Health insurance is so important for many people that they stay in jobs they hate rather than risk losing health coverage by changing employers. That is pretty sad, considering the damage that a really stressful job can do to your health. There must be a better way.
Actually there is a better way. Besides the new federal health insurance laws coming into effect that prevent a preexisting condition from keeping you from getting health insurance coverage, there is also short-term health insurance to bridge the gap from the old insurance to the new. For many people that could be a lifesaver.
There are many reasons that an individual or family could be caught without healthcare coverage. People move. Things like sudden layoffs happen, and companies have been known to go out of business overnight. When something like that happens, many people jump at the first coverage they are able to find that they can manage to afford. But now there is no reason to do that.
A web site called ShortTermHealthInsurance.net helps you get the right coverage at the best price. You can get free quotes on line and, armed with full information, chose the one that is best for you and your family.
They say you can save over 50 percent on temporary health insurance to keep you covered until you have permanent coverage again. This is a really big deal. Anyone who has ever lost healthcare coverage due to a layoff knows that the so-called COBRA plans are just a cruel joke on (former) employees.
Not only are COBRA plans hidesously expensive to start with, but employers seem to take their sweet time about making the arrangements. I have received a COBRA notice as much as four-and-a-half months after a job ended. Then I would have had to pay for all four-and-a-half months in which I did not receive coverage before I could start the new plan.
If you are still unemployed after four-and-a-half months, the odds are that you will not be able to afford to pay several months of COBRA insurance premiums all at once. I think employers count on that so they will not have to be bothered with setting it all up.
Temporary, short-term health insurance that you choose for yourself is a much better deal, I think. You not only can save money, but you have a choice of what coverage you buy. You can do comparison shopping for the best deal and have financing choices, too.
For families with children, the first priority is the children’s health. Kids often have quite different needs from adults, so you want to be fully informed before making a decision that could affect their health coverage. For more information on choosing insurance for kids, see KidsHealth.org.
The best healthcare coverage is coverage that you actually have and can use when you need it. Now we have that choice—at a reasonable price, too.
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