The Texas Department of Insurance (TDI) is urging consumers to carefully review alternative health plans before purchasing. These types of plans may not be regulated by the state and are not required to comply with federal regulations.
According to TDI, some health plans that offer limited benefits can appear appealing due to their lower cost. However, consumers are encouraged to ask detailed questions about what the plan covers and understand potential out-of-pocket expenses for doctor visits.
TDI points out that alternative health plans differ from those available through HealthCare.gov. Some common examples of alternative health plans include short-term policies and discount medical programs.
To assist in the decision-making process, TDI provides a health plan shopping guide with recommended questions for evaluating options. The department also advises checking consumer reviews of a plan to assess its track record in paying claims and delivering service.
For more information, visit the Texas Department of Insurance website for resources on selecting appropriate coverage.
