Having a pre-existing condition can make getting health insurance in Texas very complicated. Unfortunately, some companies will not give you insurance at all if you have a pre-existing condition. Even if you are lucky enough to get the insurance, you will get it at a much higher rate and with a higher deductible because you are considered to be high risk.



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.

There is, unfortunately, a downside to this type of health insurance alternative and that is that it costs twice as much as normal insurance for a couple of reasons. The first is due to the limited number of resources of this type that are available. And the second reason is that people with pre-existing conditions are otherwise uninsurable so the Texas Health Pool has a corner on this market. For people without any other viable alternative for health insurance in Texas this is the best and sometimes their only available option.

The Texas Health Insurance Risk Pool insurance can be used to cover doctor's visits, hospital stays and prescription drug costs. Serious mental health problems can also be covered by this type of health insurance in Texas. The one thing that is covered by most insurance companies that is not covered by the pool is help for chemical dependency issues.

There are guidelines issued by the federal government that dictate who is eligible for this type health insurance coverage in Texas. Another requirement is that your application for health insurance with another insurance company must have been denied due to your pre-existing condition and you will have to produce documentation to prove this when you apply.

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.

A person with a pre-existing condition needs health insurance in Texas more than anyone else and not being able to get it can be frustrating. Fortunately, there is something that can be done. Everyone needs and deserves to have proper health care for a reasonable cost. It is essential that states, like Texas, have programs like the Texas insurance pool in place to allow people with pre-existing conditions to get the quality health care they need and deserve. The implementation of the Texas Health Insurance Risk Pool is likely one of the most significant improvements in Texas, at least as far as health insurance for people with serious needs is concerned.