4 Key Features to Look for in Individual Health Insurance in Texas

Health insurance is an important staple in your health and well-being. While some companies offer group health plans as part of their employee benefits package, many people are left to find their own individual health insurance in Texas. Having good health insurance is essential to ensuring your family has access to the medical care it needs. 

Shopping for individual health insurance in Texas can be confusing and sometimes time-consuming. You want to ensure you purchase a plan with all the benefits you need for your family while still being affordable and cost-effective. Here are 4 key features to consider when shopping for individual health insurance in Texas. 

Extensive Network

When you shop for an individual health insurance plan in Texas, you’ll want to make sure that the plan you choose offers an extensive network. It is important to have a variety of doctors, laboratories, clinics, and pharmacies to choose from. Whether it is a matter of convenience or quality, it is essential to ensure you have multiple options to choose from.

A great individual health insurance Texas will give you multiple options when it’s time to seek medical care. Have you ever purchased health coverage only to find out that none of the doctors or pharmacies in your area are in network? It’s disappointing and it’s a hassle to search for or travel to in network providers. As you shop for individual health insurance in Texas, be sure to choose a plan that offers an extensive network with plenty of options. 

Pharmacy Drug Coverage

It’s important for an individual health insurance plan in Texas to offer adequate drug coverage. Nearly 70 percent of Americans take at least one prescription medication daily and those prescriptions can be costly. A good individual health insurance in Texas will ensure consumers have access to the life-saving medications they need.

When shopping for a suitable individual health insurance in Texas, be sure to purchase a plan which offers the prescription drug coverage your family needs. If you are taking medications, you can often find out if those specific medicines are covered under the plan you are considering. It helps to ask these questions before you purchase an individual health insurance in Texas. 

Preventative Care Coverage

The goal of individual health insurance in Texas is to ensure you and your family have access to the vital medical care you need as well as to improve and maintain your family’s health. There are many medical tests and procedures which are considered preventative care because they are designed to identify potential health issues in their early stages. 

For instance, an annual wellness check or immunizations are considered preventative care. Many individual health insurance in Texas plans will cover the cost of preventative care at 100 percent. This is not always the case, but you do want to ensure that the cost of preventative care is included in the plan you choose to purchase.

Affordable Copayments and Co-insurance

Copayments and co-insurance are part of any individual health insurance in Texas, so you want to ensure they are affordable for your family. Many people focus on the premiums and the deductibles when shopping for individual health insurance in Texas and forget to ask about copayments and co-insurance. The copayments and co-insurance are both elements that you will be responsible for out of pocket. 

Copayments are usually a flat fee that the consumer pays when visiting a provider or picking up a prescription. For instance, you may have a $30 copay when you see your primary care provider and a $10 copay for generic prescriptions. Co-insurance is the amount you are responsible for after insurance has paid its part. If an insurance policy pays 80 percent of the contracted amount for a visit to your primary care provider, then the co-insurance you are responsible for is 20 percent.

Purchase Great Individual Health Insurance in Texas Today

If you are in the market for insurance for you and your family, it helps to know what to look for. Be sure to find a plan with an extensive network, good prescription coverage, and preventative care coverage. You’ll also want to ensure that the copayments and co-insurance amounts are reasonable and affordable for your family. Individual health insurance in Texas is vital to your family’s health and well-being, so you don’t want to be without it. If your family does not currently have a health plan, consider purchasing individual health insurance in Texas today.