Where to get Texas health insurance pool information
In the past, many Texans haven’t been able to acquire healthcare insurance for one reason or another. Some of them couldn’t afford it and others were turned down by insurance companies because they had pre-existing medical conditions. The Texas health insurance pool is designed to offer insurance for people who can’t get it from private insurers because of their health condition and for those who are deemed HIPAA eligible. To be HIPAA eligible, you must have had continuous health insurance for at least 18 months and didn’t go more than 63 consecutive days without it. The last day of coverage must have been in a group plan. You must also have used up your COBRA coverage or are ineligible for it and other similar programs offered by the state. In addition, you must not have had your insurance cancelled due to fraud or non-payment and you aren’t eligible for Medicare, Medicaid or any other group plan. If you’re HIPAA eligible, then you’re able to purchase medical insurance through the Texas health insurance pool. The pool is designed for those with serious medical conditions, but it will cover your whole family as long as one member is eligible for the coverage. However, each member will typically pay a separate premium. The Texas health insurance pool will cover physician and hospital care, prescription drugs, maternity services, treatment for mental health problem and more. There are five different plans available and the deductibles vary as do the coinsurance maximums. There’s an HSA qualified plan and all plans are PPOs (preferred provider organization), which means it’s less expensive to get care from a provider within its network. If you’re not HCTC or HIPAA eligible, there might be a 12-month exclusion period for pre-existing conditions. The Texas health insurance pool looks at the previous six months to check if you were diagnosed with a condition or received medical advice and/or treatment for one. Pregnancy may also be considered as a pre-existing condition. Pool plans don’t allow elimination riders. For more information on the Texas health insurance pool and all other types of healthcare insurance matters you can visit www.getqualityinsurance.com. They will be able to assist you in all aspects of medical plans, including life insurance, group health benefits, Medicare, and group and family plans. They’ll gladly help you choose the best policy for your health situation and lifestyle. The agency will also search for the most affordable rates for your policy by comparing quotes from the top insurance carriers in Texas. You’re also invited to phone or email them as well as use their free, no-obligation quote engine for instant results. | 
