Individual and Family Health Insurance
Affordable health insurance is available for individuals and families.
Health Insurance or Medical Insurance is a binding contract between
an individual, family, or group of families, and an insurance company.
The insurance company agrees to cover certain ailments or conditions
for a contracted premium or payment. Most of our clients agree
that health insurance is necessary to ensure that medical care
is available and the costs are controlled or at least quantifiable
in an emergency situation. The team at Texas Health Design will
help educate your family and empower you to make decisions that
will protect your family when quality healthcare is needed.
Pre-Existing Conditions
Pre-existing health conditions often concern our clients as they
begin shopping for health insurance coverage. Depending
on the seriousness of the condition, a health company can make
four decisions about an applicant.
- An insurance company can simply offer coverage
deciding that the applicant or family is a good fit for the
health plan.
- Second, an insurance company may offer coverage,
but only at an increased price. In insurance industry jargon,
this is called a "rate up". The applicant then can
decide if they want to pay the price for the coverage.
- If a client has one condition that concerns an insurance
company they may offer coverage, but exclude that health
problem. The
client then must determine if obtaining coverage is worth
the monthly premium despite being offered limited coverage.
- Finally, a health insurance company may simply
decline to offer coverage.
If you or a family member has a pre-existing condition, click
the contact us box and we'll guide you through this process. It
is important to remember that each health insurance company has
their own guidelines. We often help applicants that
have been declined at one or more carrier obtain insurance through
a health insurance company that is more apt to accept that specific
health problem. At Texas Health Design we use our experience
and expertise to guide you through the complex process of obtaining
coverage. We can help you apply with the carrier that will most
likely offer coverage.
Maternity Coverage
We are often asked if insurers in Texas offer maternity coverage. The
answer is "YES", but the choices are limited. In fact, there
is now only one major insurance carrier in Texas offering maternity
coverage. Please ask us about adding maternity coverage
to your health plan.
Ask us to examine your current policy or provide you with a free
quote today.
