While it might come as a surprise to think you really are able to get cheaper Texas health insurance, the fact is also true that it's out there. All you have to do is be willing to surf the Internet, carefully read what you find and call a Texas health care agent to ask questions.
Not everything you see on a health care insurance website is the gospel truth as you'd like to know it. You are only seeing part of a huge network of people dealing with thousands of variables as they try to quote health care insurance prices to thousands of people - most of whom want the cheapest fix they can get but the best coverage money can buy. Obviously, with so many competing interests, the situation is rather complicated.
Sure, you might find insurance agents that can quote you a price that suits your budget, but when you get to chat about pre-existing health conditions, suddenly the price changes - drastically. So you scratch that carrier and move on to find one who will accept you. You may find one, and their price may be better than the first company you talked to, except they exclude your pre-existing medical condition. This basically means you're no further ahead than you were when you started calling around.
Cut to the chase when you call Texas health insurance agents, and let them know right up front if you have any pre-existing health conditions. This will save you time on the phone and will also tell you who will cover you and who won't. Chances are in the long run, you will need to go with a carrier who will cover you, pre-existing condition and all.
The exclusion of pre-existing health conditions is rather an odd form of discrimination against people with an illness and indicates the insurance company would prefer to only insure healthy people as they're less of a risk. There's food for thought.
Richard Cantu is with Texas Health and Life, a Texas health insurance and Texas life insurance agency. To learn more, visit Texashealthandlife.com.
