Know The Facts Before You Are Left Without Health Insurance
Unemployment is at an all time high and as many unemployed people are collecting unemployment
, lack of work causes more problems for people than just losing money. Most people who are unemployed lose not only their salaries, but their health insurance benefits. There are several things you need to know if you or someone you know has recently become unemployed.In the case of unemployment, employers must now provide the Cobra. This is a plan to get you to continue your health insurance, but you have to pay all the premiums to do so. If you can not afford, but there is a program funded by the federal government to pay the premiums. You can find out more about this from the local employment office, or search the government website on-line addition Cobra information.
Just because you are offered COBRA, don't assume that you have to take this coverage. It may be in your best interest to shop around for health insurance and to find out if anyone in your family is eligible for government health care options. Also, if you have a spouse or another family member that is currently employed they may be able to cover you on their policy until such time as you are able to obtain a new job and more health insurance benefits.
It may also be important to see if you qualify income for all programs in other forms of assistance through the government as this can help your family stay afloat and can be used to supplement lost income. If you belong to any community organizations or companies, then you might want to see if you can purchase group health insurance through another organization as this can help you save some money off Those higher individual plans. Anything you can do to help you save a few dollars will help your family and your financial situation.
Unemployment can be a difficult situation to deal with and one That can be even scarier if you have dependents who are counting on you take care of their needs, but do not give up hope. Keep trying to find a new job and find other ways to supplement the family income and health insurance needs until then. Things will come together before you know it.
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