Are you planning to settle in Texas? Or did you just moved to Texas? Or perhaps are you a Texan looking for the perfect health insurance in Houston, health insurance in Dallas, or even the famous Fort Worth Health insurance? Having a health insurance is a basic need for any citizen like food and shelter. Health insurance gives you security in case you get sick and saves money from all those medical bills. Texas has many health insurance companies like Celtic, Blue Cross Blue Shield, AETNA, UNI CARE, and United Healthcare. This article educates you on what health insurance to enroll in and how to get a health insurance in Texas.

First, get a job. Companies offer health insurance to their employees even to part-time staffs. Texas health insurance is the most common privileges that a Texan company offers. With this, your company will share the payments for your health insurance. Likewise, this type health insurance not just covers you but extends to your spouse and children. Lastly, employer-sponsored health insurance is cheaper than individual health plans.

On the other side of the road, are you a Texan that just lost his/her job. To continue your Texas health insurance you have to check if you are still eligible and covered under COBRA or the Consolidated Omnibus Budget Reconciliation Act of 1986. This Act states that your health insurance offered by your former employer will still continue for 18 months. Eighteen months is enough for you to find another employer to shoulder your health insurance.

The state of Texas provides continuation rights for its constituents’ health insurance. In case you are no longer covered with COBRA, this right will extend your health insurance for six months. Texas also has its Texas Health Insurance Risk Pool for those who are no longer covered with COBRA or the continuation rights.

For individuals who prefer to get an Individual Health Insurance, you need to do some research. You have to know your needs, preferences and how much you are willing to pay for a health insurance. Your lifestyle is also a factor in choosing your health insurance plan.

You have to check their coverage. Some health plans limits the doctors that you can visit and hospitals to be confined. This health plan gives you a list of accredited doctors, hospitals or clinics to clinic. The good side for this type of plan is that is cheaper compared to other health plans. The bad side is what if you most trusted and favorite doctor is not one of the affiliated doctors? Then you must ask first for the complete and updated list of doctors and hospitals before signing in. If unlucky, you can always try to check other health insurance providers. Your preferred doctor and hospital may be in their list.

Next, you have to check the coverage of the plan. You ask the following before signing up:

Is maternity covered?
What rooms can you avail?
What dental services can you get for free?
Is laboratory included? How about Medicine?
How about refunds? In case you have to cash out for medicines or other things.


Which one is better? As I have explained above, you have to find that works best and fits your lifestyle and status. You have to match yourself from the plan that you have especially if you are in an individual health insurance.

To end up, to maximize the benefits from a Texas health insurance, you have to do your research, ask around and welcome feedbacks from clients.