Self-employed people in Texas have a couple of options when it comes to health insurance in Texas. They may choose to buy insurance through an individual health insurance company or an HMO. The same types of policies and coverage that are available through employer sponsored plans are available to self-employed people; the difference is that the self-employed person has to pay the full premium themselves.
This usually means that the individual buying health insurance in Texas will have to pay quite a bit more for the same type of coverage. In addition to the fact that employees get part of their premium paid for by their company, they also get a better rate because of being part of a large group. Just like anything else, you get a better deal when buying in bulk.
The choices available for individual health insurance in Texas include: HMO's or managed health care—these individual plans pay for certain medical expenses at a predetermined rate to physicians and hospitals in their network. The biggest drawback of this type of insurance is that you are limited to doctors and hospitals that are in your insurance company's network.
You should also be aware that health insurance companies in Texas may check into your medical history when choosing whether to insure you and what premium to charge you as well. This may seem discriminatory, but it is a common practice among insurance companies. They want to make a profit on you and if you have had a lot of illnesses, they may feel you are too big of a risk and deny your claim or assess you a higher premium to cover their costs.
Your dependents are also eligible for coverage under your individual health insurance in Texas. Dependents include your children and any children that you have custody of. Your children do not have to live with you to be covered under your plan and often non-custodial parents are required to provide health care insurance for their children. You children are eligible to be on your policy until they are 18 unless they are full-time college students and then they can be covered until they are 25. Certain disabilities will enable your children to remain on your policy indefinitely.
Every health insurance company in Texas is a little different. They all cover different things for different amounts and have various co-pays and deductibles. You want to fully understand all the differences before making a purchase decision. Your health and the health of your family depends on the right insurance coverage so you want to choose wisely.
Once you have purchased health insurance in Texas you want to read your policy cover-to-cover and be sure you fully understand your coverage and any exceptions that might apply. Sometimes there are limits of what you can have done in a year and how much you have to spend before your insurance kicks in. Keeping accurate records is also important to be sure you get the coverage you paid for.
By: Jordan FeRoss
Thursday, January 8, 2009
Things to Know About Texas Health Insurance When Buying Your Health Insurance Policy
It is very true that having health insurance in Texas is vital to staying healthy. There are many ways to find health insurance in Texas. Since there is so much competition, you should be able to shop around for the best deal. Keep in mind that the "best deal" isn't always the cheapest premium. You want to find an insurance policy with the right amount of coverage at a price you can afford.
The internet has made finding health insurance in Texas a whole lot easier. By simply plugging the phrase “Texas health insurance quotes” into any search engine you should be able to find out everything you need to know. You will be able to view everything including rates and fees and even which doctors near you are in that insurance company's network. This information can be vital in helping you choose your insurance plan.
You will see dozens of websites that offer health insurance in Texas. You want to carefully consider the pros and cons of each site and be sure to find the one that offers you everything you are looking for in an insurance company. If you already have a doctor you love, you should check and see if they are in the network. Being able to keep your same doctor can be a huge advantage if you have found a doctor you trust.
You should also be able to ask questions about the health insurance options that a particular company is offering. If they won't take the time to answer your questions now, don't expect their customer service to get better after you give them your money. Finding the right health insurance in Texas isn't something you can do in a matter of minutes. You have to be willing to shop around and educate yourself about the process first. Finding out whether a company is there for you when you have questions is a great place to start.
When it comes to health insurance in Texas, dental is usually covered under a separate policy. In some cases dental emergencies are covered under your health insurance plan, but you will have to check their policies to find this information. You also want to see what kind of vision coverage a plan offers. This is vital if you already wear glasses, but even if you don't you will need to have a yearly exam.
Health insurance in Texas can be expensive, so you want to make sure you are getting a plan that you can truly afford. Missing a payment will cancel your insurance, so you don't want to get in over your head with a premium you can't afford. This is why you need to shop around online for the best deal on the coverage you need.
Looking for health insurance in Texas may seem like a tedious process, but once you find what you need you shouldn't have to go through this experience again. It will be well worth the effort you put in when you find an affordable plan that gives you all the coverage you need to keep yourself and your family healthy.
By: Jordan FeRoss
The internet has made finding health insurance in Texas a whole lot easier. By simply plugging the phrase “Texas health insurance quotes” into any search engine you should be able to find out everything you need to know. You will be able to view everything including rates and fees and even which doctors near you are in that insurance company's network. This information can be vital in helping you choose your insurance plan.
You will see dozens of websites that offer health insurance in Texas. You want to carefully consider the pros and cons of each site and be sure to find the one that offers you everything you are looking for in an insurance company. If you already have a doctor you love, you should check and see if they are in the network. Being able to keep your same doctor can be a huge advantage if you have found a doctor you trust.
You should also be able to ask questions about the health insurance options that a particular company is offering. If they won't take the time to answer your questions now, don't expect their customer service to get better after you give them your money. Finding the right health insurance in Texas isn't something you can do in a matter of minutes. You have to be willing to shop around and educate yourself about the process first. Finding out whether a company is there for you when you have questions is a great place to start.
When it comes to health insurance in Texas, dental is usually covered under a separate policy. In some cases dental emergencies are covered under your health insurance plan, but you will have to check their policies to find this information. You also want to see what kind of vision coverage a plan offers. This is vital if you already wear glasses, but even if you don't you will need to have a yearly exam.
Health insurance in Texas can be expensive, so you want to make sure you are getting a plan that you can truly afford. Missing a payment will cancel your insurance, so you don't want to get in over your head with a premium you can't afford. This is why you need to shop around online for the best deal on the coverage you need.
