All you need to Know about Health Insurance Policies in Texas
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The phrase “health is wealth” may sound cliche; however, the significance of this statement can’t be undermined.
In fact, it has been found that one in every four Texas residents don’t have a health insurance plan. It’s important that you take all of the necessary steps to ensure that your loved ones are healthy. To the relief of many, the health care reforms introduced by President Obama will provide a plethora of benefits to the uninsured in Texas. Due to the amendments made to Federal law (January 2014), insurance companies are no longer able to deny health coverage, or charge you more based on the condition of your health. This law became effective in January 2014.
Choice Plus Benefits aims to provide people with affordable health insurance policies in Texas. Established in the year 1997, our company strives to help you explore the innumerable options that are available to you when it comes to health insurance.
Types of Health Insurance Plans
Bronze, Silver, Gold and Platinum are the four main types of health insurance plans that are available under the Healthcare Affordability Act. These are also known as “Metal Plans”, and they represent the four tiers of coverage. Apart from these four basic types of plans, people who have not yet turned 30 and that qualify for hardship exemptions may opt for a “catastrophic” health plan. These plans have low premiums but high out-of-pocket costs.
People also have the choice of opting for private health plans under ObamaCare, plans that are offered through a broker or healthcare provider. One can also qualify for government-based insurance plans like Medicare or Medicaid.
Choice Plus Benefits makes it easier for you to get health insurance. Prescription coverage, outpatient coverage, full accident coverage and family coverage are some of the benefits that are provided under our health insurance plans. Our dedicated insurance agents will assist you through the selection process.
The Importance of Health Insurance Policies
Health insurance policies will offer you a lot of financial benefits, especially if anyone in the family suffers from a serious illness. It also provides you peace of mind. People who opt for health insurance policies can afford the type of treatment that’s required in case a serious illness strikes.
Prior to choosing a health insurance policy, be sure that you understand that insurance coverage requirements may not be the same for everyone. Every individual has his/her own medical needs, which are different from others. This is the reason why it is important to choose an insurance policy that will appropriately meet your medical condition. It is also necessary to consider the amount of premiums that you will need to pay and the benefits that the insurance plan will offer.