Friday, April 19

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Texas Health Insurance Plans – Fee-For-Service Vs. Managed Care

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Texas health insurance plans offer protection against sudden and unexpected costs for illnesses and injuries.  According to the U.S. Census Bureau, only 3 out of every 4 Texans have some form of health insurance.  A Harvard Medical School study found that in 2001, out-of-pocket costs averaged nearly $12,000 per American, and although 75% had health insurance at the time of the injury or illness, 750,000 people filed for bankruptcy due to medical costs.  The most affordable health insurance in the individual and group market is managed care plans like PPO's. Most employers don't even offer Fee-For-Service type plans and this holds true in the individual market as only a few carriers have plans that don't require usage of a provider network.  Under a fee-for service or indemnity plan, a po

UniCare to pull out of Illinois, Texas

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Just as Congress works to pass health reform that would give insurance companies tax dollars to help consumers pay for coverage, the nation's largest medical insurer said it would exit the Illinois market, leaving behind more than 180,000 customers.WellPoint Inc., which operates locally as UniCare, said it will exit Illinois and Texas, where it has about 400,000 members, in an effort to focus on its other U.S. operations. WellPoint said the subsidiary is profitable, but "there are competitive pressures in Illinois and Texas that have made it increasingly difficult for UniCare to offer quality products that are competitively priced."The health bill "is a moving target, and this decision is a strategic one that was made independent of any health reform legislation," WellPoint spokesman Ton...

Top 10 Health Insurance Companies – How Can You Identify Them?

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TOP 10 HEALTH INSURANCE COMPANIES – HOW CAN YOU IDENTIFY THEM? Online search – Often not helpful If you have searched online for the top 10 health insurance companies, you are likely to have been frustrated by the results. You would have realized that the lists of the top 10 health insurance companies differ substantially from one website to another. Which list can you count on? How do you know that the lists are trustworthy? It is important to identify the top health insurance companies Despite the above-mentioned obstacles, it is important to identify the top health insurance companies. Getting a good health insurance is directly dependant on the fine rating of the health insurance company. Ranking or rating insurance companies should not be based only upon costs of the insurance plans

Texas Health Insurance For Pre-existing Conditions

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A pre-existing condition is a medical issue that you've had previously prior to getting health insurance. One example of a pre-existing condition is diabetes. In the state of Texas, that would fall under the definition for pre-existing conditions. If you have health insurance in Texas, you may have to wait several months or years before the insurance will pay for claims in regard to that condition.When you're filling out the application for health insurance, it is required that you include the pre-existing condition. Not including it can subject you to not having additional claims paid or your policy may be cancelled. This stipulation holds true for those that have health insurance in Texas.Your health insurance company in Texas may consider a pre-existing condition to be one where you h...

Texas Health Insurance: Compare Costs and Benefits

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Medical emergencies can hit you anytime and anywhere, despite your best efforts to stay safe and stay healthy. To avoid paying heavy medical bills due to unforeseen emergencies, one must get a Texas health insurance plan to cover the costs of prescriptions, medicines, doctor visits, and emergency hospital stays. In our struggling economy, the cost of health insurance is rising day by day. Luckily, state government and insurance companies in Texas have taken a valuable step to maintain the health of masses by dipping the cost of health insurance plan in the state. Texas is a relatively inexpensive state to procure health insurance when compared with “expensive” states such as New York where policies cost much more. One can surely find a Texas health insurance plan in tune with his/her nee