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Answers to 5 Common Questions About Texas Health Insurance
Posted by nick_niesen on October 29th, 2010
Although Texas ranks the highest among U.S. states in the number of uninsured residents Cheap Philadelphia Eagles Hats , obtaining affordable Texas medical insurance is easier and more affordable than you think. Here are answers to five common questions about getting health insurance in Texas.
1. I'm young and healthy. Why should I spend money for medical insurance that I'll never use?
Having insurance is like carrying an umbrella. You may not need it most of the time, but when there's a torrential downpour you'll be glad you have it. Even young and healthy people have accidents, seasonal illnesses, and sometimes tragic health issues. If you wind up having a serious medical condition, it can become very difficult to obtain Texas medical insurance, or your preexisting condition may be excluded from your coverage. In addition Cheap Philadelphia Eagles T-Shirts , you can get much lower premiums when you're young and healthy, so health insurance provides excellent protection at very little cost.
2. Is there a benefit to using a health insurance agency, as opposed to getting quotes for policies on my own or going through a single agent?
A health insurance agency provides a number of benefits. First, they have established relationships with many, many insurance companies. This means that they have access to all of the best Texas medical insurance plans in the marketplace, while not having a bias toward any single insurer. This is in contrast to some individual agents Cheap Philadelphia Eagles Hoodie , who work on behalf of one or two companies, and who will try and push you to sign up with their company. While you can research various plans on your own, a health insurance agency will do the legwork for you and present you will all available options, at no charge to you.
3. What's the most important feature to consider when buying health insurance?
There are two important features that people often overlook: the lifetime maximum coverage and the maximum out-of-pocket expense. Although your more immediate concerns might be co-payments for doctors' visits and prescription coverage, if you or a family member experiences a catastrophic illness, your overall coverage and out-of-pocket costs are much more crucial. Look for a policy that offers lifetime maximum coverage of $3 million or more Customized Philadelphia Eagles Jersey , and a yearly out-of-pocket maximum in the $2,000 to $3,000 range.
4. Can I trust online comparisons for Texas health insurance?