Why Can’t I Get Health Insurance in Texas on Just My Children?
Posted on January 31, 2012 by Charles F Peeler Jr
Before the passage of health care reform, it was possible to get a quality health insurance policy for just your children. For many struggling families, this was an option that provided relief from the rising costs of health care premiums and a way to ensure that your family was protected in the event they needed medical care. Today, everything is different and unfortunately, there are no companies that offer health insurance in Texas on just children. If you’re looking for quality health care coverage for your child, you’re simply going to have to cover yourself as well.
Leaving Insurance Companies No Choice
Who would argue that we shouldn’t do everything as a nation to protect our children medically? Health insurance for kids is simply a matter of good moral judgment and something that most responsible adults strive for. Nevertheless, provisions of the new health care bill make insuring children more difficult. It’s true that all insurance companies that offer insurance to children must approve any applicant regardless of their health and also have no pre-existing condition clauses in the policy. However, the law does not require all companies to provide health insurance to children- and that’s the problem.
What’s happened is not the insurance companies fault. In fact, they are merely responding to poor policy that made it tough for them to survive. Because of the new law, some folks were choosing not to cover their children until something tragic happened. At that point, they ran to the insurance companies for coverage who were required to insure them AND cover any and all health conditions the child may have from day one. This loophole makes running a business almost impossible and left the insurance companies with no choice but to protect themselves. As a result, health insurance in Texas for children only is no longer available and in order to insure a child, an adult must be on the plan as well.
The Good News
There is some good news to all of this. It is still possible to get a quality medical coverage in Texas for yourself and your children. In fact, with a few good choices available, it’s easy to get the coverage you need at an affordable price. Major carriers offer plans that take into consideration the needs of children and the frequency with which they need to visit the doctor. Luckily, there are several options to choose from, making finding the right plan simple and convenient.
When deciding on a company, consider those that have earned the trust and respect of Texans by providing years of quality coverage and great service. Humana Health, Blue Cross Blue Shield of Texas and Cigna are companies that have worked hard to build a reputation around dependability and reliability.
Finding reliable health coverage for your child shouldn’t be so confusing. On account of changes in the law, you can no longer buy a child-only policy. However, you can still find quality coverage at an affordable rate. Consider talking to an agent and stay with household names that you know and trust. The right Texas health insurance is available; you simply need to know where to look.
Posted in Uncategorized | 0 Comment