Getting health insurance for established people

Jobs come and go, often without notice to employees. Before a layoff or termination period, we ask the department of your company for information about COBRA benefits. COBRA is a temporary insurance plan (designed not to exceed 18 months) for people who were employed before, but lost his job. COBRA allows people previously employed to purchase individual health insurance or health insurance policy of the family, but with a very high price. Individual policies can cost as much as $ 4000 + per year, while family policies can cost as much as $ 15 billion or more years. An alternative to COBRA is to contact your insurance company directly for a hospital plan only. These are less expensive than traditional insurance plans full coverage and cover hospital stays. Some also have additional options such as emergency care, prescription drug coverage and / or vision care. Before buying a health insurance plan, read on to see if other options or a combination of options to serve your family the best.

Many states offer immediate assistance to children based on income. If your family income will be or already is less than $ 35,000 per year (based on a family of four) contact your state's Department of Children and Families. Your family may be eligible for a free insurance or low cost services to cover all children, including dental and vision care. For those who have to pay monthly premiums for each child usually range between $ 15 - $ 35, which is substantially less than a policy of traditional health insurance. In addition, if food stamps or government assistance is received, enroll your child in free services to / from school and the dental van (dental exams / cleaning of the teeth), or in a clinic view. Talk to nurse your child's school about the availability of these programs to see if your child is eligible.

If a new job prospect is in the near future, consider purchasing a health insurance policy through a time corridor. There are two types of health "insurance" usually sell: a traditional policy or a discount card for health care. One of them is safe, while the other is a discount fee-for-service plan. Look both options, but do not buy anything until all the doctors and pharmacies have been contacted to verify acceptance and co-payments. Often, the discount card will care a higher payment, but when compared to the monthly health care actually ends up costing less money.

Although it may not be your doctor, use outpatient clinics. Intensive care clinics are often less expensive than doctor or emergency room visits and carry out many of the same services. Strep Throat swabs, X-rays, broken bones and diseases in general are some of the many intensive care clinics for a flat fee for service pricing. Attending clinics in your area and compare the prices of services. Be sure to set aside the largest amount required for at least two visits if the choice to eliminate health insurance and pay for each visit to the individual case. When visiting, do not be afraid to ask your doctor for samples of the prescription. The drug may or may not be on hand. If not, explain your situation and ask for a drug is generic.

This is sometimes overlooked, but checking your auto insurance policy is very relevant for people without health insurance immediately. Make sure the personal injury coverage to date and deductibles / limits of the plan are within the means. This is especially important for people who decide to give health insurance until a change in employment status.

As mentioned above, shop around and customize options to suit your needs. Calculate the option that can save the most money to mix and match. Discount dental plans, $ 4 generic drugs at pharmacies selected payment service urgent care centers and plans only in hospitals are some of the options designed to help customize a health insurance benefit package help alleviate the loss of income during a period or unemployment or job loss. The calculation of the plans / options, consider monthly premiums, covered services, plan limits, co-payments and medical network.


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