Dallas health insurance isn’t set up to offer affordable rates to the handicap

Health Insurance Dallas has been lauded for its ability to give millions of uninsured and underinsured Americans the affordable coverage they’ve been looking for. But for people with disabilities — specifically those who are wheelchair-bound — insufficient coverage is a real thing right now and may eventually prevent many Americans from affording the devices they need to live their everyday lives.

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In an interview for LA Times Today, staff writer Emily Alpert-Reyes said the rules about what types of wheelchairs insurance companies cover, are all over the map and the coverage available falls woefully short of covering devices that are really expensive. This includes individuals with health insurance in Dallas. She added this about the situation: “Manual wheelchairs, the kind you push with your arms, ones that would be suitable for everyday use, could range from $3,000 to $5,000. But a motorized wheelchair or a power wheelchair could cost tens of thousands of dollars, potentially as much as $50,000,” Alpert-Reyes said. “Some of the restrictions that these disability rights groups are concerned about are annual dollar caps, a limit of how much you spend annually. Two thousand dollars is not going to cover much if you need a $50,000 wheelchair or even a $17,000 wheelchair. There is also the Home Use Rule. This is the idea that if you can get around your own home but if you want a wheelchair to get to your work or the grocery store, or anything else you might want to do in your daily life, insurance may not cover them.”

Rick Thornton, a Dallas health insurance agent , echoed what was reported in that same article by saying that some wheelchair users are so desperate to get new equipment or make repairs for their existing equipment, that they start GoFundMe pages and even make shoddy repairs on their own just to keep devices in working condition.

Insurance4Dallas, (I4D), helps insure all of Texas, Oklahoma, Arkansas, Arizona, Louisiana, New Mexico, Alabama, Virginia and Florida. Insurance4Dallas provides consumers with detailed information on health insurance with the ability to purchase health insurance online. Insurance4Dallas provides a full spectrum of health, dental, vision, life and ancillary insurance products, providing a diverse selection of price and benefit options complemented by personal customer service. Available via phone, email or fax, Insurance4Dallas answers consumer questions throughout the purchasing process and during the utilization of its health insurance policies.

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Created on Apr 3rd 2022 18:36. Viewed 163 times.

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