Health Insurance

Most insured Texans are covered by private insurance, or through government programs like Medicare (for the elderly), Medicaid (for low-income pregnant women and children), the Children’s Health Insurance Program (for children whose families’ incomes exceed Medicaid limits) or a county’s program for poor residents. Slightly more than half of Texas employers offer health care coverage to their employees.

The Texas Department of Insurance has an online brochure, Your Health Care Coverage, which provides general information about health care coverage available in Texas. If you have insurance, your health plan’s policy or benefits booklet has detailed information about covered services, networks and your responsibilities for payment. Certain terms are defined in the “Basic Health Coverage Terms” section.

You should contact your health plan if you have questions about your coverage and out-of-pocket costs.

If you want to speak to someone in person regarding health insurance, call TDI’s Consumer Helpline toll-free at 800/252-3439.