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Having a pre-existing condition can make getting health insurance in Texas very complicated. Unfortunately, some companies will not give you insurance at all if you have a pre-existing condition. Even if you are lucky enough to get the insurance, you will get it at a much higher rate and with a higher deductible because you are considered to be high risk.

Fortunately, there is an answer for people with pre-existing conditions that need health insurance in Texas. The answer is the Texas Health Insurance Risk Pool, aka the Texas Health Pool, which provides health insurance in Texas for people who might not otherwise be able to qualify. They are a godsend for people who have a pre-existing condition.

The biggest problem with choosing the risk pool for your health insurance in Texas is the cost. Costs twice as much as regular premiums for a few reasons. First, there are very limited resources for this type of insurance, which drives up the cost. Second is that people who opt for the risk pool have no other choices and it is a bit of a monopoly. But, for someone who cannot get insurance through any other method, the risk pool can provide the protection someone with a pre-existing condition needs and their options are limited.

Members of the Texas Health Insurance Risk Pool have coverage similar to more traditional health insurance plans in Texas. They can visit their doctors, be treated for illnesses and go to the hospital for emergencies or surgery. The risk pool also provides care for individuals with serious mental illness. The primary coverage difference is that the risk pool will not cover treatment for substance abuse as most other carriers usually do.

There are guidelines issued by the federal government that dictate who is eligible for this type health insurance coverage in Texas. Another requirement is that your application for health insurance with another insurance company must have been denied due to your pre-existing condition and you will have to produce documentation to prove this when you apply.

Children of those covered by the risk pool may also be eligible. Certain medical conditions make eligibility for the risk pool automatic because they are known to be difficult or impossible to insure through traditional means. You will need to prove your ineligibility from another insurance carrier before joining the risk pool.

It can be overwhelming for someone dealing with a pre-existing condition to have the added stress of being rejected for health insurance in Texas added to their burdens. But, there are resources available to get you the insurance you need when you need it. You deserve adequate, quality healthcare and your pre-existing condition should not preclude from getting it at an affordable price. The risk pool is vital to a state like Texas because it gives people the opportunity to get better care. For people with pre-existing conditions, the availability of insurance through the risk pool has proven to be a significant advancement in healthcare coverage.

Filed under: Health & Fitness