Choosing a health care policy when you have a pre-existing condition

If you are resident in the greater Houston, TX metro area and need health insurance, Modern Risk Management is here for you. Our team can help you select the right policy for your needs, even if you have a pre-existing condition. Call our office today and set up an appointment to learn more.

How to find a good health care policy when you have a pre-existing condition

Finding the right health insurance policy to meet your needs can often feel like an uphill battle! This is even more true when you are dealing with a pre-existing condition.

The best way to find the policy that will best meet your needs is to sit down with a local agent. When you can discuss your concerns with a live person sitting across from you, the chances that you will get the policy you need are much greater than trying to find something workable online.

Health insurance is often our greatest expense after housing costs. Make sure that your money is well-spent and that you are getting the protection you need. When you have a pre-existing condition, you need to work with someone who has a deep understanding of all of the available options. 

Experienced agents are able to break down your options in a way that is easy to understand. This can make the health insurance policy selection process a lot less stressful!

Learn more about your options today!

Modern Risk Management is here to help residents in the Houston, TX area with all of their insurance needs. If you need to find out more about health care options available for people with pre-existing conditions, give our office a call today!

An Intro to Health Insurance

If your employer does not provide health coverage, you must legally purchase your own. Modern Risk Management serving Houston, TX can help you find the appropriate health coverage if you do not qualify for government-provided benefits.

Health insurance, also called medical coverage, pays for a portion of the healthcare services you access. This can include emergency room visits, hospital stays, doctors’ visits, physical therapy, etc. Healthcare creates one of the largest unexpected expenses, and it can help cover these emergencies and pay for anticipated costs like annual exams. In exchange for this coverage, you pay monthly premiums.

Some types of expenses require you to pay a deductible. This out-of-pocket cost you must pay before the health insurance kicks in. Other items, such as annual exams, require a co-pay. This small payment usually costs less than $50 and often falls below $20.

A variety of insurance types provide different levels of coverage. Besides the government-provided Medicare/Medicaid, you will find four types of network health plans:

  • Exclusive Provider Organization (EPO),
  • Health Maintenance Organization (HMO),
  • Point of Service Plan (POS),
  • Preferred Provider Organization (PPO).

Some of these plan types let you choose your own doctor within the plan or outside it. Others mandate that you must choose a doctor within those in the plan. Plans also vary on whether you can see a specialist without a referral. Finding the right health plan takes time and effort.

Let Modern Risk Management serving Houston, TX, and its surrounding areas help you determine which plan type works best for you. We can help you assess your healthcare needs and choose a plan that provides both the needed coverage and reasonable premiums.