In Texas can insurance companies reject patients with preexisting conditions?

Yes, insurance companies in Texas can reject patients with preexisting conditions. However, there are some limitations on this practice. For example, insurance companies cannot reject patients with preexisting conditions if they have a group health insurance policy. Additionally, insurance companies cannot charge higher premiums to patients with preexisting conditions.

Here are some of the specific laws in Texas that govern the rejection of patients with preexisting conditions:

* The Texas Health Insurance Risk Pool (HIRP): The HIRP is a state-sponsored program that provides health insurance to people with preexisting conditions who are unable to obtain coverage from a private insurance company.

* The Texas Genetic Non-Discrimination Act: This law prohibits insurance companies from discriminating against individuals based on their genetic information. This includes denying coverage or charging higher premiums to people with a genetic predisposition to certain diseases.

* The Texas Mental Health Parity Act: This law requires insurance companies to provide equal coverage for mental health and substance abuse services as they do for other medical conditions. This includes not denying coverage or charging higher premiums to people with mental health or substance abuse disorders.

If you have a preexisting condition and you are denied health insurance coverage, you may have legal recourse. You should contact a qualified health insurance attorney to discuss your options.