectly acceptable legal method of purchasing Georgia health insurance.

How am I protected from Georgia health insurance fraud and scams?

If you have questions about the legitimacy of a Georgia health insurance plan offer you have been advertised or offered, you can contact the Georgia insurance commissioner’s office. The Georgia insurance commissioner is in charge of overseeing and regulating insurance products of all kinds. They keep a list of companies that have had complaints filed against them, and may be able to inform you of new scams. Please remember that if a Georgia health insurance plan proposal sounds too good to be true, it probably is. It is virtually impossible to find family Georgia health insurance policies that have monthly premiums in the $30/month range. If this is what you are offered, it is probably not a legitimate insurance company.

What if I can’t afford Georgia health insurance?

There are currently several government-subsidized programs to provide georgia health insurance to children. These Georgia health insurance companies are Amerigroup, Wellcare, and Peach State for Children. They work alongside Georgia health insurance Medicaid and Peachcare to provide medical and behavioral health services to children. Families must meet financial need criteria, and be American citizens. These Georgia health insurance providers also offer vision and dental benefits on some of their policies.

I have a pre-existing medical condition. Will this prevent me from getting Georgia health insurance?

A pre-existing medical condition could possibly lead to not getting approved for purchasing an individual or family Georgia health insurance policy. Once you complete your application, it will be sent to the medical underwriting department for review. They may determine that your pre-existing condition results in your being too high risk for the health plan. However, they may approve your policy with higher premiums, or a waiting period for treatment of that pre-existing condition. It is still worth filling out an application. Another option is to receive benefits through a group health plan through your employer. Group health plans cannot deny coverage to any qualified member of the group or organization, regardless of pre-existing medical conditions. In the future, the health care reform acts will not allow georgia health insurance carriers to demand a waiting period or exclusions on pre-existing conditions. Also, at this time, if you have had continuous coverage through Georgia health insurance, or insurance in another state, without a gap in coverage, your pre-existing medical condition cannot be excluded. There are many rules and regulations regarding pre-existing medical conditions, so you will want to check with your particular Georgia health insurance provider to determine how yours affects your coverage

Affordable Health Insurance Is The Goal Of Health Reform

One of the main goals of the health reform movement is that more American families will find affordable health insurance plans. Many of the changes being required of health insurance providers are designed to force them to offer more affordable health insurance policies to more Americans. In addition, there are also laws and regulations in place to force Americans to purchase affordable health insurance plans. In the future, American citizens who do not purchase affordable health insurance plans will have to pay big tax penalties or fines.

Another change is the establishment of high risk pools for each state. The purpose of these high risk pools is that individuals who have not been able to get approved for affordable health insurance individual policies in the past, due to a pre-existing medical condition, will have an affordable health insurance option. At this time, a few states have high risk pools, but many did not, as of earlier this year. This means that those individuals who were not enrolled in a group health plan may not have been able to find affordable health insurance plans because their monthly premiums may have been increased due to a pre-existing medical problem, or they would get denials back from their applications. High risk pools make it possible for these individuals to enroll in affordable health insurance plans. The premiums may still be higher, but the goal is to make affordable health insurance policies available to high risk citizens.

Many of the changes in the health reform acts laws to monitor and regulate the health insurance industry. This includes making health insurance providers submit rate increases to the government for approval. Again, this is to encourage insurance carriers to offer more affordable health insurance options to American citizens. The Secretary of Health and Human Services (HHS) is to create new rate review processes, and start approving or disapproving new rate filings by insurance companies.

Other changes proposed are the prohibition of lifetime benefit limits, restricted annual limits for essential benefits, and coverage of dependents up until age 26. All of these changes will result in less out of pocket expenses for members, therefore health insurance making affordable health insurance. The federal government really wants the public to see the benefit of health insurance, and find affordable health insurance policies in order to protect themselves and their families.

The HHS is also setting up a national insurance exchange, which is basically a web portal which will carry information from several different insurance providers and provide information about the many different types of affordable health insurance plans available to American citizens. It is possible that these insurance exchanges will also have information about a government-sponsored affordable health insurance, as competition to private open market affordable health insurance plans, such as those available to Americans today. The national insurance exchange is still a work in progress, so there is a lot to be seen about how it is to work.

More Texas Residents Need Texas Health Insurance Plans

One in five Texas residents does not have a Texas health insurance plans. Texas has a lot of government agencies overseeing trying to change that statistic and increasing the number of Texas residents that have Texas health insurance plans. According to the Texas Department of Insurance, a new program called Healthy Texas has been set up by the state to help small business owners and their employees have Texas health insurance plans. Texas is also one of approximately thirty-seven states that have a Texas health insurance plans Risk Pool, for those Texas residents who continuously get denied coverage from Texas health insurance plans due to a poor medical condition.

Texas also offers a web site with links to helpful links and resources at TexasHealthOptions.com, which can help individuals, find affordable Texas health insurance plans. The effort the Texas government is putting into helping increase access to Texas health insurance plans to its residents is commendable.

There are over thirty health insurance companies that are licensed to offer Texas health insurance plans in Texas. Some of these are well known companies, and some others are lesser known, or divisions or branches of the nationally known carrier.

The most common option for those looking for Texas health insurance plans is to contact a private health insurance carrier. These carriers offer many different types of Texas health insurance plans, for any budget. You should check to make sure that the carrier is legit and has been licensed. This protects you against insurance company fraud. You can also work with a licensed, independent insurance broker to help you find Texas health insurance plans that meet your needs, and are within your price range. A broker can teach you the vocabulary you need to know, and the questions you need to ask in order to get the best Texas health insurance plans for your money. They can also help you completely and accurately fill out the application for Texas health insurance plans, which is sometimes long.

The Texas government recommends that people needing Texas health insurance plans first start out asking their employer if they are eligible for group Texas health insurance plans. This is often the most convenient option, especially if the employer helps subsidize some of the monthly Texas health insurance plans premiums. The second step is to try to get group coverage through association in some professional organization, or fraternal organization, for example. Be careful of groups that offer this option, and check them out with past members to make sure there is no fraudulent activity going on.

If you can’t get Texas Health Insurance Plans

If neither one of these two options helps you get Texas health insurance plans, and then look into whether or not you qualify for Medicaid. Medicaid eligibility is based on financial need, or certain medical conditions. If you are not able to receive any Texas health insurance plans from any of the major health insurance companies, due to poor health, or other high risk characteristic, then you may apply to the Texas Health Insurance Plans Pool. The purpose of this Texas health insurance plans is to insure Texans who are excluded from other possible health care coverage.

Let us say that you still do not have health insurance, there are certain medical services that can be accessed at low costs for those without adequate Texas health insurance plans benefits. There are community health centers and federally qualified health centers in Texas set up to provide low cost medical services to those who need them.