Recently, it was in the news that a health coverage agency in Texas had discriminated against those with AIDS and other health problems. However, if you remember that every health assurance makes you go through a prior health checkup and that you would have to be completely healthy in order to avail of it, you would not bicker about it at all.
So, here are the things that you would need to know about Houston group health insurance:
You have to be healthy
The first criterion that you would need to fulfil in order to get access to a crowd assurance policy through your employer is that you would need to go through a prior health checkup. If you do not go through such a medical inspection, you will not be allowed to take a policy in the first place. It does not matter which agency is offering you the coverage; you would still have to make sure that you are completely healthy. If you do not produce a health certificate, it might be like duping your own employer by falsely stating that you have certain health problems. The policy is only for your future use and not for your pre-existing health conditions.
The laws do not discriminate against you
If you produce a health certificate, the laws will also go in your favor. Even if the laws of the United States of America state that there should be no discrimination against anyone under the Affordable Care Act, your employers and health assurance agency will have a different law altogether in order to provide you with the necessary health care. It does not imply that you are being discriminated against but that you would become ineligible for an assurance plan if you have certain pre-existing health conditions. Discrimination is done only when the agency deliberately denies you health coverage for certain health situations.
You can always file a lawsuit against the agency
If you feel that you are being discriminated against by the Houston group health insurance agency, you can always file a lawsuit against it. However, it does not always mean that you will get access to the cover if you do not win the case. Certain drugs are not covered under some policies according to the laws that they have created. Therefore, you would not get assured under the crowd plan if you are having certain pre-existing health situations. In other words, you can always demand justice, but it is not necessary that you would get it if you are found cheating on your employer by fabricating health conditions.
Nonetheless, if you are genuinely having certain problems, you can always approach the law and find out for yourself whether or not you are going to be eligible for the policy. Ask your employer as to why you have been excluded from the cover just in case you have been found to be ineligible for the same beforehand so that you are not in trouble with the law.
