It can be difficult to get health insurance in Texas if you have a pre-existing condition. In fact, there are some health insurance companies that will not take you if you put that on your insurance application. Or, if you are accepted for health insurance, you will have to pay more because the health insurance company is taking a risk on providing you with health coverage.



Fortunately, there is an answer for people with pre-existing conditions that need health insurance in Texas. The answer is the Texas Health Insurance Risk Pool, aka the Texas Health Pool, which provides health insurance in Texas for people who might not otherwise be able to qualify. They are a godsend for people who 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 pool insurance coverage is used for inpatient hospital admissions, doctor visits and prescription drugs. In addition to that, this health insurance in Texas will pay for mental illness situations (serious ones); However, one exclusion of this state coverage is the pool will not provide coverage 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).

Dependents of people who are covered with health insurance in Texas by Texas Health Pool may also be eligible for this type of insurance coverage. There are also certain types of medical conditions that will automatically qualify you for coverage in the pool. You will need to provide documentation from a health insurance agency that would prove your inability to get coverage through the traditional insurance companies.

It can be overwhelming for someone dealing with a pre-existing condition to have the added stress of being rejected for health insurance in Texas added to their burdens. But, there are resources available to get you the insurance you need when you need it. You deserve adequate, quality healthcare and your pre-existing condition should not preclude from getting it at an affordable price. The risk pool is vital to a state like Texas because it gives people the opportunity to get better care. For people with pre-existing conditions, the availability of insurance through the risk pool has proven to be a significant advancement in healthcare coverage.