A Gallup poll indicates that the state of Texas has the highest number of adults without health insurance in the US. Out of nearly 24 million residents, the number of residents without health insurance is a whopping 25.22%. The number of Texans enrolled in HMO number at 3 million. In recent studies of adults between 18 and 64 years of age, results have shown that the rate of Texan residents without health insurance fell by eight percent, but it is still the state with the highest number of uninsured residents. The reason for this has mostly to do with income gaps and Texas state laws. The income gap between the low and middle class continues to grow. When it comes to government programs like Medicaid, the state leaders have declined their expansion. As for President Obama’s health care plan, the Texan leaders criticized it as being inefficient.
Even so, health insurance plans for individuals is a basic necessity. No matter what a person’s circumstances may be, he or she deserves to find basic medical health care coverage that is right for him or her. Some of the points to consider when mapping out a strategy for finding a health insurance plan is to first establish whether or not you’re self-employed. Next, find out if your employer does or doesn’t offer a group plan health insurance for its employees. In a group plan health insurance coverage, there may be a plan that lets you obtain coverage for spouse and dependents. Find out what the premium you pay for your current health insurance. Year by year, health insurance plans have some modifications or changes. Find out if the premium or coverage benefits have changed since the last year of enrollment.
A helpful tip if you and your domestic partner or spouse share a health insurance plan is to each look up a quote separately, then compare the findings together. Based on your findings, pick the plan that works right for you both, and is the most affordable.
Many folks consider dental to be an excess but oral hygiene and health is imperative to one’s overall health. Getting dental health insurance might seem like a challenge but once a person gets the right questions answered and looks to the proper sources, they might qualify for a low premium on dental health insurance. Depending on your dental health insurance plan, the price may vary. There are types of benefits like a routine checkup, x-ray, fillings and cleaning that you can select in order to pay the right amount of dental health insurance premium that works best for you.
Depending on the plan, you may be limited to certain services, but it’s important not to neglect your oral health. This is because if certain works go neglected for too long, they might end up costing you more than it would’ve had you been more consistent with your dental work and checkup.
For individuals who seek a short term form of health insurance, fear no more. Texas has reliable forms of short term health insurance that could meet your needs. Short term health insurance is a good option for folks who are in between jobs, staying in Texas for a short time, or a recent graduate who is searching for a job. Short term health insurance offers coverage for a term anywhere between one and twelve months. Temporary medical plans also come in a variety of packages. The downside to purchasing a short term health insurance plan is that it might make you ineligible to purchase an individual health plan called Health Insurance Portability and Accountability Act (HIPAA) Plan. This kind of health insurance is normally reserved for individuals who have a serious or an existing medical condition and might have difficulty obtaining an working health insurance plan. You can discuss the right choice or health insurance plan with your health insurance carrier. There are many to choose from so be sure to ask lots of questions and weigh out all the pros and cons before making a purchase. With that said, even if it’s a short term, health insurance coverage is important. Furthermore, if you have a serious ailment or medical condition, understand that short term health insurance plans do not cover pre-existing conditions. Such conditions are defined as illnesses that might’ve been diagnosed in the last three to five years and have received some sort of treatment. If you’re someone who lives with a medical condition, a short term health insurance plan might not be the best option for you.
Health insurance plans are one thing, but it’s another after a doctor prescribes medication for your ailments. Drugs at pharmacies are just as costly as medical treatment. For this reason, Texas offers what is called a pharmacy discount card, which offer discounts on specific products and services. This card helps you to pay less expenses out of pocket.
The state of Texas also offers what’s called a Health Savings Account (HSA), which help you to save funds on health care costs. An HAS is good to have on hand just in case something happens to you. HSA accrues interest and is tax-free. HSA plans have a lower premium than most other plans. They also have a lower deductible. HSA also has no penalty costs.
For those unwanted yet unpredictable instances of accidents, the Texas state accident insurance is also an option to consider. Accident insurance covers incidents ranging from broken bones and sprains to car accidents. They also cover instances of allergic reactions. Some health insurance plans don’t cover instances of accidents. In cases like these, in order to avoid paying too much out of pocket, having an accident insurance at hand might be something to consider.