I don't have Health Insurance because I am in Between Jobs. Where do I get temporary coverage?
I would like to have a temporary solution to Health Insurance. I am in between jobs and feel very insecure in case I need medical assistance. As soon as I find a job problem solved.
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Aug 26, 2014
A very cost effective solution is a short term plan but this does require medical underwriting. Minimum 30 days and up to 6 mos in most states. And there is also the open enrollment period for individual health plans. Outside the open enrollment there is also an SEP or special enrollment period which allows you to purchase coverage outside the open enrollment if you have a loss of coverage. Inside the exchange you may qualify for a subsidy.
There are time specifics for these so I suggest you contact a qualified health insurance agent to assist you. You will want to be sure your providers are in the network for the option you choose. More to consider than just the cost of the premium.
Aug 21, 2014
Did you have health insurance with your former job? How long since you left your former job? State Continuation or Cobra may be an answer. Short Term Medical may or may not be the answer; it depends on your medical history and if you are willing to pay the penalty for not having Minimum Essential health coverage. Your state exchange may be an answer. Again, it depends when your prior health insurance ended. You may or may not be eligible for a subsidy; only through your state or federal exchange is that possible but there are rules around when you can gain coverage. I would be happy to understand your situation better in order to make a recommendation that makes sense for you. Anne Taylor You can reach me on linked in.com/ AnneTaylorcincinnati/
Aug 21, 2014
You can get a short Term Major Medical pay by the month or can make a lump sum payment. Based on you age, demographics,
Aug 20, 2014
I'm unsure if this may be useful to you now, as you've probably spoken to someone already. I know someone who might be able to help you. His name is Kenneth Krill, he is one of the consultants at my office. Just let him know that I sent you, and you had it before, then lost it.
Kenneth Krill,
the Varsity Group
(631) 391-5810
Aug 20, 2014
major insurance carriers over short term insurance plans but they are skinny plans and are underwritten. Or you are welcome to go the health insurance marketplace if you recently lsot creditable coverage through your employer.
if you live in illinois, i would be happy to assist you.
Aug 20, 2014
As long as you are healthy, Short term plans are the way to go as they are less than half the cost of a regular plan. You can pay in advance up to 6 months and discount the rate by 35%! Otherwise you can pay month to month. Only drawback is they do not cover any pre-existing conditions so if you are concerned about any health issue coming back up you need to enroll in a regular plan.
Copy and paste on the link below and you can run your own quick comparison.
Here is your personalized HCC Short Term domestic Medical Plan for free quoting and application link:
https://www.quote-and-apply.com/amigo/?referid=23600-0235
Let me know if I can help
Aug 20, 2014
Try your state social service department. when you go get their early before they open and take ALL of the proof of income and ALL your bills (rent. utilities. any payments) the more the better.
Aug 20, 2014
Hi Julie - I would suggest a short-term major medical plan. They provide temporary health insurance from 1 - 6 months and they cover major medical / hospital care and some also cover out-patient and doctor office benefits. A local insurance agent should be able to help you and you can also find a plan online or if you need personal service, then I would be glad to help you. You may call me at 800.647.4589 or email me at adam@BestShorttermPlan.com. All the best- Adam
Aug 20, 2014
Open enrollment is not until November so unless Julie is eligible for an exception, she could not apply.
Otherwise, depending on your annual income, you may qualify for the premium assistance through the State Exchange. A lot more cumbersome, but worth it if your income is going to be low for a while or you don't work for an employer who provides coverage. Takes 5 minutes too see if you qualify. Finally, you will have a guaranteed enrollment period coming up beginning November 14th through Feb. 28th for the individual open enrollment period for 2015.