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Moreover, NICO previous president has testified that Texas Small Group Health Insurance are now using age as a criterion of pricing, thereby doing away with universal premium pricing within the group. This could, in turn, lead to the increased age discrimination in employment. Hunter also reports that member of small groups are increasingly having all preexisting conditions excluded from coverage.
This, Texas Small Group Health Insurance is a shameful state of affairs. People need access to health care, and too often our system of private insurance doesn’t give it to them.
Consumer Alert
One of the most important benefits of employment is often Texas Small Group Health Insurance. Thus, if you are thinking of changing jobs, be sure to check out what your health insurance situation will be if you do so. For example, will there be a waiting period for preexisting conditions? Will the level of protection be better or worse than your old plan? Don’t hesitate to question your prospective employer on health insurance matters.
Medical exams are often not required for Texas Small Group Health Insurance companies, like life insurance companies, usually require a close look into the health of the individual applicant during the underwriting of the application. This can include a physical examination. Group members often are able to obtain insurance without this investigation into their health.
Texas Small Group Health Insurance
Benefits are frequently higher. The negotiating power of a Texas Small Group Health Insurance, especially a large group, often allows members to receive better total benefits at a lower out-of-pocket price, not only in terms of premiums but also with regard to expenses that individuals must pay themselves.
Deductibles are lower. People can afford lower deductibles because the group pays a lower rate overall, and a lower deductible means less money out of your pocket should you need to file a claim.
NOTE: small groups frequently have difficulties similar to individual insurance shoppers. Letters received by the Center for the Study of Responsive Law attest to this fact. Here’s an excerpt from on such letter sent by Richard Darby, of Holmdel, New Jersey:
My wife and a friend currently have a small manufacturing business and applied for group medical insurance. . . . The only medical item reported to them on the application was a small cancerous mole that was removed from my wife’s partners back five years ago. Exams each year have proved negative and still they (Texas Small Group Health Insurance) will not consider anyone in the group {emphasis added}.
…Continued in Texas Life Insurance Company
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