Millions of people in the U.S., and Texas specifically, suffer from mental health issues. Experts say that the U.S. is facing a mental health crisis, with 1 in 25 individuals having serious mental illness. No matter where you may be on the spectrum of mental illness, it’s heartening to know that mental health services fall under regular health insurance in Texas. This is known as "parity," and the protection for policyholders comes from both federal and state-level governance.

Mental Health Services Fall Under Regular Health Insurance

Mental health services are generally covered under health insurance plans in Texas. On a federal level, there is the Mental Health Parity and Addiction Equity Act, which requires insurance companies operating in the U.S. to offer comparable coverage for mental health and addiction services as regular physical health services. On a state level, Texas also mandates that health insurance companies operating in Texas offer mental health benefits, such as counseling, prescription medication, and other, more specific services. Note that your specific coverage may vary, so you should consult with your representative at Insurance over Texas, serving Houston, TX, for details.

It’s important to learn what your policy covers and what it doesn’t cover to avoid unexpected bills that aren’t covered. You may want to consider comparing various policies so that you can be sure you can access the services you need in order to preserve your mental health. At Insurance Over Texas, serving Houston, TX, we offer a range of health insurance policies for individuals and businesses. We’d bgladlyreview all the mental health coverage you can expect with any particular policy.

We look forward to serving your whole health insurance needs! Contact us today to book an appointment!

Navigating Medicare can be tricky, especially when choosing a Medicare supplement policy. At Insurance Over Texas, serving Houston, TX, we’re here to help you make an informed decision. Here are some key factors to consider.

Assess Your Health Care Needs

Start by evaluating your current and future healthcare needs. How often do you visit the doctor? Do you require frequent medical tests or procedures? Understanding your healthcare requirements will help you choose a policy that offers adequate coverage.

Compare Plan Options

Medicare supplement policies come in standardized plans labeled A through N. Each plan provides different levels of coverage. For instance, Plan F offers extensive coverage, while Plans G and N might better suit your needs and budget. Comparing these options is crucial to finding the right fit.

Consider Your Budget

Cost is a significant factor. Premiums can vary widely between plans and insurance companies. Evaluate what you can afford in monthly premiums and consider potential out-of-pocket costs. Balancing coverage benefits with your budget is key to selecting the right policy.

Verify Provider Acceptance

Although Medicare supplement plans generally don’t have network restrictions, confirming that your preferred doctors and hospitals accept the supplement plan is wise. This ensures you continue receiving care from trusted healthcare providers.

Check Their Reputation

Pick an insurance company known for its customer service and financial stability. A reliable insurer ensures a smoother process and peace of mind. At Insurance Over Texas, we pride ourselves on offering top-notch service and dependable Medicare supplement policies.

Selecting the right Medicare supplement policy is essential for meeting your healthcare needs. Contact Insurance Over Texas in Houston, TX, today to discuss your options and find the perfect plan for you.

Navigating the Health Insurance Claim Process

Receiving medical services often necessitates submitting an insurance claim form to be compensated for out-of-pocket expenses. The following is a fundamental guide on how to approach this process. For further support in Houston, TX, reach out to our proficient agents at Insurance Over Texas.

Understanding Your Insurance Policy

The first step is to thoroughly review your insurance paperwork, which stipulates the coverage provided and outlines the cost you are accountable for. The documents also feature important contact information, which can be handy during the claim filing process should any queries or issues arise.

Submitting the Claim

Completing an insurance claim form is mandatory each time you file a claim. Your medical provider will frequently have readily available forms for this process, and some even offer a filing service that includes completing and submitting the paperwork for you. It is advisable to confirm what is available from your medical provider during your appointment.

Record Keeping

Documenting how much you spend on medical services accurately aids in calculating the refund due to you. Storing these records securely, such as a residential safe or lock box, ensures they’re readily available when needed. Adequate knowledge of your health insurance policy simplifies these calculations.

Contacting Insurance Over Texas

After acquainting yourself with your insurance policy and the claim filing process, connect with our agents serving Houston, TX. They can aid in card updating and handle all inquiries you may have about your health insurance coverage.