Health Insurance Options For The Unemployed
Those who are fortunate to be employed may think health insurance benefits they receive are guaranteed
. However, people who have had health care insurance coverage at before know that it is easy to take for granted the ability to get healthcare when you need it. Those who are recently unemployed may have to find alternative ways to cover themselves and their families. So it is nice to know there are alternative ways to cover yourself when you lose your job.
People who received health insurance benefits from their place of employment in which they do not work any longer are entitled to COBRA. health care coverage. COBRA allows you to get benefits from the plan that you had when you were working. But it is important to know that this kind of plan increases the amount you are responsible for in premiums. Basically, you have to pay yours both your premium and the premium your employer used be held accountable for, which is something most unemployed cannot afford since they are not working. Help from programs set up by the government can help you maintain health, but what you want to see what is offered exactly and the qualification requirements by visiting their website.
Typically, those who have lost their jobs and are still paying for high health insurance premiums will find they have to choose between living and healthcare. People in this situation could apply for complete or partial coverage through Medicaid. This program is set up for pregnant women and children but can help to cover dependents and, therefore, health insurance costs become more manageable.
As you search for another job, you may be able to get help (either partial or in full) with health insurance costs. This kind of help is for people who are without any health insurance briefly, making this option an reasonable one. Keep in mind that this type of help does not cover every medical expense, even though it might help pay major health care expenses while ensuring that a pre-existing condition will not affect your ability to receive care if you do not have enough insurance.
Now C.O.B.R.A., as mentioned before, is typically easy to get because employers are mandated to send over written copies within thirty days that you become unemployed, and it this is why most of us think it is the sole choice to continue health insurance. Those who have recently lost their jobs should consider all choices available before they enroll in C.O.B.R.A. for the simple reason there may be a better alternative.
by: Ethan Kalvin
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