I get asked all the time regarding Houston Texas health insurance is “What is the truth about pre-existing conditions?”

The truth of the matter is that in some cases of pre-existing conditions the policy will be issued with a waiting period.

And in many cases the policy will be issued with exclusions. This is great news for those people who were thinking they couldn’t get coverage due to a pre-existing condition.

If someone is declined by an insurance company, there are insurance carriers that provide “high-risk” insurance, which is a scheduled plan with limited coverages.

These policies can provided much needed Houston health insurance coverage and combined with discount plans and supplemental insurance.

Just remember there are a lot of myths out there about pre-existing conditions and it’s best to check with a Houston Texas health insurance provider to see what the truth is.

To find the best Houston Texas health insurance go to http://www.HoustonHealthQuote.com for a free houston health insurance price quote.

As we all know now, most of what we thought was going to be health care reform turned out to be health insurance reform.  That reform will manifest itself as a transfer of wealth.  From those of us that produce to those that consume.

The following article from the Baltimore Sun outlines some possible methods that physicians could actually become involved in creating some significant improvements in healthcare:   http://www.baltimoresun.com/news/opinion/oped/bal-op.reform0404,0,3186123.story

A recent report published by the Organization for Economic Co-Operation and Development (OECD) shows the United States spends more on heath care than any other country.  In 2007, U.S. spending was $7,290 per capita, nearly two-and-a-half times the OECD average of $2,984 for other countries, says Sarah McIntosh.

Our current political debate and lack of clarity from our leaders has muddied the waters in terms of what we really have at our disposal.  The fact of the matter is that, we still have quality health care insurance and quality health care delivery here in the United States.  The general public must become more “informed” consumers.  Competition will certainly contribute to improvements in health care delivery, research, hospitals and insurance.

Should you be in the market for an individual insurance policy here in the Houston metro area, be sure to navigate over to the quote link for valuable information!

Five years ago, Gov. Mitch Daniels (R) of Indiana requested that a consumer-directed health insurance option, or Health Savings Account (HSA), be added to the conventional plans then available to state employees.

* In Indiana’s HSA, the state deposits $2,750 per year into an account controlled by the employee, out of which he pays all his health bills; Indiana covers the premium for the plan.
* The intent is that participants will become more cost-conscious and careful about overpayment or overutilization.
* Unused funds in the account — to date some $30 million or about $2,000 per employee and growing fast — are the worker’s permanent property.
* For the very small number of employees (about 6 percent last year) who use their entire account balance, the state shares further health costs up to an out-of-pocket maximum of $8,000, after which the employee is completely protected.

Visit my website for a quote on an HSA for you and your family!

Often times referred to as gap coverage, supplemental plans provide additional protection.  Some of the leading plans are: Critical Care, CancerWise, Accident/Illness, and Disability Income Protection.

These plans are VERY affordable, provide additional protection and fill the gaps that most plans have.

Health insurance pays your hospital and doctor, BUT who pays you when you’re not at work?  Check into a supplemental plan now!

Legal expenses are not “free” in the big picture of health care reform.  In this particular case, a major Houston hospital is defending itself from a group of physicians in a very controversial case.

What ever the outcome of this case, we the people end up paying for the legal expenses in the cost of the health care that is provided to us.

http://www.chron.com/disp/story.mpl/hotstories/6905626.html

The biggest question I get asked all the time regarding Houston health insurance is “Why are health insurance deductibles so high?”

The easiest answer is You have many choices in hospitalization deductibles ranging from as low as $500 to as high as $20,000.  The hospitalization deductible is a method to share the risk. 

The higher you decide to make your deductible, the more risk you are willing to assume, the lower the monthly premium.

This is a way to easily lower your deductible which is good for you, but also you need to be aware you are taking on more risk.

In the event of medical problems, having proper insurance to cover hospital expenses, drug costs, and other related medical fees is a must. In the absence of good health insurance you are at unnecessary risk.

Please consider health insurance when setting your financial priorities, and sleep better at night knowing that you are part of a community of like minded people that guard against unexpected loss.

To find the best Houston health insurance rates go to http://www.HoustonHealthQuote.com for a free health insurance price quote.

Lots of excellent comments regarding the issues of the day and how Congress is handling them.  The health care debate is a big part of this video.

Visit biggovernment.com for some of his views.

As for my views?  I’m sticking with free market policies.  Let small companies work directly with the consumer to provide the health care coverage you are looking for!

Five years ago, Gov. Mitch Daniels (R) of Indiana requested that a consumer-directed health insurance option, or Health Savings Account (HSA), be added to the conventional plans then available to state employees.

* In Indiana’s HSA, the state deposits $2,750 per year into an account controlled by the employee, out of which he pays all his health bills; Indiana covers the premium for the plan.
* The intent is that participants will become more cost-conscious and careful about overpayment or overutilization.
* Unused funds in the account — to date some $30 million or about $2,000 per employee and growing fast — are the worker’s permanent property.
* For the very small number of employees (about 6 percent last year) who use their entire account balance, the state shares further health costs up to an out-of-pocket maximum of $8,000, after which the employee is completely protected.

Check in with me for a quote on individual health or life insurance