Texas Group Health Insurance
As you may already know, health insurance is an essential part of everyday life. With the prices of services rising constantly and the cost of health care expected to rise over 30% by 2020, many people are now looking for alternatives. One alternative is a group health insurance plan that offers large discounts on coverage with no restrictions on pre-existing conditions and no limits on what treatments or procedures you can access.
Texas Group Health Insurance plans have been popular in Texas since 2010 due to their low cost and they have grown in popularity as more people move into Texas especially from neighboring states without such plans. Group health plans also offer peace of mind with a network of doctors and hospitals that you can use to receive any procedure or treatment, even if it is not covered by your plan.
In order to understand the affordability of a Texas Group Health Insurance Plan you must first look at the traditional medical insurance plans. A traditional medical plan is usually sold directly from an insurance provider at prices anywhere from $200 to $400 per month, depending on your age and location. These plans will often have high deductibles before any benefits are paid and will also charge co-pays for anything outside of the coverage provided by the plan. If you have certain pre-existing conditions, your coverage may be denied completely or limited in scope.
If you are looking for a new Texas Group Health Insurance plan, there are three things you should look at:
1. How much the average cost of medical care will be in your area. For example, if one hospital is charging $50,000 for childbirth and a cheaper hospital is charging only $10,000 for the same procedure, then you will save a lot of money by choosing the cheaper option.
2. What the average cost of services will cost in your plan. If the plan offers a $10,000 deductible before any medical care is covered, then you will have to pay $10,000 out of pocket before you receive any benefits from the plan.
3. What level of coverage you can receive and what procedures are excluded or restricted by your plan. Sometimes plans may have a fee structure that charges you more for certain services, procedures or treatments than others charges regardless of the amount paid by your insurance provider for that service or treatment. For example, some plans may charge more money for cosmetic surgery than for gastric bypass surgery even though they both cost about the same amount.
The following is a list of medical coverageTexas Group Health Insurance plans available in Texas:
Cigna, Blue Cross Blue Shield, UnitedHealthcare, Aetna and Humana are the only health insurance providers in Texas currently offering Texas Group Health Insurance plans. The following is a list of their plans:
1. Cigna - TX CHIP Class C - $0 Deductible - TX CHIP Enrollment Request Service (TX-CIGNA)
2. CIGNA - TX CHIP Class C - $0 Deductible - TX CHIP with Cigna Health Spring (TX-CIGNA)
3. UnitedHealthcare (UHC) - Traditional Choice Plus Plan of Texas (TX-UHC)
4. Aetna - Aetna Plus HMO of Texas (TX-AETNA)
5. Humana - HMO Texas Select PPO Plan W/O EPSDT and HMO Texas Select PPO Plan with EPSDT (TX-HUMANA)
6. Humana - HMO Texas Select PPO Plan with EPSDT and HMO Texas Select PPO Plus with EPSDT (TX-HUMANA)
7. Humana - HMO Texas Select PPO Plus with EPSDT (TX-HUMANA)
8. Humana - HMO Texas Select PPO Plan W/O EPSDT (TX-HUMANA)
9. Humana - Early Fawcett Care Texas Aetna Select Rx Plan (TX-HUMANA)
These plans are all available in the state of Texas as Group Health Insurance Plans and offer no limits on pre-existing conditions or procedures, and do not require any co-pays for most services.
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Conclusion
It is important to first discuss the different types of medical insurance with your doctor or a financial planner before deciding on a specific plan. There are a wide variety of plans available in the United States, some with more benefits than others and some with higher deductibles and premiums. It is important to determine what your medical needs will be over the next year or so in order to choose a plan that can not only cover these current needs but also provide you with enough coverage for future medical expenses.
Health Insurance Comparison Guide - Best Health Insurance Plans
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