Texas Health Insurance
Consumer Rights under TX State Law
Texas Policy Restrictions
Texas insurance policies are required to automatically
cover all newborns and adopted children for 31 days, if
the policy already covers dependents. It is important
to know that the insured is responsible for adjusting
the insurance policy to continue coverage of the dependant.
Texas insurance policies are guaranteed renewable. No
insurance company can deny a renewal request if the individual
has not violated specified contract terms.
Texas Insurance Company Restrictions
Insurance companies in Texas do no have policies that
are set by the state. This means they can tailor their
policies how they want. Insurance companies can choose
to cover or not cover certain pre-existing medical conditions.
This is called Elimination riders, and can be added to
any policy. They can also set higher premiums based on
current and past health conditions and age.
Texas does not require an insurance company to cover all
pre-existing conditions. The insurance company can permanently
exclude pre-existing conditions. Texas insurance companies
also have the choice to have a grace period before they
pay for pre-existing conditions.
Another option is that they can offer coverage of pre-existing
conditions for a higher premium.
Texas Health insurance companies do offer temporary health
insurance policies. This coverage is not guaranteed renewable.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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