My brother lives in Texas, where can I get health insurance for him?
UPDATED: May 1, 2012
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Asked May 1, 2012
There are a lot of health insurance companies licensed to sell coverage in Texas, for both groups and individuals. What you need to do is decide what kind of policy your brother needs, check with the Department of Insurance, and then compare quotes from the different companies available. Before you buy, check the financial score of the insurer to make sure you are dealing with a company you can count on.
Every state is regulated by its own Department of Insurance, and if your brother is having trouble getting coverage, that could be the best source for possible insurers. The Department of Insurance can provide you with a list of insurance companies licensed to sell insurance and the types of insurance they can sell. If there are preexisting conditions involved that prevent him from being covered by traditional insurance, the Department can advise you where to turn for the coverage he needs to have.
Keep in mind, in regards to preexisting conditions that the federal health insurance overhaul will be in force by the year 2014, and many health insurance companies have already adopted the new regulations. Under those laws, group health insurance cannot be denied to someone because of preexisting conditions, which make it possible for people who have never been able to get coverage before to get health insurance.
Try comparing health insurance policies online, which will allow you to compare policy rates from multiple companies side by side. But even after you have found a company that looks like a good deal, check our insurance company reviews and look at the financial score of the companies you are interested in, rated by companies such as A.M. Best and Standard and Poors. These ratings look at the current and long-term financial outlook of insurance companies to help you determine which ones are on stable ground and which ones may be going through problem that could complicate the coverage farther down the line.
Answered May 1, 2012 by Anonymous