Does any Texas health insurance company offer coverage for pre-existing conditions?
There are some policies that do not have a pre-existing clause. My health insurance specifically states that there is no pre-existing clause. Most plans will cover pre-existing conditions if you can prove that the same condition was covered by a previous health plan with in a certain amount of time. Some may just have a “waiting” period before they will no longer consider it a pre-existing condition. My advise is to do your research. Don’t just choose the cheapest plan because in the long run that may cost you more. Ask about pre-existing exclusions, deductible amounts, and yearly maximums. I see too often in my job where someone has a limited plan and come into the hospital for an emergency stay. The total amount due from the insurance may be $10,000 but their plan may only pay a maximum of $1000 per stay. So now the patient is responsible for the $9000 balance!! Thank goodness the hospital I work for try their best to help patients in this situation by trying to qualify them for charity or setting up reasonable payment plans. Beware of what type of plan you choose and do your research!
Health Insurance: Maternity Care Quotes for Texas Families
