Is The High Cost Of Health Insurance Making You Sick?

If you are like millions of other American's - dealing with the High Cost of Health Insurance can be extremely challenging. This site is primarily designed for TEXAS HEALTH INSURANCE products and solutions.

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Individual Health Insurance

Individual Health Insurance is for anyone looking for Health Insurance for an individual, family, or child only health insurance plan. These are generally purchased by those who are UNINSURED, have NO HEALTH INSURANCE AT WORK, WORK HEALTH INSURANCE TOO EXPENSIVE, or the SELF EMPLOYED.

Do I Qualify For Individual Health Insurance?

YOU MUST QUALIFY FOR INDIVIDUAL HEALTH INSURANCE. I will repeat this one more time - YOU MUST QUALIFY FOR INDIVIDUAL HEALTH INSURANCE. Despite what your neighbor, friend or co-work may have told you all Individual Health Insurance is UNDERWRITTEN - meaning they will ask you questions about your health history and determine your INSURABILITY. The fact that you are current insured on your group or individual plan does NOT mean you will automatically qualify for individual Health Insurance.

COMMON REASONS YOUR APPLICATION WILL BE DECLINED INCLUDE: Currently pregnant, Current or recent Cancer, Morbidly Obese, Diabetics, Major Organ Problems, Any Major Chronic Diseases. If this might be you - then you ARE NOT A GOOD CANDIDATE FOR INDIVIDUAL HEALTH INSURANCE

I Am Currently Pregnant - Can I Buy Any Individual Health Insurance?

NO! Please contact me when the child is born so we can hopefully insure the child and yourself, if everyone should qualify. Again there is NO INDIVIDUAL INSURANCE company that is going to accept your application if you are pregnant - in addition EVERYONE IN YOUR HOUSEHOLD is NOT ELIGIBLE as well - except for existing children. I REPEAT IF YOU ARE PREGNANT - YOU CAN NOT BUY INDIVIDUAL HEALTH INSURANCE at this time.

Will My Pre-Existing Condition Be Covered?

MAYBE. I know this sounds cruel but an Individual Health Insurance company is NOT going to pay for your $300 medicine on a $70 a month Health Insurance plan! No one is going to subsidize your Health Insurance needs, sorry. A lot of minor pre-existing conditions are covered, as long as the Insurance company is not losing a ton of money on your membership.

Let me clarify this one more time IT IS HIGHLY UNLIKELY ANY INDIVIDUAL HEALTH INSURANCE COMPANY WILL PAY FOR MEDICINES OR PROBLEMS MORE EXPENSIVE THAN YOUR HEALTH INSURANCE PLAN. I receive a lot of phone calls from people who simply say "If they won't cover my problems - why do I need Health Insurance? - CLICK." If you can qualify for Individual Health Insurance - GET IT. If you want someone to subsidize your pre-existing conditions - you really need to get on a GROUP HEALTH INSURANCE PLAN, through your EMPLOYER, or contact your STATE HIGH RISK POOL.

Can My Pre-Existing Condition Be Excluded?

Yes! In Texas - Health Insurance companies my EXCLUDE pre-existing conditions that would bring risk to their membership or even cause them to lose money on your membership. I represent THREE main companies in Texas - UNICARE, BLUE CROSS / BLUE SHIELD OF TEXAS, AND AETNA. Unicare excludes (also called a waiver) for periods of 2 years, 5 years, 10 years, or forever. Blue Cross Blue Shield of Texas can exclude for 5 years, or forever. Aetna on the other hand is a unique company - they DO NOT DO EXCLUSIONS (or waivers) - they do however have 3 rating tiers, and they do reserve the right to DECLINE your application.

All policies generally have a 12 month waiting period on ANYTHING pre-existing, unless you have had prior GROUP HEALTH INSURANCE coverage within the last 63 days (This is AFTER you make it through underwriting - remember having prior Health Insurance does NOT mean they will accept you or your conditions). AFTER they accept you there is a 12 month waiting period on ANYTHING pre-existing unless you have had prior GROUP HEALTH INSURANCE within the last 63 days - you will receive credit towards this 12 month waiting period. AETNA will accept PRIOR INDIVIDUAL COVERAGE as credible - no one else will to my knowledge.

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