Sometimes residents of Texas who have physical or mental challenges find it difficult to find health insurance. And sometimes even those that do get health insurance in Texas aren't getting the coverage they really need. Some of the problems that disabled people face include outrageous insurance premiums, unreasonable policy cancellations, claims are unjustly or improperly denied. It may often be more difficult for the people who are already dealing with challenges to take this unfair treatment on top of everything else they are dealing with.

Everyone is entitled to the same rights under the law when it comes to health insurance in Texas. In fact, if anything, disabled people are and should be entitled to extra protection under the law. These people have the right to take legal action against any insurance carrier that has not treated them appropriately. Disabled people have every right to the same health benefits as everyone and in some cases even more so.

To be considered "disabled" under the law does not necessarily mean having zero functioning, for example a "legally blind" person may still have some sight, or a physically disabled person may be able to walk with the use of a walker. Being disabled generally means having an impaired ability to see, hear, walk or reason, as a few examples. Sadly, it is far too common for people who already face additional challenges in life because of their disability to also have to deal with discrimination, but when it comes to health insurance in Texas, a disabled person doesn't have to take it.

Sometimes a person with a disability will be labeled by the insurance company as having a "pre-existing medical condition" and may have to pay a higher premium for health insurance in Texas. Some people, however, feel that this is unjust and some have been successful in fighting this in court. Other insurance companies put limitations on what they will and will not cover for the disabled person and they may need to fight for their rights.

Some disabilities don't seem to pose any kind of problem when it comes to getting health insurance in Texas. Vision or hearing loss issues don't always raise the same red flags with the insurance companies that certain other disabilities do.

When it comes to health insurance in Texas, state laws prohibit an insurance company from denying service or claims for a person just because they are disabled. In some cases, the insurance company has proven that covering specific disabilities causes too much loss for them and many disabled people are automatically eligible for Medicaid just based on the type of disability they have. A person who is disabled has the right to receive a written explanation of why they were denied health insurance with a particular insurance company.

The Americans with Disabilities Act was put into place in order to keep disabled people from being discriminated against for things like employment and insurance coverage. Although things have improved in the last ten years, there is still much to be done. Until society comes around and completely eliminates discrimination of all kinds, disabled people will have to continue to fight for their rights, including their right to fair health insurance in Texas.