Texas health insurance

Health Insurance in Texas

Recent reports have shown that millions of Americans are without health insurance. The State of Texas has a similar case—every 1 among 4 Texans is uninsured. What is the reason behind going without health coverage when healthcare costs are almost skyrocketing?

The concept of healthcare reforms proposed by Obama’s government is not alien or totally useless. It is geared towards making health insurance mandatory to every citizen. There are different issues why so many Americans are without health insurance, which could involve losing job, expulsion from an existing group health insurance policy to cut costs, costs involved in buying a health insurance policy, and sometimes being simply ignorant about the benefits of having a health insurance plan.

List of companies providing health insurance in Texas

There are many private companies that are authorized by the state’s health insurance department to sell their products in Texas. They include:

Aetna

American Community

American National

AMS

Assurant

Blue Cross and Blue Shield

Celtic

Cigna

Companion

Companion Life

Coventry

FirstCare

Golden Rule

Great American

Humana One

IAC

Imerica

Patriot Health

Scott & White Health Plan

Solera Dental

Texas Health Insurance Risk Pool

UniCare

Things to check before buying a health insurance plan in Texas

What is the level of coverage provided?

How much you must pay before the insurance company starts to pay?

Is there any maximum annual limit for the claims that can be made?

Does the health insurance plan provides coverage for a pre-existing condition (needed for consumers who have a pre-existing condition)

Does the health insurance plan allow seeking medical care out of the network?

If you want to see a specialist, does the health insurance plan require you to have a referral from the primary physician?

These points work as a check-list before you can finalize any plan.