Looking for health insurance in Texas may seem like a tedious process, but once you find what you need you shouldn't have to go through this experience again. It will be well worth the effort you put in when you find an affordable plan that gives you all the coverage you need to keep yourself and your family healthy.
By: Jordan FeRoss
Tuesday, November 18, 2008
Governor Urges Health Insurance for Children by 2010
Posted: 9:43 PM Nov 18, 2008
Last Updated: 9:43 PM Nov 18, 2008
Reporter: Dara Rees
Email Address: dara.rees@wymtnews.com
More than 67,000 children in Kentucky do not have health insurance, but are eligible for coverage with KCHIP, Kentucky's free or low cost health insurance program. Today, governor steve beshear announced plans to get more Kentuckians enrolled.
Streaming live across the state, Governor Steve Beshear spoke about his hopes to improve the quality of life for every Kentuckian.
"Many of our children in this state lack health insurance, and thus they often don't get the healthcare they need. This is unacceptable," says Governor Beshear.
"We have a lot of children that are missing out on a lot of life because of not having the insurance to see the doctors and get the proper care they need to have," says Gaylan Good, executive director for United Way of South East Kentucky.
KCHIP is partnering with United Way and other community groups to find the children that are eligible and help people focus more on their families.
"We can help them focus on getting employed, getting self sufficient, but not having to look for the job that has all the benefits," says Tracy Counts with the Ready to Work Program with Hazard Community and Technical College.
Counts says she knows life without insurance can be stressful. "You're sitting there praying every night, please do not let anything happen, because you know you're going to be slapped with a big bill of something did happen."
The Governor's goal is to get 35,000 Kentucky children enrolled in KCHIP by 2010.
"That's a pretty ambitious goal, but when we get all of our partners together, it's going to happen," says Good.
KCHIP has also eliminated the barrier of face to face interviews, allowing people to apply entirely online.
Last Updated: 9:43 PM Nov 18, 2008
Reporter: Dara Rees
Email Address: dara.rees@wymtnews.com
More than 67,000 children in Kentucky do not have health insurance, but are eligible for coverage with KCHIP, Kentucky's free or low cost health insurance program. Today, governor steve beshear announced plans to get more Kentuckians enrolled.
Streaming live across the state, Governor Steve Beshear spoke about his hopes to improve the quality of life for every Kentuckian.
"Many of our children in this state lack health insurance, and thus they often don't get the healthcare they need. This is unacceptable," says Governor Beshear.
"We have a lot of children that are missing out on a lot of life because of not having the insurance to see the doctors and get the proper care they need to have," says Gaylan Good, executive director for United Way of South East Kentucky.
KCHIP is partnering with United Way and other community groups to find the children that are eligible and help people focus more on their families.
"We can help them focus on getting employed, getting self sufficient, but not having to look for the job that has all the benefits," says Tracy Counts with the Ready to Work Program with Hazard Community and Technical College.
Counts says she knows life without insurance can be stressful. "You're sitting there praying every night, please do not let anything happen, because you know you're going to be slapped with a big bill of something did happen."
The Governor's goal is to get 35,000 Kentucky children enrolled in KCHIP by 2010.
"That's a pretty ambitious goal, but when we get all of our partners together, it's going to happen," says Good.
KCHIP has also eliminated the barrier of face to face interviews, allowing people to apply entirely online.
Health Insurance - Are You Making A Thousand Dollar Mistake Each Year?
With all the threats to your health out there it is imperative that you have a good health insurance plan. There are different levels available so you should be able to find one that fits your budget. If you want the best coverage with the lowest deductible, you will have to pay more.
There are two important words that you should learn relating to health insurance. First, your premium is the amount you pay to your insurance company every month. This gets paid whether or not you use any health services. The second word is deductible, which is the amount of money you are required to pay whenever you use health services. This is paid out of pocket by the individual and must be paid before the health insurer will pay the rest of the hospital or clinic bill.
One can buy the simplest catastrophic coverage, which has an extremely high deductible and a premium lower that that of the so-called comprehensive policy which comes with a lower deductible and a more costly premium. Your firm might provide group health insurance which is almost certainly the lowest-priced alternative, with its premium being one of your regular payroll deductions.
You can find the best value possible by taking into account your health condition, your age, and the history of your immediate family. Request instant health insurance quotes and compare the coverages versus the premiums. However, it is basically a risk in which you must decide if the monthly premiums will be more or less than the potential medical costs that you would incur without insurance. Choose wisely.
By: Daniel Wright
Article Directory: http://www.articledashboard.com
There are two important words that you should learn relating to health insurance. First, your premium is the amount you pay to your insurance company every month. This gets paid whether or not you use any health services. The second word is deductible, which is the amount of money you are required to pay whenever you use health services. This is paid out of pocket by the individual and must be paid before the health insurer will pay the rest of the hospital or clinic bill.
One can buy the simplest catastrophic coverage, which has an extremely high deductible and a premium lower that that of the so-called comprehensive policy which comes with a lower deductible and a more costly premium. Your firm might provide group health insurance which is almost certainly the lowest-priced alternative, with its premium being one of your regular payroll deductions.
You can find the best value possible by taking into account your health condition, your age, and the history of your immediate family. Request instant health insurance quotes and compare the coverages versus the premiums. However, it is basically a risk in which you must decide if the monthly premiums will be more or less than the potential medical costs that you would incur without insurance. Choose wisely.
By: Daniel Wright
Article Directory: http://www.articledashboard.com
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