The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on group health insurance rates in Texas.
When it comes to health insurance, a group policy is your least expensive option. Even so, health insurance is always going to cost more than we like, so you want to make sure you're getting the best group health insurance rate in Texas.
Finding a Group to Join
Most people obtain their group health coverage through their employers or labor unions. However, if you're unemployed or your employer doesn’t offer health insurance, you may be able to obtain group insurance through another group. For example, you might be able to get insurance through a credit union, fraternal organization, or professional society that you are a member of.
Texas Laws Relating to Group Plans
When you join a group plan, you're protected by the following laws:
* If you're eligible for the plan, the group or insurance company cannot turn you away.
* You cannot be turned away or charged more because of your health status.
* HMOs may not exclude coverage for pre-existing conditions. Other plans can only exclude coverage for pre-existing conditions for up to 12 months, and then only if you received a diagnosis, treatment, or medical advice within the 6 months before you joined that plan.
Finding the Best Rate
Health insurance rates can vary by hundreds of dollars from one company to another. So to get the best rate on your group health insurance in Texas, it's important that you take the time to shop around and compare prices from different insurance companies.
The easiest way to do this is to go to an insurance comparison website. Through such a website, you can obtain quotes from several A-rated insurance companies at one time, allowing you to quickly and easily compare quotes and coverages.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Texas group health insurance rate quotes from top-rated companies and see how much you can save. You can get more tips and advice in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
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