By Jessica Farrell
Change is never easy, and amendments to Texas Law have seen
Health Insurance market explode with a multitude of health
options. While more competition is always a good thing, it can
sometimes be very confusing to consumers who want to get the
best deal, but are confused by the sudden array of choice.
There is also the added confusion that not all health plans
have to contain all benefits, meaning you've suddenly got a
whole lot of policies that may or may not contain the things
you need. Insurance carriers still do have full health
insurance plans, but the advantage of this new flexibility is
that consumers can choose which benefits they would like to
for. This means insurance that is tailored to your needs that
won't break the bank with costs for things you don't want or
You now have the choice between State Mandated Plans and
Consumer Choice Plans. Consumer Choice plans will still
things that the State has determined must be included, such as
Alzheimer's and Pregnancy Complications.
The health coverage tax credit program is also available to
help certain individuals pay for insurance, this can make
health insurance much more affordable if you're eligible. If
you're on a pension you're likely to qualify, as well as if
are a displaced worker.
There is also the choice between Fee-for-service plans, and
Managed Care plans. Managed care plans may be cheaper as may
required to go to the health care professionals that the
insurance company dictates, where as Fee-for-service plans
allow you to go anywhere you want.
Another excellent way to save money on your insurance is to
if you can get it as part of a group. Perhaps your employer
offers insurance, or your union. Other associations that offer
the chance to get in on a group plan are churches and
Be smart, look around, and explore your options. That's the
best way to save on health insurance and get a good deal.
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