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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Guaranteed Options for Children in Texas

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Question: My ex wife and son live in Texas and I've been told by the court to get health insurance for my son. he has PDD NOS so I cant get regular insurance for him. What are my options or maybe I should ask do I have any options at this point?

Answer: PDD-NOS or Pervasive Developmental Disorder, Not Otherwise Specified is a condition that I have limited experience with. I suspect that, as you say, it may not be possible to find insurance for your son. There are guaranteed options for children in your state with CHIP. Texas CHIP is for uninsured state residents under the age of 19. Applicants also need to be U.S. citizens or legal residents. Also, family income must fall within the posted family income guidelines. Usually there is a 90 day waiting period before program benefits start.

If you do not meet the income guidelines for this plan I would consider Texas Health Insurance Risk Pool. Coverage is guaranteed and you do not need to meet any income parameters. Good luck.

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