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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Texas child with downs syndrome

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: I need to find affordable health benefits for my stepson who has down's syndrome. He has been denied coverage from several agencies because of his pre-existing condition. He is 10 years old. Would he be eligible for basic health insurance in Texas?

A: The best thing you can do to help your stepson is to get him help with enrollment in the Texas open access health plan. It does not make sense to continue to apply to different health insurance companies where he will not meet the eligibility requirements. The complicating issue here is dealing with the various Texas authorities who administrate these various health plans. If you do not have access to local professional help with this enrollment, you may wish to use the paid OnlineAdviser enrollment service. More details are available at the link below. The commercial health insurance product known as "Basic Health Insurance" is not available in Texas and is meant as a supplemental insurance coverage rather than a primary health insurance. In theory all U.S. children have access to health insurance regardless of their medical history through the national program known as "Insure Kids Now". The cost depends on your income and many children in Texas are eligible for free coverage. This program is implemented independently by each state. Texas seems to be struggling to get its act together with regard to co-ordination with federal health care laws lately. The Texas assigned risk health insurance pool has adopted rules which, in some cases, appear to conflict with national programs and cause frustration for some who want to enroll. You may want to gain access to a support group for families with Down Syndrome children since this will help with the many issues that will inevitable come up in the future. Other families have probably found similar difficulties with health insurance and may be able to suggest how to be enrolled with a managed care plan that provides more favorable treatment.


More resources:

OnlineAdviser health plan enrollment support