Texas Health Insurance
Texas HEALTH INSURANCE PROGRAMS
TexCare CHIP - Texas' Children's Health Insurance Program, TexCare CHIP, provides health insurance for children who do not qualify for Medicaid coverage but are unable to afford a private plan.
Texas Health Insurance Risk Pool - Texas residents with pre-existing health conditions that cannot find a health plan may qualify for coverage in the Texas Health Insurance Risk Pool.
Texas Breast and Cervical Cancer Control Program - This program offers some women who have been diagnosed with breast or cervical cancer full health insurance benefits through Medicaid.
Common Health Conditions in Texas
- HIV / Aids
- Stroke
- Asthma
- Cancer
- Asthma
- Diabetes
- Hemiplegia
Texas Health Insurance Regulations
Texas has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase. Some of the most important Texas health insurance laws are the ones that influence the health insurance policy itself. Texas health insurance laws require that all Texas health insurance policies include a clause called the guaranteed renewability provison. This mandatory provision gaurantees that, at the end your Texas health insurance policy's term, you will be able to renew that same policy for another year. Texas health insurance laws regulate policy exclusion periods too. Medical conditions can be excluded from your Texas health insurance coverage for a period of time if they are considered to be pre-existing conditions. State laws define the term "pre-existing" differently. Texas health insurance regulations consider conditions to be pre-existing if you received medical treatment for, or were diagnosed with, the condition anytime in the 5 years before the beginning of the health insurance policy. Legally, Texas health insurance companies are allowed to include exclusion periods for pre-existing condition for up to 2 years. However, Texas health insurance companies can also exclude coverage for a pre-existing condition permanently by attaching an elimination rider to the policy. If you switch health insurance companies, your old policy can be used to credit your new Texas health insurance policy's pre-existing exclusion period. Health insurance laws in some states strictly regulate the cost and availability of health insurance policies, instead of letting insurance companies have complete freedom. Texas health insurance laws are rather relaxed in this area, which means you have to be more aware of what liberties your Texas health insurance company are allowed. For one, the availability and cost of Texas health insurance is determined by your health status. This means that any Texas health insurance company is free to initially refuse you coverage or to increase your premiums due to your health status. However, once you purchase a health insurance policy, it is illegal for a Texas health insurance company to deny you continued coverage on the basis of declining health. Considering the relaxed protection Texas residents receive from your state government, it is very highly recommended that you purchase your Texas health insurance policy while you are young and healthy, then continue to maintain that policy. By doing so you avoid the possibility of being denied Taxas health insurance when you need it most.
Texas
Texas Department of State Health Services, PO Box 149347, Austin, Texas 78714-9347
Website: http://www.dshs.state.tx.us/
Phone: (512) 458-7111 or 1-888-963-7111
