Texas Health Insurance
Health Insurance Overview
Texas residents have many options for health care coverage. There are numerous Texas health insurance providers to choose from, along with a variety of Texas medical insurance plans designed to meet the specific needs of individuals, families and groups.
Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Texas health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Texas medical insurance from the best Texas insurance providers around.
Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Texas health insurance and the range of options available to you. This includes current facts and statisticsabout residents, important state legislation, financial assistance and public Texas health insurance programs, and even details on some of the top Texas insurance providers.
To compare specific Texas medical insurance plans offered by the various Texas insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Texas health insurance needs.
At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Texas health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Texas? Find your state here.
Texas Health Insurance Facts & Statistics
Total Tennessee Residents – 6,293,800
Total Health Insurance Coverage In Tennessee:
Employer – 47%
Individual – 5%
Medicaid – 18%
Medicare – 14%
Other Public – 2%
Uninsured – 14%
Average Individual Monthly Premiums – $204
Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%
Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,031
Average adjusted hospital cost per inpatient day – $1,462
Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/
Texas Medical Insurance Laws, Regulations & Policies
There are several Texas health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state law, Texas insurance providers may not require an exclusion period for a pre-existing health condition for any HMO health plan. Other kinds of plans may require an exclusion period or an elimination rider. Texas insurance providers are allowed to consider pregnancy a pre-existing condition.
State law requires Texas insurance providers to offer at least one plan that covers certain medical services, including:
Texas Health Insurance Resources
Texas Health Insurance High Risk PoolThe Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. The Pre-Existing Condition Insurance Plan (PCIP) in Texas is administered by the federal government and is not a public program. Texas enrollees will have to pay monthly premiums and out-of-pocket costs like normal Texas health insurance plans.
PCIP enrollees pay around the same amount that Texas residents without pre-existing conditions pay on the private health insurance market. Texas enrollees pay a $2,500 deductible for covered benefits before the health insurance benefits kick in. There is also a $25 co-payment for doctor visits and a co-payment for prescription drugs.
Texas residents are eligible for enrollment in the Texas PCIP if they are a United States’ citizen, have been without insurance for six months, and been denied health insurance coverage because of a medical condition. For more information on the Texas health insurance high risk pools visithttp://HealthCare.gov.
To stay up-to-date on the latest health care reform news, visit:http://healthreform.kff.org/
Texas Medical Insurance and Health Care Programs
The state of Texas offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:
Texas Insurance Providers
Aetna Health InsuranceAetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.
Aetna AARP Health InsuranceAetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to more than 787,000 doctors, hospitals and other health care providers.
Assurant Health InsuranceAssurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross and Blue Shield of Texas Health InsuranceBCBS of Texas provides affordable, comprehensive health protection exclusively for residents of Texas.
Celtic Health InsuranceCeltic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Cigna Health InsuranceCIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Companion Life Insurance Company Health InsuranceCompanion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.
Golden Rule Health InsuranceGolden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health InsuranceGreat American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.
Humana Health InsuranceThrough affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.
John Alden Health InsuranceJohn Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.
Scott and White Health InsuranceScott and White launched in January 1982 and has grown to cover 200,000 members in 50 counties in Central Texas. Its mission is to provide the most personalized, comprehensive, quality health care available.
Standard Security Life Health InsuranceThe Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.
Time Insurance Health InsuranceToday, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health InsuranceToday, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Unicare Health InsuranceUnicare is a member of the WellPoint family serving more than 55 million Americans. It provides customized health insurance solutions for a diverse array of needs.
UnitedHealthOne Health InsuranceGolden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.
WorldIns ExpressMed Health InsuranceWorld Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Important Contacts and Links
Texas Department of Insurance and HealthFind the contact Information for the Texas health insurance and health departments at:
Texas Department of Insurance
P.O. Box 149104
Austin, TX 78714-9104
Phone: (512) 463-6169
Texas Department of State Health Services
1100 West 49th Street
Austin, TX 78756
Phone: (888) 963-7111
500 W. South St.
Freeport, IL 61032
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