Texas


 

About Health Insurance in Texas

East Coast Health Insurance gives you access to the following leaders in Texas healthcare: Aetna, Blue Cross Blue Shield, Cigna, Humana, Unicare and UnitedHealth Care. We only select the most dependable and established health care companies, so you can receive the best care possible in the state of Texas.

Since the options may seem as sizable as Texas itself, we are here to help you sort out what works for your specific needs and budget.

Statistics

  • Total Population: 24,840,100
  • Total Uninsured Population: 6,234,900 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,943

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Texas

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our Texas experts finding the best rates for you over the phone at 888-803-5917.

 

Texas Health Insurance Market Overview & Laws

In the state of Texas, there are important laws to know based upon your rights, and the rights of the health insurance companies.

The guaranteed renewability provision is active in Texas, so you are always able to renew your current policy.

Insurance companies in Texas abide by the pre-existing condition exclusion provision, which means they can either grant a temporary or permanent exclusion period. If you have a pre-existing condition (in Texas, it is defined as a condition for which you have been treated medically 5 years before enrolling in a health plan), be sure to find out which carriers have temporary or permanent exclusion periods. This will help avoid any surprises when you are expected to pay out-of-pocket for expenses related to your illness.

Insurance companies

Health insurance companies in Texas are not held accountable by law as much as other states, giving them the option of being selective with their clients. They are allowed the ability to deny you insurance or increase your coverage costs according to your health status. This is important to be aware of when choosing the health insurance company you will purchase coverage from.

Coverage

The following services must be paid for by all health insurance plans in Texas according to federal law:

  •     Continued care for women during and after pregnancy
  •     Immunizations for children
  •     Selected diabetes treatments
  •     Breast, prostate, cervical and colorectal cancer exams, as well as HPV testing

For more information on health insurance in Texas, visit the Texas Department of Insurancesite.

 

Sources:

1.Kaiser Family Foundation, “Texas – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Texas Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Texas.html