What About Texas Health Insurance For The Disabled
In the state of Texas, there are a small percentage of residents that are physically or mentally challenged. Because of that, they have a hard time getting health insurance. Plus, there are additional issues that they face with getting health insurance in Texas. Some of the issues include costly insurance premiums, numerous policy cancellations, and numerous claims that don't get paid and refusing to have their policies renewed.
Everyone is entitled to the same rights under the law when it comes to health insurance in Texas. In fact, if anything, disabled people are and should be entitled to extra protection under the law. These people have the right to take legal action against any insurance carrier that has not treated them appropriately. Disabled people have every right to the same health benefits as everyone and in some cases even more so.
To be considered "disabled" under the law does not necessarily mean having zero functioning, for example a "legally blind" person may still have some sight, or a physically disabled person may be able to walk with the use of a walker. Being disabled generally means having an impaired ability to see, hear, walk or reason, as a few examples. Sadly, it is far too common for people who already face additional challenges in life because of their disability to also have to deal with discrimination, but when it comes to health insurance in Texas, a disabled person doesn't have to take it.
To add insult to injury, some insurance companies will classify a disability as a pre-existing condition so they can legally deny coverage to disabled members. These individuals usually also pay higher premiums for their health insurance in Texas. Many people consider this unfair and unjust and there have even been court cases attempting to get the laws changed so they better favor the disabled individuals.
While some disabilities render an individual virtually impossible to insure, others have little, if any impact on the person seeking health insurance in Texas. Though they can have a significant affect on day-to-day life, vision and hearing losses are not deal breakers from an insurance standpoint.
Though there are specific laws to prevent discrimination against the disabled, it does not ensure their fair treatment when looking for health insurance in Texas. Insurance companies look for loop holes in the laws to get around covering the disabled or to deny their claims once services are rendered so they can control costs and protect profits. When traditional insurance is unavailable or unattainable, some disabled people qualify for Medicaid and Medicare. And, when a claim is denied by any health insurance provider the law requires the insurer provide a written explanation about why the treatment or service was not covered.
To help combat the discrimination against people with disabilities, the federal government enacted the Americans with Disabilities Act. ADA regulations provide specific safeguards to prevent people with disabilities from experiencing discrimination in the areas of employment, health insurance and accessibility. Even with these guidelines and other progress made in the past ten years, the disabled are still not getting the equal treatment they deserve. Disabled people, like many other minority groups, must continue to fight for their rights regarding health insurance in Texas even as the laws change to help them further. - 23211
Everyone is entitled to the same rights under the law when it comes to health insurance in Texas. In fact, if anything, disabled people are and should be entitled to extra protection under the law. These people have the right to take legal action against any insurance carrier that has not treated them appropriately. Disabled people have every right to the same health benefits as everyone and in some cases even more so.
To be considered "disabled" under the law does not necessarily mean having zero functioning, for example a "legally blind" person may still have some sight, or a physically disabled person may be able to walk with the use of a walker. Being disabled generally means having an impaired ability to see, hear, walk or reason, as a few examples. Sadly, it is far too common for people who already face additional challenges in life because of their disability to also have to deal with discrimination, but when it comes to health insurance in Texas, a disabled person doesn't have to take it.
To add insult to injury, some insurance companies will classify a disability as a pre-existing condition so they can legally deny coverage to disabled members. These individuals usually also pay higher premiums for their health insurance in Texas. Many people consider this unfair and unjust and there have even been court cases attempting to get the laws changed so they better favor the disabled individuals.
While some disabilities render an individual virtually impossible to insure, others have little, if any impact on the person seeking health insurance in Texas. Though they can have a significant affect on day-to-day life, vision and hearing losses are not deal breakers from an insurance standpoint.
Though there are specific laws to prevent discrimination against the disabled, it does not ensure their fair treatment when looking for health insurance in Texas. Insurance companies look for loop holes in the laws to get around covering the disabled or to deny their claims once services are rendered so they can control costs and protect profits. When traditional insurance is unavailable or unattainable, some disabled people qualify for Medicaid and Medicare. And, when a claim is denied by any health insurance provider the law requires the insurer provide a written explanation about why the treatment or service was not covered.
To help combat the discrimination against people with disabilities, the federal government enacted the Americans with Disabilities Act. ADA regulations provide specific safeguards to prevent people with disabilities from experiencing discrimination in the areas of employment, health insurance and accessibility. Even with these guidelines and other progress made in the past ten years, the disabled are still not getting the equal treatment they deserve. Disabled people, like many other minority groups, must continue to fight for their rights regarding health insurance in Texas even as the laws change to help them further. - 23211
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If you are disabled and want texas health insurance coverage, we hope that this article helped. In addition, you can get your own texas health insurance quote and best of all its free. Good luck.
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