Texas Health Insurance

Texas Risk Pool For Those Denied Health Insurance

Texas Risk Pool For Those Denied Health Insurance

Texas Risk Health Pool (Pool) coverage may be the answer if other health insurance carriers have declined to insurance an applicant.

The Texas Health Pool or otherwise referred to as the Risk Pool – for obvious reasons – is a complex beast. For information, the various available options, exclusions, pre-existing conditions and eligibility rules, make a call to your local insurance agent.

They’re trained to provide needed information in minutes, instead of an client taking hours to try and figure out what will work and what won’t. This applies with any insurance program under consideration, but the Risk Pool is a slightly different kettle of fish.

Basically a person is eligible for Pool coverage if they’re under 65, live in Texas, and are a US citizen or a permanent resident of the US for at least 3 continuous years. To apply, an applicant needs to provide the Pool with proof of one of the following things:

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Refusal by an insurance company to issue individual health benefit plan coverage because of health conditions
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A certified statement from an insurance agent that says they can’t insure with any state licensed insurance company due to health conditions
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An offer by an insurance company to issue coverage that excludes a medical condition(s)
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A diagnosis of the substantial list of qualifying medical conditions to be accepted into the Pool. This list is online.

There are other eligibility criteria that deal with HIPAA categories that may also suit particular situations. Dependents are also eligible for Pool coverage too. Of course there are also factors that would disqualify a candidate for the Pool – for instance if there is other effective health insurance on the date Pool coverage would kick in.

There are honestly so many different options to consider, it’s best to discuss situations with a qualified health insurance agent who understands what is needed.

To learn more, visit http://www.texashealthandlife.com.