old american insurance texas - 23 August 2013 - insurance

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old american insurance texas

Texas

The following information details health insurance and assistance programs available to uninsured people in Texas.

In Texas, state law allows health insurance companies to turn people down for individual health insurance coverage based on the status of their health. In most cases, diabetes is considered an uninsurable condition. Even though you can be turned down for an individual policy in Texas, you can never be turned down for health insurance that is offered through an employer.

If you are having a problem with your state-regulated health plan and you are unable to resolve it with the plan directly, file a complaint with the Department of Insurance. They may be able to provide you with assistance in reaching a conclusion.

Texas Health Insurance High Risk Pool - (888)398-3927

The Texas Health Insurance High Risk Pool is the Texas state high-risk pool. This program allows individual health insurance policies to be sold to people who might otherwise be considered uninsurable because of a chronic illness. Premiums may be high, and a pre-existing condition period may apply. Contact the Texas Health Insurance High Risk Pool for more information.

Texas Childrens Health Insurance Program (TXCHIP) - State Childrens Health Insurance Program - (877) 543-7669

The Childrens Health Insurance Program is the childrens health insurance program designed to provide coverage to children and teens up to age 19 whose families may have too great an income or assets to qualify for Medicaid, but who may not be able to afford health insurance. After qualifying, children in these programs must re-enroll every six months to remain eligible for TXCHIP. Visit the Web site to find out if you or your child meets the income guidelines.

Pre-Existing Condition Insurance Plan (PCIP)

Through the Affordable Care Act, uninsured people with diabetes who have been continually uninsured for six months or more will be able to access insurance through a new program called the Pre-Existing Condition Insurance Plan (PCIP). PCIP, which is administered by either your state or the U.S. Department of Health and Human Services, will be available until the provisions banning discrimination based on pre-existing conditions are fully implemented in 2014.

PCIP will be available in every state, but the program may vary depending on the state. Currently, many states run programs, often called high risk pools, to offer insurance for those with pre-existing conditions. To build on what states are already doing, states can either run a new program with resources from the Affordable Care Act or rely on the U.S. Department of Health and Human Services to provide coverage. Please check out the State Plans page to learn more about how PCIP works in your state. https://www.pcip.gov/PCIP_States.html

Local Community Health Clinics

If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free to patients or require a very small fee. Find a clinic in your area .