With so many lives cut prematurely short by heart disease, it makes sense to monitor heart health vigilantly. Did you know that Texas health insurance is now mandated to help? In 2009, Governor Rick Perry signed a bill requiring insurance companies reimburse certain policyholders for CT scans and ultrasound tests to detect heart disease. Middle-aged or older policyholders with diabetes or other risk factors for heart problems are to be reimbursed for these tests up to $20.
Approximately 2.4 million Texans will benefit from this law whose first tests would cost about $480 million. According to Dr. Rita Redberg, this is remarkable that Texas has chosen this path even though Texas leads the nation in the percentage of residents without health insurance.
Texas Health Insurance Covers Preventive Care
If you have an outdated health insurance plan, you might be missing out on a lot. Texas health insurance plans prior to health care reform required you to pay for your own health care until you have met your plan’s deductible. That can be costly especially if you constantly need to monitor your health status.
Current plans sold after March 2010 cover preventive care services with no out-of-pocket costs. If you need to check your blood cholesterol and blood sugar level, you don’t need to pay a deductible, co-insurance or co-pay. Blood cholesterol and blood sugar level tests are used to determine your risk of developing heart problems in the long run. Blood pressure monitoring is even covered.
This particular mandate set by the Affordable Care Act was created to help people avoid illness and improve health with no additional cost to millions of consumers. Research shows that early detection of disease and prompt intervention can result in patients having a high survival and success rate. It can lower medical out-of-pocket costs, too.
Plan holders can now see a doctor without worrying about out-of-pocket costs. You can use this to your advantage especially if you have a high-deductible TX health insurance plan. You don’t have to spend enough just to meet your deductible and get covered. Other preventive care includes immunizations, screening procedures for cancer and other health problems, well-baby checkups from birth to age 21, and counseling on topics such as quitting smoking, losing weight, eating healthy, treating depression, and reducing alcohol use.
To take advantage of this preventive care, you need to be aware that they have a provider list. Meaning, in order to get 100 percent coverage, you must go to a physician within the provider list. You may get these services from an out-of-network provider, but they may charge you a fee. It would really help if you check the provider list before going to a doctor. Be aware that your plan can require you to pay some costs of the office visit, if the preventive service is not the primary purpose of the visit.
In this economic strife that we are facing today, every dollar that can be saved is essential. Finding coverage now would be a good measure to take. In 2014, nearly all U.S. citizens will be required to have health care coverage in place.