Texas Health Insurance For Pre-existing Conditions
A pre-existing condition is a medical issue that you’ve had previously prior to getting health insurance. One example of a pre-existing condition is diabetes. In the state of Texas, that would fall under the definition for pre-existing conditions. If you have health insurance in Texas, you may have to wait several months or years before the insurance will pay for claims in regard to that condition.
When you’re filling out the application for health insurance, it is required that you include the pre-existing condition. Not including it can subject you to not having additional claims paid or your policy may be cancelled. This stipulation holds true for those that have health insurance in Texas.
Your health insurance company in Texas may consider a pre-existing condition to be one where you have received treatment and care prior to having your current health insurance plan. With health insurance in Texas, pre-existing conditions can also be determined with an individual health plan. If you have an individual plan, they will look at your medical history from the past to the present, starting five years back. If you have an employer-sponsored plan, they go back to the last six months. Other health insurance plans use the last twelve months.
There are some health insurance companies that will refuse to cover you if you have a pre-existing condition. If they do cover you, then they can ask for a policy rider. A policy rider will not cover anything related to the treatment of that condition. For health care plans that are sponsored by your employer, there can be a waiting period of up to a year. The waiting period for individual health insurance plans in Texas is two years.
In the state of Texas, regardless of whether or not you have a pre-existing condition, you may still have to go through a waiting period. If that happens to you, the waiting period for pre-existing conditions begins on the first day of the waiting period. If you have health insurance in Texas that is an HMO plan, then you can have a waiting period of no more than three months.
If you already have health insurance in Texas and you’re switching plans, then you may not have to wait as long. If there is a gap before you get new health care coverage it has to be within two months. If there are any lapses after that, you may have to wait longer to get health insurance.
It’s very important to know the facts and details about pre-existing coverage with health insurance in texas. If you have a pre-existing condition, there are still ways that you can get around the loophole. You will definitely need to let your health insurance carrier know that you have a pre-existing condition. Otherwise, you may find yourself without insurance. You will also be putting your health in danger if you’re not able to pay for the treatments yourself. Just because you have a pre-existing condition does not mean that you are in danger of not having insurance at all. However, you do need to know what you could be faced with if you don’t comply.
Jordan FeRoss
http://www.articlesbase.com/finance-articles/texas-health-insurance-for-preexisting-conditions-673367.html
Posted in: texas |
March 30th, 2010 at 10:36 pm
Does any Texas health insurance company offer coverage for pre-existing conditions?
March 31st, 2010 at 3:38 am
There are some policies that do not have a pre-existing clause. My health insurance specifically states that there is no pre-existing clause. Most plans will cover pre-existing conditions if you can prove that the same condition was covered by a previous health plan with in a certain amount of time. Some may just have a "waiting" period before they will no longer consider it a pre-existing condition. My advise is to do your research. Don’t just choose the cheapest plan because in the long run that may cost you more. Ask about pre-existing exclusions, deductible amounts, and yearly maximums. I see too often in my job where someone has a limited plan and come into the hospital for an emergency stay. The total amount due from the insurance may be $10,000 but their plan may only pay a maximum of $1000 per stay. So now the patient is responsible for the $9000 balance!! Thank goodness the hospital I work for try their best to help patients in this situation by trying to qualify them for charity or setting up reasonable payment plans. Beware of what type of plan you choose and do your research!
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Employed at large hospital chain in the billing office.