Information and Help on Texas Medical Insurance Plans

When deciding on the type of Texas medical insurance plan that best fits your healthcare needs, we suggest you find answers for these main concerns:

· How can you choose your preferred doctors?

· What is your budget for health coverage?

· What will happen if you suddenly need an expensive medical procedure?

· How much will you spend for routine visits and check-ups?

· How much coverage will you get for prescription medication?

If you’re going to get individual or family health insurance you must be prepared to undergo medical underwriting. Unlike group insurance, carriers can change your rates based on the findings of your underwriting report, and can even decline your application if they find certain health conditions that they consider to be very high risk on their part.

Here are some guidelines on qualifying for health coverage:

Different carriers have different criteria for qualifying, so it’s not unusual to be accepted by one carrier and declined by another, even if you’re applying for the same type of plan.

If you’re undergoing treatment of some kind, or have temporary medication for health symptoms, it’s best to wait awhile before submitting yourself to underwriting. Usually, 6 months after the symptom or treatment is over, would be enough time to file your application.

If you’re not insured yet and you’re applying for permanent coverage, try getting short term health insurance first. That’s because if you’re declined by the carrier, you’ll lose your short term option for health insurance.

Expect brand name medication to be carefully examined because of the costs of these drugs.

When applying for family insurance, the insurance carrier can decline one member but approve the rest of the family.

Most of the scrutiny will be on your current health situation. Your medical history is reviewed but if your health situation has been stable for quite some time, chances are you won’t encounter any difficulties.

Some reasons that may result in declining an application:

· Pregnancy or the father is expecting a baby.

· Currently on medication.

· Had an injury in the last 6 months.

· Received treatment for diabetes, cancer, heart disease, or other serious illnesses in the last 2 to 3 years.

· Body mass index is outside an established (by the carrier) range.

· Multiple injuries or illnesses.

Got more questions? Let our experts help find the right Texas medical insurance plan for you. Start comparing plans now with our free online quotes.