Health Insurance For Unemployed People
Health Insurance For Unemployed People
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4 Things You Can Do For A Health Insurance When You Are Unemployed
4 THINGS YOU CAN DO FOR A HEALTH INSURANCE WHEN YOU ARE UNEMPLOYED
Being unemployed is an emotional, psychological and financial challenge for most of us. The last thing we need at such a time is substantial medical bills to pay because we broke a leg in a freak accident. We still need a health insurance to shield ourselves from huge medical bills in times of trouble. Here are four things we can do during the period of unemployment to ensure we are still covered by a such policy:
Remain On Previous Employer´s Health Coverage Plan
If you know that you are between jobs and will not need long term help, you can choose to remain on your previous employer´s medical coverage plan. This is in line with the COBRA act that regulates that employees can keep their insurance as long as they make the premium payments even after losing their jobs.
Find out if you can afford to make the payments. You may be able to remain on the plan for up to 12 months. You could also include your spouse and children in the plan if they are dependent on you for these medical health plans.. However, as the premium will no longer be supplemented by your employer, it may not be as cost effective as it was previously.
Purchase Medical Plan
You can do some research on your own There are several companies that provide health insurance to unemployed people as they do not require employment verification. All they need is a verifiable bank account. The prices can be quite affordable and they do provide good coverage.
Look Into State Sponsored Health Care
You may want to contact your state´s department of insurance find out if you are eligible for state-sponsored health care or government-sponsored care such as Medicaid. You can also enquire about other low cost medical plans available.
Add To Spouse´s Health Insurance Coverage
If you spouse is employed and is covered by health insurance, you can request to be added to his or her coverage policy. This would also probably add on to the premiums but is definitely worth it.
About the Author
Uma Ilango is a programmer from profession. She writes regulary at Bigarticlepool.com. Thousands of new articles are added every month.
Why does having health insurance before being diagnosed with a serious condition make a difference?
My toddler has type 1 diabetes. When she was in the hospital right after being diagnosed I had a conversation with one of her nurses. This nurse told me a story about how before she got her job at the hospital her and her husband were temporarily unemployed. She said she had made sure to get very basic health insurance during that time, because if she was diagnosed with something serious without the basic insurance that she would become uninsurable.
Her reason for telling me this story was clear. We were uninsured when my daughter was diagnosed, and she was warning me that there are hard times ahead for us … in other ways besides the obvious.
But I don’t understand how that works. Why does having insurance before you’re diagnosed with something make a difference? Are there laws protecting people in that situation? Why can’t their current insurance company just drop them, or jack their rates up so high that they can’t afford it?
The point is they don’t want to insure someone who is likely to cost them a bundle. It would be like giving car insurance to someone who has multiple dui’s. Sorry to say it is monetary and not humane motivation. I hope things go well! Good luck.
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