Many people are facing unemployment over the next year, and the loss of income is only a small part of the troubles associated with unemployment. Even more important than the loss of income is the loss of insurance coverage associated with it. This can be especially devastating to those who have families who are in need of coverage as well. Also, a little known fact is that spending three or more months without health insurance can significantly increase issues of pre-existing conditions. Insurance companies dont look at it kindly when you have a lapse of insurance for a period of time, and tend to over scrutinize your bills accordingly.
If you find yourself unemployed, your company will more than likely offer you a continuing coverage health insurance program like COBRA. This is a continuation of your companys health insurance plan that is paid for by you out of pocket. The cost tends to be relatively reasonable in most cases, however health insurance in general is pricey and without an income, you may find that the insurance premiums are too much for you to handle.
If you find yourself unable to take advantage of COBRA for whatever reason, you may need to find an independent provider that can give you a reasonable alternative, a short term policy, usually six months in length. These policies are specifically designed to protect your family between jobs. If your employer previously paid part of your premiums, then these policies can often be less costly than COBRA.
Reasonable health insurance is something that we are in need of, and hopefully the government will begin to pick up the slack for those who are truly in need. Proper and affordable health care should be a right and not a privilege that is awarded only to the rich.
These days, the internet is the best and most efficient resource for investigating the best coverage available to you. Check out the health care options available to you locally, as your state may offer some discounted programs. Whether your health insurance needs are because you lost your job, or whether your employer doesn't offer a plan, there's surely a plan that can help you. - 15275
If you find yourself unemployed, your company will more than likely offer you a continuing coverage health insurance program like COBRA. This is a continuation of your companys health insurance plan that is paid for by you out of pocket. The cost tends to be relatively reasonable in most cases, however health insurance in general is pricey and without an income, you may find that the insurance premiums are too much for you to handle.
If you find yourself unable to take advantage of COBRA for whatever reason, you may need to find an independent provider that can give you a reasonable alternative, a short term policy, usually six months in length. These policies are specifically designed to protect your family between jobs. If your employer previously paid part of your premiums, then these policies can often be less costly than COBRA.
Reasonable health insurance is something that we are in need of, and hopefully the government will begin to pick up the slack for those who are truly in need. Proper and affordable health care should be a right and not a privilege that is awarded only to the rich.
These days, the internet is the best and most efficient resource for investigating the best coverage available to you. Check out the health care options available to you locally, as your state may offer some discounted programs. Whether your health insurance needs are because you lost your job, or whether your employer doesn't offer a plan, there's surely a plan that can help you. - 15275
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