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Having a pre-existing condition can make getting health insurance in Texas very complicated. Unfortunately, some companies will not give you insurance at all if you have a pre-existing condition. Even if you are lucky enough to get the insurance, you will get it at a much higher rate and with a higher deductible because you are considered to be high risk.

There is something you can do to get health insurance in Texas. There is a group called the Texas Health Insurance Risk Pool, otherwise known as the Texas Health Pool, which can provide health insurance in Texas. This Health Pool is mainly for those who are having a difficult time securing health insurance. This pool also insures those that have a pre-existing condition.

You should note that with this health insurance alternative, you can be charged up to two times the normal rate of individual health insurance. One, because there are not a lot of resources like this in the state. Second, because the pool knows that there are not a lot of resources that would easily provide insurance coverage to the uninsurable; they have found a niche here. So, they know that since this group of people doesn’t have much of a choice for getting health insurance in Texas elsewhere, that they will have to join the pool.

The Texas Health Insurance Risk Pool insurance can be used to cover doctor’s visits, hospital stays and prescription drug costs. Serious mental health problems can also be covered by this type of health insurance in Texas. The one thing that is covered by most insurance companies that is not covered by the pool is help for chemical dependency issues.

In order to get health insurance coverage in Texas for this, you must be defined as eligible according to the guidelines of the federal government. You must also have been denied health insurance coverage or related insurance coverage because of your health (pre-existing condition).

Children of those covered by the risk pool may also be eligible. Certain medical conditions make eligibility for the risk pool automatic because they are known to be difficult or impossible to insure through traditional means. You will need to prove your ineligibility from another insurance carrier before joining the risk pool.

A person with a pre-existing condition needs health insurance in Texas more than anyone else and not being able to get it can be frustrating. Fortunately, there is something that can be done. Everyone needs and deserves to have proper health care for a reasonable cost. It is essential that states, like Texas, have programs like the Texas insurance pool in place to allow people with pre-existing conditions to get the quality health care they need and deserve. The implementation of the Texas Health Insurance Risk Pool is likely one of the most significant improvements in Texas, at least as far as health insurance for people with serious needs is concerned.

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