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Health Insurance, Texas?

OK I'm 20 and have a part-time job, I don't have health insurance and don't know much about it. Anyway I mainly doing it to see a docter, to see if I have any problems like adhd, bipolar or whatever, which I THINK I may have. Anyway whats a good/affordable plan if thats all I want to do? Maybe something that will cover prescription drugs, if needed. Also what kind of docter would I see about finding out if I have any of these problems? so many freakin type.......

Public Comments

1. Well, you're asking for a comprehensive type insurance policy, with a low/no deductible, and mental health coverages. You're probably looking at $250 a month for insurance, not counting your deductible and copayments. You'd be talking to a psychiatrist, who might insist on testing you to get that diagnosis. Keep in mind, once you GET one of those diagnosis, you're pretty much going to be uninsurable on private health insurance in Texas, after that. So think long and hard if that's what you really want.
2. To help you narrow down your choices and find the best health insurance plan for your needs and budget, work with an agent. You can find licensed agents online or in your local area, and it doesn’t cost anything extra to work with one. You’ll want to make sure that the plan you settle on covers prescription drugs and mental health care. You’ll also want to take a close look at not only the premiums (that’s how much you pay for coverage each month), but also at copayments, deductibles and co-insurance. Those are other forms of cost-sharing, and an agent can help you understand how they work differently for individual plans. For some tips of health insurance shopping, check out the buyer’s guide we published online: http://www.ehealthinsurance.com/individual-health-insurance/resources/buyers-guide Once you have coverage, you’ll probably want to see a psychiatrist. Depending on the type of coverage you get, you may have to coordinate your care with a primary care physician first, who can then refer you on to see a psychiatrist in your provider network. A couple more things: When considering your options now, make sure that the plan you settle on doesn’t have a waiting period for mental health care. Some plans won’t cover specific types of treatment until you’ve been on the plan for six months or more. An agent can help you keep an eye out for waiting periods when choosing a plan. Also, just so you know, if you are eventually diagnosed with one of the conditions you named, it could make it harder for you to qualify for individual coverage in the future. Until 2014 (when the last bits of the health reform law kick in) you can still be declined individual health insurance coverage for “pre-existing medical conditions.” You’ll want to keep this in mind when shopping for coverage and make that sure you’re happy with the plan you settle on. Unless you end up with employer-based coverage in the future, it may be the only health plan you’ll qualify for a while. Good luck.