Twenty-five percent of Texans do not have health insurance and are risking financial ruin because even minor illnesses like appendicitis can cost thousands of dollars. Here’s how to get inexpensive Texas family health insurance so and your family will be protected.
Government-Sponsored Health Insurance Options
Texans have a number of options when it comes to government health insurance programs:
* Medicaid is a state and federal program that provides health insurance coverage for low-income families, people with disabilities, pregnant women, and elderly people who cannot afford private health insurance.
* CHIP, The Children’s Health Insurance Program, provides health insurance to families who earn too much money to be eligible for Medicaid, but cannot afford private insurance coverage for their children.
For more information on government-sponsored health insurance, visit the Texas Health and Human Services Commission website at: hhsc.state.tx.us.
Private Health Insurance Options
Private health insurance options for families living in Texas include:
* Indemnity plans, which pay for comprehensive health care – doctor visits, hospital and surgical fees, plus prescription drugs. These plans allow you to use the doctors and hospitals of your choice. You must pay a deductible ($500 to $2,000) before your insurance company will pay for a percentage of your medical expenses, usually 80%. Indemnity plans are the most expensive health insurance plans.
* Managed health care plans such as HMOs and PPOs, which also pay for doctor vistits, hospital and surgical fees, plus prescription drugs. Unlike indemnity plans, you are assigned to a group of doctors and hospitals, and can only use a doctor or hospital of your choosing by paying an extra fee. Managed health care plans are much cheaper than indemnity plans.
Inexpensive Texas Family Health Insurance
If you don’t qualify for government sponsored health insurance, you can get inexpensive health insurance by going to an insurance comparison website. There you can get quotes from a number of health insurance companies so you can compare them and choose the least expensive plan (see link below).
Visit or click on the following link to get Texas family health insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on Texas family health insurance.