Get health insurance after a layoff

NEW YORK - Cynthia Casey's husband was in hospital with a disorder of the liver, where it was launched in September on foot, while Emergence of the family without health insurance ( health insurance plans, Health care Insurance,and affordable health insurance ).

Medical insurance bills were to gather. They had two young people in nutrition and a weekly unemployment checks of less than $ 300.

"The draft laws were not only paid," said Casey, 50 years, residing in Pompano Beach, Florida, which until recently he worked as a supervisor of liabilities.

Throughout the country, the loss of nearly 2 million jobs during the year leads the concerns about the way to find and pay for health insurance on your own. The price is very close with the option, but not suffering from the comparison with the disasters that are on the non-insured.

However, half of those who are unemployed and after work last year, no insurance, according to the Kaiser Family Foundation, which studies health policy. NPIs believes that the 1 percent jump in the national unemployment rate in another 1.1 million uninsured. Last month, the unemployment rate fell to 6.7 percent, an increase of 4.7 percent a year ago.

Caseys finally end on a plan with little cover Medicaid, but there is not enough to make ends meet. To guide you in planning in the event of a suspension, the options of health care, that you want to search.

COBRA: Workers have the right to an extension of health care for 18 months after leaving a job after COBRA, an acronym for the consolidated Omnibus Budget Reconciliation Act of 1985.

The catches are that employers no longer a part of the premium paid on average 84 percent. So you will probably have a strong rise in prices. The average annual premium for an employer-sponsored plan is $ 4,704 for residential customers and $ 12,680 for the families, after the founding emperor. You may also be offset up to 2 percent of the premium for administrative costs.

The law applies to those who worked in companies with 20 or more employees, but several states to extend the promotion to those small businesses. They also have a plan for the health, if you were fired.

The other provision is that the company nor the supply, so that you do not have the chance, if your employer goes bankrupt or no longer offer health insurance to reduce costs.

If you are not limited to, and to have a medical emergency, you can log in to cover when it within 60 days. But you're bound for the cover of from the date on which you leave your job.

Individual Plans: What do you expect to pay for an individual police, however, strongly depending on your age, health and the place where you live.

Cigna's website, for example, the monthly premium price of $ 127 to $ 230 for an age of 30 years, women in Dallas. It is under the condition that they are non-smoking.

For a 50-year-old female smokers, the premiums more than doubled, from $ 274 to $ 481st Older people not only against the price increase, May, but it is hard to find, all in coverage.

For those who can not get the cover on your own, after several "high-risk pools" that the people who cover, but usually at higher prices.

Government Plans: Even if you're not suited for the software, you will be May in a position to receive the reach of your children. In most states, the threshold for eligibility for Medicaid for children is twice the poverty, or about $ 42,000 per year for a family of four.

The claim is usually stricter rules for parents, but. The unemployment benefits are sometimes enough for adults, after the founding emperor.


Anonymous said...

I recently came across your blog and have been reading along. I thought I would leave my first comment. I don't know what to say except that I have enjoyed reading. Nice blog. I will keep visiting this blog very often.