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Any health insurance suggestions for the recently unemployed?

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Any health insurance suggestions for the recently unemployed?

Old 02-28-08, 09:10 PM
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Any health insurance suggestions for the recently unemployed?

As of tomorrow I'll be unemployed, and while I knew this was coming I planned on using COBRA to continue my health care coverage. While I don't have the final cost, my HR rep is saying it's going to be well over $1000/month for my family of three. I could use any suggestions on some short-term, affordable health care alternatives until I find another job.
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Old 02-28-08, 10:07 PM
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Check if there are any state-supported healthcare programs. I know that NY has such a program (with an income cap for eligibility). Maybe your state has one too.
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Old 02-28-08, 11:11 PM
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Don't get sick.
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Old 02-29-08, 06:47 AM
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Golden Rule is one company that sells individual health plans at "reasonable" rates. I use "" because all health insurance is so expensive. By upping your deductible and possibly excluding some coverages, you can probably get your costs down.
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Old 02-29-08, 07:44 AM
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I'm not an expert, but my wife is a health insurance broker....I think if you have continuing coverage, you're pretty safe getting on with someone else. If you don't have any pre-existing conditions, you can apply to just about anyone and get coverage for a fraction of that COBRA rate. If you have Kaiser in your area, that might be an option as I understand they cannot hold pre-existing conditions against you because they are an HMO.

Find a local health insurance broker, explain your medical conditions, and they can suggest something for you.
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Old 02-29-08, 09:13 AM
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Move to Canada?
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Old 02-29-08, 09:33 AM
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Originally Posted by pedagogue
Don't get sick.
Or hurt.

E
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Old 02-29-08, 11:11 AM
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Your best bet is to get on a short term policy until you can qualify for another group policy. COBRA is going to cost you a small fortune and that's because your company has legal authority to charge you up to 110% of the premium because they still have to act as the benefits coordinator for you.

You need to contact a broker so you have access to every possible insurer in your state that can give you a short term policy. As long as you have no lapse in coverage for more than 63 days you'll be fine. But do not wait another day to take care of this. Seriously. There's nothing worse than having to fight an insurance company for people because they waited so long to apply.

Good luck!
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Old 02-29-08, 11:16 AM
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Here's my suggestion: Vote Obama.
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Old 02-29-08, 12:40 PM
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FACT CHECK: Obama is not expected to introduce single-payer health care to the nation. Neither is it or has it ever been a part of his platform.

E
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Old 02-29-08, 01:22 PM
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Two Options that I looked at:

1. Become a realtor and join a Broker with a group plan/rate and discount. The broker I'm signing up with is 150 a month.

2. Become a full time student again, and get coverage through the school.
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Old 02-29-08, 02:19 PM
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Originally Posted by DeltaSigChi4
FACT CHECK: Obama is not expected to introduce single-payer health care to the nation. Neither is it or has it ever been a part of his platform.

E
SARCASM CHECK: Learn to spot it when you read it.
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Old 02-29-08, 02:32 PM
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Originally Posted by Shannon Nutt
SARCASM CHECK: Learn to spot it when you read it.


As drmoze said, check to see if your state has a program.
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Old 02-29-08, 02:45 PM
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Thanks for all of the responses, I'll check to see what Georgia offers.
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Old 02-29-08, 11:30 PM
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I was recently between jobs and talked to an insurance agent or broker about signing up for an individual policy. However, he told me to not even bother applying 'cause they wouldn't approve me due to being on anti-anxiety medication (xanax) which was directly related to being out of work in the first place. Had that slipped through, then my borderline high blood pressure would have probably eliminated me. G'Damn cherry pickers!

Last edited by Jack Straw; 02-29-08 at 11:36 PM.
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Old 02-29-08, 11:37 PM
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Kill your family and start a new life.

Much more affordable.
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