How Life’s Changes Can Affect Health Insurance
You may already know that individual PPO plans are no longer available in Texas. In some cases, solo and small practice owners may qualify for Group PPO health insurance as a "Group Of One". See if you qualify for this group coverage as an individual. If you don't own a practice and need Health Insurance, please keep reading.
If you are looking for comprehensive coverage for you and your family, there are two enrollment periods each year when you can shop for health insurance plans. Although the Annual Open Enrollment period (November 1- December 15) has ended, you may still qualify for a Special Enrollment Period.
But even if you don't qualify for a Special Enrollment Period, there are other health coverage options that may work for you.
To be eligible for a Special Enrollment Period, you must have had a qualifying "life event" within the past 60 days. Common qualifying life events include:
If you do not qualify for a Special Enrollment Period, you may want to consider short term health insurance. These plans are considered catastrophic coverage and provide some limited protection in the event of a serious illness or accident. However they usually do not cover preventive care, prescription medication or pre-existing conditions.
Other types of health insurance you can purchase at any time include accident insurance, critical illness plans and supplemental hospital plans. These plans are less expensive than major medical insurance but there are several limitations and they only cover qualifying illnesses or injuries.
If you believe you qualify for a Special Enrollment Period, there are two ways to apply. Fill out the form below and one of our health insurance advisors will contact you. You can also enroll online through Blue Cross Blue Shield of Texas. Click below to go to the enrollment website.
If you are interested in one of the other, more limited forms of health insurance, please contact one of our health insurance advisors for a free consultation.
If you qualify for a Special Enrollment Period and would like an individual HMO plan for yourself and your family, you can enroll online through Blue Cross Blue Shield of Texas. Click below to go to the enrollment website.
Our health insurance advisors are available weekdays from 7:30 a.m. to 5:30 p.m. CST to answer your questions, review your options and help you get the coverage you need. Call us at 1-800-880-8181.Click to Call