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Understanding Insurance
Feature Article

Frequently Asked Questions

Has an insurance agent or company ever left you wondering, "What does that mean?" You are not the only one. So much so that the Texas Department of Insurance has put together a Glossary of Terms and FAQs. The TDI has been kind enough to make this information public in order to help people understand insurance.

Health coverage basics:

1. What are the basic types of health coverage available?
2. Do employers have to provide health care coverage?
3. Do insurance companies and HMOs have to accept everyone?
4. My premiums keep going up. What can I do?

Medical issues:

5. What if I currently have a medical problem or have had one in the past?
6. What should I know about coverage for AIDS or HIV?

Shopping for Coverage:

7. What are some questions I should ask when evaluating a health care plan?
8. Do I need more than one health policy?

The Claims Process:

9. Does my health benefit plan have to pay claims promptly?
10. Do I get an explanation if the insurer refuses to pay my claim?
11. What should I do if my claim is rejected or I´m not reimbursed properly?
12. How can I file a formal complaint with TDI?

"FAQ"
Texas Department of Insurance, (10 Aug. 2006)
http://www.tdi.state.tx.u
<http://www.tdi.state.tx.us/faq/>





 
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