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Texas families can find themselves in need of medical care in the blink of an eye. Flooding, wild-fires and the impact of hurricanes can strike with little warning. Add to these natural disasters the typical dangers of living in modern society--crime, accidents, illness and disease--and life for Texas families can be a veritable game of roulette.
Families living in Texas find themselves in the same boat as many of their counterparts who are seeking individual coverage. Family members must worry whether they will be turned down for health coverage due to a medical condition or current medical health. Fortunately, families are treated as individuals when considering eligibility to the state-wide Texas Health Risk Pool. If one member of a family is found eligible to enroll in the Pool, the remaining eligible family members are automatically included in the policy. In addition to the Health Risk Pool, families with incomes up to 200% that of the national poverty level are eligible to enroll in the State's Medicaid program.
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Family Health Care Options in Texas
Those in search of family health care coverage can choose from HMO, PPO or Health Savings Account options, for little more than an individual pays. Although some HMO plans are limited to participants who enroll through their employer, other insurance carriers have stepped up to offer individual and family HMO policies at a slightly higher out-of-pocket cost. The newly popular Health Savings Account plans are particularly beneficial for families, allowing contributors to place up to $5,250 per year in a tax-advantaged account that can then be drawn upon to pay for future medical costs.
While dental and vision coverage is often harder to come by for families, many nationwide discount plans are beginning to surface that offer both dental and vision services (at a 15-20% discount) to families for a relatively low monthly fee.
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