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How to Get Health Insurance When Unemployed

How to Get Health Insurance When Unemployed PhotoHealthcare has been an issue in many countries as it is with the increasing unemployment rate. With this, many are in search of health indemnity beyond the dark shadows of joblessness. Thus, the government concluded that health matters must not be compromised for those unemployed.

In this research, tips on how to get health insurance without involving any money will be discussed. Read along.

Notify your state

First of all, it is essential that you register under the unemployment agencies in your state. Making a statement through the registration of your unemployment will be their gage to reach you.

Once you’re registered for unemployment, you can request for assistance finding and uncovering institutions and packages designed for the unemployed.

Make use of COBRA

COBRA (Consolidated Omnibus Budget Reconciliation Act) gives employees and their families who lost their health benefits the option to continue group health benefits provided by their previous group health plan at a reduced amount.

These health plans subsidized by the government are usually extended up to 18 months, but are under certain circumstances; such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events.

Know the pre-existing conditions

The Affordable Care Act aims for new policies that ensure that nobody is denied in any coverage by private health insurance companies, though, some of the provisions are not yet in place.

Under the new health care bill, all children will now be accepted, as well as, all pre-existing conditions waived. And for you to enjoy this Federal program, you must have been declined by a major insurance company and received a declined letter dated in the last 12 months.

Government health insurance plans

Apply for Medicare and Medicaid. These Government-sponsored health insurance plans can help get you through your unemployment. You just have to meet the qualifications.

For Medicare, you must be 65 years old or over, or if you’re under 65, you must have been on Social Security disability for at least 24 months.  You can apply online at SSA.gov.

On the other hand, Medicaid is based upon income. It can also be coordinated with Social Security disability and Medicare for those who are both under 65 and disabled.

Other alternatives

You can ask your local Apothecary for recommendations about health or prescription coverage assistance programs. More likely, they have access to this information through federal or state resources or drug company representatives.

You can also apply for the least benefits plan, which will give you discounts on most health-related services. This is good if you seek for coverage until you find employment and do not have any existing illnesses or conditions.

Moreover, you can request your doctor for a referral to a health insurance company that will provide affordable benefits. He could know of any discounts available for temporary or emergency coverage.

True that there’s nothing more secure than to be insured. Losing a particular job can be difficult for you but it doesn’t defend you in forsaking your health’s sake. Thus, it is beneficial to know that you have an option.