Texas Health Insurance

2007-03-08 10:33:40

( Health )



If you happen to be a resident of Texas, you are covered by the Texas Health Insurance Risk Pool. The Texas Health Insurance Risk Pool was put into law in 1989 to protect residents who are ill and who are not capable of getting insurances. Those who are classified as "Federally Eligible Individuals” are also covered by this Texas health insurance.

This Texas health insurance covers medical expenses incurred in the purchase of prescription drugs. There is a maximum benefit of up to 1,5000,00 dollars. The insured is required to coinsure and the Texas health insurance coverage amount will be deducted as prescribed by the calendar year stated.

Who are eligible to apply for the Texas health insurance? Is an overseas health insurance or an international health insurance available?

A person who is under 65 years old is eligible. Those who have been residents of Texas for 30 days are eligible as well as those who are permanent resident of the United States for 3 continuous years.

The following documents should be provided too. The individual must present a notice from the insurance company that he or she was denied insurance because of medical conditions.

Together with the first document mentioned, the individual should also present a certification from the rejecting insurance company. The certificate should be signed by the employee of the insurance company stating that the insurance company cannot issue insurance because of the medical condition of the applicant.

The individual has to prove that he or she was diagnosed with a serious disease.

The individual should present an insurance offer by the insurer or HMO. This offer should state that it is not covering the medical condition of the individual.

Lastly, the individual has to show an offer made by the insurer or HMO which has a premium higher than what the Texas health insurance Risk Pool is currently offering.


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