Change is never easy, but because of changes to Texas law, the market for health insurance has exploded, and there are now a lot of different plans to choose from. Even though more competition is always a good thing, it can be hard for customers to find the best deal when they have so many options all at once.
There's also the fact that not all health plans have to include all benefits, which makes things even more confusing. Suddenly, you have a lot of plans that may or may not cover...
Change is never easy, but because of changes to Texas law, the market for health insurance has exploded, and there are now a lot of different plans to choose from. Even though more competition is always a good thing, it can be hard for customers to find the best deal when they have so many options all at once.
There's also the fact that not all health plans have to include all benefits, which makes things even more confusing. Suddenly, you have a lot of policies that may or may not have what you need. Full health insurance plans are still available from insurance companies, but with this new freedom, customers can choose which benefits they want to pay for. This means that you need insurance that fits your needs and doesn't cost too much for things you don't want or need.
You can now choose between plans that the state has to offer or plans that you can pick yourself. Consumer Choice plans will still cover things that the State says must be covered, like Alzheimer's and complications during pregnancy.
The Health Coverage Tax Credit programme can also help some people pay for health insurance. If you qualify, this can make health insurance much cheaper. You are likely to qualify if you are on a pension or if you lost your job.
There are also Fee-for-service plans and Managed Care plans to choose from. Managed care plans may be cheaper because you have to go to the doctors and hospitals that your insurance company chooses. Fee-for-service plans, on the other hand, let you go wherever you want.
See if you can get your insurance through a group. This is another great way to save money on insurance. Maybe your employer or union can help you get insurance. Churches and professional organisations are two more groups that offer the chance to join a group plan.
Be smart, look around, and think about what you can do. That's the best way to save money and get a good deal on health insurance.
