Health Insurance For Unemployed
Health Insurance For Unemployed
Get Instant Health Insurance Quotes!
Cobra Health Insurance
[removed][removed]
[removed][removed]
[removed][removed]
[removed][removed]
[removed][removed]
[removed][removed]
[removed][removed]
[removed][removed]
The Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA, allows unemployed workers to keep their health insurance from their previous employer for up to 18 months.
Up until the 15-month subsidy was approved last year as part of the federal economic stimulus bill, laid-off workers were required to pick up the full premium. With the subsidy, the unemployed paid 35 percent of the cost.
That subsidy is now at risk while the U.S. Senate considers whether to extend it. It was eliminated from one jobs bill but is included in a second jobs bill. The Senate, however, has not decided which bill it plans to hear, said Cheryl Fish-Parcham, director of health-care policy for Families USA.
If the subsidy is allowed to expire, no one laid off after Feb. 28 will be eligible for the reduced premiums.
That could mean many won’t be able to afford the premiums and would join the growing rolls of the uninsured, according to Families USA, a national organization for health care consumers.
Throwing a lifeline
The federal subsidy “gives people a small margin of hope,” said Terra Eyl, a career transition specialist with the Larimer County Workforce Center in Fort Collins.
Without the subsidy, COBRA premiums can cost upwards of $1,000 a month making it unaffordable for most families trying to live on unemployment benefits.
Even with the subsidy, COBRA payments can be unaffordable for people, particularly those with lower incomes, Eyl said. “But a small margin of hope is better than no margin, in my opinion.”
Families USA estimates an additional 57,500 Coloradans became uninsured last year when they lost their jobs. And, although economic recovery appears to be under way, economists agree job growth is still a long way off, meaning the unemployment rate is likely to rise this year.
One quarter of Larimer County residents between 18 and 65 were uninsured at some point from 2005 through the end of 2007, according to Health District of Northern Larimer County, the latest statistics available.
About the Author
Quoting & Saving just got easier…Easy To Insure ME Health Insurance Quotes… Quote all carriers in seconds
Health insurance Quote
Health insurance quotes
Best health insurance, if your unemployed, and already have health problems?
What is the best health insurance for yourself if you do not have a job but can buy health insurance (husband works) and already have pre exsisting health conditions (hypothyroid, PCOS) and you do not want to pay much out of pocket when you goto the doctor or for RX’s? I do not know ANYTHING about insurance I have never had it!
Can you get insurance through your husband’s work? That would probably be the least expensive route. If you want insurance on your own, the best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:
·Monthly price (premium)
·Yearly deductible (amount you spend before the insurance company will start paying)
·Copay amount (amount you pay per service)
·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)
·Freedom of choice (can you visit whatever doctor you want?)
·Preventive medicine and routine doctor visits (does the plan include these?)
·Mental health (included in the plan; copay amounts; maximum number of annual visits).
I’d check out Consumer Reports (link below), US News & World Reports (link below), and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all linked below). I’ve also included a link to a PCOS support site (link below).
HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.
You should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.
You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes @ MostChoice
|
|
United Solutions Snap and Lock Plastic File Tote, Black $13.99 Whether you need to organize files for easy access or you want to store the old ones, this durable file box from United Solutions will handle both tasks. Can accommodate hanging files, letter and legal size documents. The streamlined design of the patented Snap and Lock lid, keeps your valuable documents safe and secure. Multiple file boxes stack nicely and slide effortlessly. Black file box with … |
|
|
I LOVE INSURANCE 1.25 MAGNET Heart Progressive Flo $0.79 These magnets are manufactured from the highest quality materials… made of a hard metal base, thick mylar, strong magnet and true to life vibrant colors. Put them on your refrigerator, locker, file cabinet or any metal object you can think of! Magnets are great party favors for your next gathering and also make great prizes/giveaways. They are wonderful gifts for everyone!… |
|
|
I HEART FLO Coffee Mug $15.95 Get your big tricked out mug!… |
|
|
INSURANCE ID WALLET $1.99 Insurance & Registration Holder, Protective Case For Insurance Certificate & Registration, Blister Card…. |
|
|
I LOVE INSURANCE Pinback Button (((LARGE))) 2.25 Pin / Badge Heart Progressive Flo $0.40 These buttons are manufactured from the highest quality materials… made of a hard metal base, thick mylar, and true to life vibrant colors. Put them on your bag, t-shirt, jacket, guitar strap, or anywhere else you can think of! Buttons are great party favors for your next gathering and also make great prizes/giveaways. They are wonderful gifts for everyone!… |
|
|
Insurance Is Fun T-Shirt, Kiss Me I’M ALL RISK. Slogans Light T-Shirt by CafePress Spring Sale Price reflects 15% off regular price… |
|
|
Kryptonite New York Fahgettaboutit Mini Bicycle U-Lock (3.25 x 6-Inch) $109.00 The New York Fahgettaboudit offers extreme bicycle protection with a hardened MAX-Performance steel shackle that resists bolt cutters and leverage attacks.Center keyway defends against leverage attacksProtective vinyl coatingSliding dustcover protects and extends cylinder life3 keys – one lighted with high intensity bulb & replaceable batteryAnti Theft Proctection Offer $450018mm hardened Max-perf… |
|
|
U.S. Patrol JB5076 Fire Resistant Document Bag $4.99 You may not be a State Department operative carrying crucial documents in a confidential diplomatic pouch to an ambassador, but everyone has important documents that need to be kept safe. This fire-resistant document bag is just the place to keep birth certificates, passports, property deeds, precious photos and more. It is large enough to hold legal size documents. 10in.L x 15in.W x 10in.H…. |
|
|
Tripp Lite PS3612 Multiple Outlet Strip 15-Amp 12 outlets 15ft Cord $36.41 12 outlet 15 ampsMultiple outlets wherever neededDesigned for vertical or horizontal power distributionTransparent on/off switch cover prevents accidental shutoffLifetime product warranty… |
|
|
Short Time [VHS] $14.98 … |
