Guaranteed Issue Health Plans for Texas Residents - If You Have Been Declined For Health Insurance, We Can Help.
We have health insurance that you can obtain regardless of your current medical condition. These are real insurance products. They are not discount cards or accident plans. If you have been declined for a health insurance, have a look at these plans. Some cover the hospital only and others will offer doctor and prescription coverage.
If you are self-employed you can obtain full major medical coverage with no health questions..
There is no such thing as maternity
Texas Health Insurance Buying Tips
Let me save you some time
and money while I save myself the aggravation. Every day I get calls
from what sound like normal, intelligent individuals that will not purchase
health insurance because the plan does not cover their preexisting conditions.
"You won't cover my allergies! Then what the hell do I need health
- Understand your coverage
before you send in the check. If the plan has limitations on benefits,
you need to know it in advance. I can't tell you how many people I talk
to who have no idea what their current benefits are or what benefits
are being proposed to them. Ask hard questions. Make the agent explain
anything you don't understand. Are there dollar limits on room and board
(not good)? Are there dollar limits for surgery (very bad)? Don't get
hypnotized with the pretty brochure.
- High deductible health insurance plans are often the best value. There is no point in spending $2000 a year more in premiums for a prescription card and $500 less in deductible. You don't have group insurance anymore so stop asking for $250 or $500 deductibles. They cost too damn much and you have better things to do with your money. If you have too much money we need to talk right away.
- Don't let anyone feed you
crap about regular, usual and customary. If you are in a PPO and you
go to a hospital that is part of the PPO network, you are automatically
billed the pre-negotiated rate. There will be no surprises as the costs
are negotiated in advance. This is how most health insurance plans in
Texas are sold.
- Also, while we are on the
subject of "cheap", I promise you will get a premium increase
every single year. You can count on it. It doesn't matter what health
insurance company you use. If you get an increase give me a call. I
will either tell you to stay where you are or I will move you to a less
expensive plan. In many instances I can shave off a lot of the increase.
This is another reason to use a broker and not a captive agent with
only one company to offer.