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.
Aug 20, 2014
Hi Julie,
I'm a licensed life & health agent in Texas. I can answer based on my Texas experience but will try to keep it generalized.
Your first avenue to consider is continuing on your former employer's plan through COBRA. Keep in mind, if you enroll in COBRA, you can't change your mind and enroll in an individual policy until 1/1/15.
If your employer doesn't offer COBRA (they have fewer than 20 employees), or if that option is too expensive, then your second avenue would be to contact a good agent in your area.
Your agent can shop the market for you and provide you with assistance in enrolling in an individual policy (probably best if you don't know how long you might be unemployed). The new healthcare reform rules require you to enroll in an individual policy within 60 days after losing your group health coverage. It also requires carriers to accept you and pay for pre-existing conditions immediately. In addition, if you enroll through the new marketplace in your state, you may qualify for a premium tax credit or other assistance.
If that option doesn't work (too expensive or past 60 days after your last coverage), then you should look into a temporary health policy. Temp health will provide coverage for unexpected expenses, but excludes coverage for pre-existing conditions. And it's medically underwritten, so if you have certain health conditions, you can be turned down for coverage.
I hope this helps!
Aug 20, 2014
Hi Julie,
You have several options. 1) you could elect to keep the coverage you had with your previous employer through COBRA. 2) Losing your coverage from losing your job is a qualifying event which allows you to apply for insurance with any carrier in your area or through Covered CA. 3) You can apply for a Short Term policy that will last up to 6 months. Option 3 is somewhat less expensive but requires health questions. If you are healthy it is not a problem. If you have a preexisting condition you can be declined. Short term policies used to be much cheaper but not as much now. If you have any other questions feel free to contact me. Bob
Aug 20, 2014
Hi Julie, as long as it is within 60 days of Health Insurance Lapsing you may contact any Health Insurance Agency and they can assist you with getting Health Insurance Coverage as well as see if you qualify for any assistance through Health Care Reform Act.
Aug 20, 2014
I'd love to discuss options with you. There are many options. But not all short term insurance plans are made equally.
AJ
714 421 3023
Aug 20, 2014
Julie-
lots of good advice below - my recommendation is to purchase a short term medical and if you have a Direct Primary Care practice near you join that. There are many in CA . You can learn more at our private exchange www.mysb-xchange.com. DPCunited.org has a directory and you can also google Direct Primary Care or Concierge Medicine.
Aug 20, 2014
You can contact Ladd Wood who is the individual health insurance specialist in my office. Temporary policies are still great solutions and typically provide much lower cost. However, they do not cover any pre existing conditions and you can only have them for a limited amount of time.
Ladd will be able to assist if you provide a way to get in touch with you.
Aug 20, 2014
Julie,
There are a number of options, if your employer
Doesn't offer coverage, you have changed jobs, gotten
Married, divorced, or had a baby you can apply
On the exchange. You can get short term insurance
That is for a specified amount of time, or you
Can get a limited benefit plan that has no
Deductible. Give me a call and I can run some
Quotes for you! Dorothy. 660 441 7481
Aug 20, 2014
There is a coverage designed specifically for cases such as yours. It is actually a short term medical plans. Fewer companies do them now after healthcare reform but they are still out there. One of the caveats is you cannot have had a gap in coverage of more than 60 days in order to buy one. That is because of the new open enrollment period from 10/15 to 12/07 each year.
You can go online and google short term medical or ask your local independent insurance agent for more info.
Aug 20, 2014
Adam Bates Open enrollment is not until November so unless Julie is eligible for an exception, she could not apply.
Aug 20, 2014
The CA health insurance marketplace will be a great tool for you!
Here is the site - www.coveredca.com/
I recommend that you find a local Trusted Choice Agent that can help you through the enrollment process.
Use this site here to find a local agent - www.trustedchoice.com
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.