What To Do If You Don’t Have An Individual Health Insurance Texas Policy

What To Do If You Don't Have An Individual Health Insurance Texas Policy

Although a lot of people have health insurance through their employers' group plan, many people still have to buy individual health insurance Texas plans. There may be a variety of reasons for this. Some people may be self-employed, and not work for a company that provides individual health insurance Texas plans. Others may have recently lost a job and become unemployed due to the recent downturn in the economy. If you have recently lost your job, where you had individual health insurance Texas group plan insurance, you may be eligible for COBRA continuing coverage. Be sure to check into that, if this is your current circumstance.

However, sometimes finding a cheaper individual health insurance Texas policy may be more affordable than paying the COBRA premiums, depending on what they are. Also, there are strict time deadlines regarding signing up for COBRA. If you find that you do need to learn more about COBRA, check with the United States Department of Labor web site for frequently asked questions.

If you do end up looking for an individual health insurance Texas plan, there are many private health insurance companies that offer individual health insurance Texas policies to individuals and their families. You should research and shop carefully because individual health insurance Texas policies are very different from one another. Sometimes it is hard to compare individual health insurance Texas plans side by side.

Finding a good Individual Health Insurance Texas Plan

Here are some questions you should ask when you are shopping for individual health insurance Texas plans.
What medical services are covered?
What is the deductible for this individual health insurance Texas policy?
How much is my co-payment, and how much will the insurance company cover?
Does this individual health insurance Texas policy have an out of pocket maximum?
How big is the physicians' network for this company?
Does my individual health insurance Texas policy exclude health problems I currently have?

You may also want to check with your current physicians, if you really like them, to make sure they are part of the network and will accept your individual health insurance Texas plan. Most doctors are part of several different insurance networks, but you should check to be sure. Then, you can continue to see the same doctor, which is a nice way to maintain continuity of care, especially if you already have an established relationship with that doctor. This is especially important for children and their pediatricians.

Even if you believe the premiums for the individual health insurance Texas policy you have chosen are high, do not consider skipping health insurance. Remember that this individual health insurance Texas plan is to help you in case of a medical emergency. If you stay healthy, that is great. But if something goes wrong, this individual health insurance Texas plan is in place to protect you and your family from unpaid medical bills that could lead to financial stress, or even bankruptcy.