Quotes Texas

            The most common form of health insurance found in Texas is group insurance offered by employers.  In group health insurance, the company pays for part of the policy and pay for a certain percentage of the monthly premium.  The portion not paid for by the employer is then paid for by the employee, and this amount is usually between 15 to 27 percent. 

            Although with a group plan you have very little say in what benefits you will receive, the benefit of the group plan is that you cannot be denied coverage even if you have preexisting conditions.  A characteristic of a group plan which could either work for or against your advantage is that the premium cost and the coverage quality is not determined by you and your health but rather by the group’s health as a whole and the benefits chosen by your employer.

            Often there is a waiting period for new employees before they can qualify to receive the group insurance provided by the employer.  If you are in this position you may want to purchase a short-term policy to begin when your previous insurance ends and end when your new company’s insurance starts.  The most important factor here is that you are not uninsured for over 63 days.  If you are, your new insurance provider may refuse to cover your pre-existing conditions.  Therefore, if your lapse in insurance coverage by your employers is longer than 63 days, you should definitely purchase a short-term policy.