Pivot Health Products Available in Texas
In Texas, Pivot Health is pleased to be able to offer quality health insurance coverage options, including the following plans. These choices help consumers in the state of Texas to select insurance coverage that meets their and their family’s needs and budget.
- Short Term Medical Insurance – This temporary health insurance coverage offers comprehensive medical insurance that covers doctor visits, hospital care, urgent care visits and much more. Use any doctor or hospital; no network restrictions. Apply online now and get approval within minutes. If you qualify, coverage can begin within 24 hours or on a date you select.
- Supplemental Insurance Coverage – Cash benefits to pay your medical insurance deductible or coinsurance or other expenses you have during a serious accident or illness. Provides protection for services your primary health insurance plan does not cover. This coverage can be added to your insurance protection package even if you already have an individual major medical plan or a group major medical plan through your employer.
Pivot Health plans also provide extra non-insurance benefits. These include savings on telehealth doctor consultations 24/7, savings on eye care and eyewear and savings on prescription drugs at thousands of pharmacies across the country.
The number of telehealth visits is unlimited. Savings on eye care and eyewear include discounts of 15 percent to 40 percent on eye exams, lenses for eyeglasses, eyeglass frames and contact lenses. Prescription drug savings can be up to 75 percent.
Texas—A Big State with a Big Need for Affordable Health Care
In Texas, there are still millions of people across the state who do not have health insurance and millions of people who need to improve their health and their use of health care opportunities. The state ranks number one in the highest rate of uninsured across the nation.
Although millions in Texas have applied for and purchased health insurance, there are millions that are still uninsured and nearly three-quarters of a million are stuck in the Medicaid coverage gap, where they have fewer choices of insuring themselves and their families. Those in this coverage gap know that their income does not fall within the guidelines for receiving financial assistance for purchasing individual health insurance, but they also have income that is too high to qualify them for the Medicaid health care program.
In addition, a scorecard that compares health and health care across the states of our country shows that Texas has some real challenges to improve the health of its citizens. There are many things that Texans can do themselves to improve their health and better utilize the health care services that may be available to them.
As health care regulation and reform continue to change, Texans need more choices for health care coverage. Pivot Health’s short term health insurance is an important option for many, providing comprehensive coverage at a fraction of the cost of major medical insurance coverage. Pivot Health’s supplemental health insurance provides important coverage for the gaps in coverage caused by the high deductibles and high out-of-pocket maximums that are included in most major medical plans—both individual health plans and employer-sponsored health plans.
The State of Health in Texas
The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Texas an overall ranking of 41 out of 51 (the 50 states plus the District of Columbia). This is the most recent version of the organization’s scorecard of its comparison for states in the U.S. The Commonwealth Fund’s Scorecard rated Texas in several areas, including:
- Uninsured adults aged 19 to 64: 51st ranking (23 percent in Texas, compared to the U.S. average of 13 percent)
- Uninsured children ages 0 to 18: 48th ranking (10 percent, compared to the U.S. average of 5 percent)
- Adults who went without care because of cost in the previous year: 50th ranking (18 percent in Texas, compared to the U.S. average of 13 percent)
- Individuals under age 65 with high out-of-pocket costs relative to annual household income: 27th ranking (15 percent, compared to the U.S. average of 14 percent)
- At-risk adults who did not have a routine doctor visit in the previous two years: 36th ranking (16 percent in Texas, compared to U.S. average of 13 percent)
- Adults that did not visit a dentist in the previous year: 48th ranking (20 percent, compared to U.S. average of 16 percent)
- Adults with age- and gender-appropriate cancer screenings: 40th ranking (64 percent in Texas, compared to the U.S. average of 68 percent)
- Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects: 10th ranking (70 percent, compared to the U.S. average of 68 percent)
- Breast cancer deaths per 100,000 females: 20th ranking (19.8 in Texas, compared to U.S. average of 20.6)
- Colorectal cancer deaths per 100,000 people: 23rd ranking (14.1 percent, compared to the U.S. average of 14.3 percent)
- Suicide deaths per 100,000: 10th ranking (12.2 percent in Texas, compared to U.S. average of 13 percent)
- Adults who report fair or poor health or activity limitations: 23rd ranking (25 percent, compared to the U.S. average of 26 percent)
- Adults who smoke: 9th ranking (15 percent in Texas, compared to the U.S. average of 17 percent)
- Adults who are obese: 40th ranking (33 percent, compared to the U.S. average of 29 percent)
- Children (ages 10-17) who are overweight or obese: 47th ranking (37 percent in Texas, compared to the U.S. average of 31 percent)
- Percent of adults who have lost 6 or more teeth due to decay or disease: 2nd ranking (7 percent, compared to the U.S. average of 10 percent)
Texas had positive rankings in these additional categories:
- Adults receiving age-appropriate vaccines
- Medicare patients whose health provider always listens, explains, shows respect and spends enough time with them
2017 Health Insurance Plans in Texas
The following health insurance companies were offering individual major medical insurance in the state of Texas for the year 2017. Almost all of these insurance companies provide health insurance plans only on a regional basis in the state of Texas:
- Aetna Life Insurance Company
- Allegian Insurance Company
- Blue Cross Blue Shield of Texas (statewide)
- Celtic Insurance Company
- CHRISTUS Health Plan
- Cigna Health and Life Insurance Company
- Cigna HealthCare of Texas, Inc.
- Community First Health Plans
- Community Health Choice, Inc.
- Freedom Life Insurance Company (statewide)
- Humana Health Plan of Texas, Inc.
- Insurance Company of Scott and White
- Memorial Hermann Health Insurance Company
- Memorial Hermann Health Plan
- Molina Healthcare of Texas, Inc.
- National Foundation Life Insurance Company (statewide)
- Oscar Insurance Company of Texas
- Prominence HealthFirst of Texas, Inc.
- Scott and White Health Plan
- Sendero Health Plans, Inc.
- SHA, LLC (dba FirstCare)
- Superior Healthplan, Inc.
- Vista Health Plan, Inc.
Pivot Health offers in Texas
- Short term health insurance
- Supplemental health insurance
Medicaid Enrollment in Texas
Texas is one of 19 U.S. states that has not expanded its Medicaid program for low income people.
The Kaiser Family Foundation estimates there are 684,000 people in the “Medicaid coverage gap” in Texas. These are low income people who do not qualify for tax credits to help them purchase health insurance but who also do not qualify for the Medicaid program in Texas. Temporary health insurance is a solution for people in this Medicaid coverage gap. For those who qualify, it offers them comprehensive coverage, freedom from provider networks that require them to use specific doctors and hospitals and a premium rate that is about half the cost of major medical insurance.
Pivot Health’s short term health insurance is a good fit for these people, and they can apply online and get approved within minutes.
Your Health Care, Your Choice
Health insurance is an important protection for you to have for yourself and your family. Most people do not want to face the financial risk of high medical costs, should they have a serious accident or illness.
Just like insurance on your car, insurance on your health and the health of your family is a “must-have” in today’s world.
There may be changes in health care reform over the coming years, but your needs and your family’s needs for health insurance protection are here to stay, no matter what the decisions made in Washington are.
Pivot Health provides you with more choices and allows you to pivot as your needs change, to be able to purchase the coverage that meets the needs and budget of you and your family.