The economic crisis is taking a toll on many whose coverage is connected to their employment.
There are nearly 47 million people in this country who don’t have health insurance, many of whom lost their medical coverage when they lost their jobs. According to the U.S. Labor Department and health care officials, if you are among thsoe who no longer have employer-subsidized health insurance, here’s what you can do to continue addressing your medical needs:
1. If you are married, your first step should be to check with your spouse’s employer to see if you are eligible for health coverage as a family member. Those group plans are normally most affordable.
2. Consider COBRA. The Consolidated Omnibus Budget Reconciliation Act of 1985 requires employers with a minimum of 20 workers to continue coverage for at least 18 months or as long as 36 months for dependents under special circumstances. If you choose to get coverage under COBRA, you are required to pay the entire premium for the group policy – plus any administrative costs.
3. Check with any associations or professional organizations that you or your spouse may belong to because they sometimes offer group plans.
4. After losing your job, if you decide to be self-employed, consider getting a partner or hire an employee. It takes just two people to be eligible for group coverage, which is usually the most comprehensive and cost-effective coverage option.
5. Find your own individual insurance policy. Contrary to popular thought, you can find affordable health insurance on your own, but it takes a lot of owrk and persistence. If you shop around, you might be surprised by what you find, especially if you’re healthy. There are many web sites that will allow you to compare prices.
6. Fiind a local clinic. If it is not free,k it likely charges based on income, so it probably won’t charge you more than you can spend at the time. in addition, if you don’t need the services of a hospital or doctor’s office, take advantage of retail clinics at such places as Wal-Mart and chain drugstores like Walgreens and CVS.
7. Consider a Mini-Med, which is a limited benefit indemnity health insurance plan that can be issued with few restrictions to those up to age 64. The Mini-Med policy can be presented to any medical provider and is not limited to any specific PPO network. These are not major medical plans, but they do provide a variety of benefits. If you are 18 to 64, you won’t be turned down for medical reasons.
8. Talk to your former primary care physician to see what kind of temporary break he or she can give you. Some may offer benefits such as heal-price office visits.
9. Seek assistance from doctors-to-be. Several medical schools and teaching hospitals offer low-cost or free medical care at the facilities where students train.
10. See if you are eligible for something free, especially prescription drugs. Check with drug manufacturers if you qualify for any of hte prescription assistance programs.
11. Look into state and federal programs. In most states, you can get coverage in a high-risk pool if you are sick and can’t get individual coverage through a private insurer. Call your state department of insurance to see if you are eligible. Medicaid is also a possibility for those who meet federal guidelines. Contact your state departmenht of social services.
HELPFUL WEB SITES
www.cobrainsurance.com for information on COBRA
WWW.COVERAGEFORALL.ORG for insurance policies and prices.
WWW.DOL.GOV for the U.S. Department of Labor
WWW.HEALTHYWOMEN.ORG for the National Women’s Health Resource Center and the Consumer Health Education Council, which helps individuals get health are coverage, maintain that coverage, and educates the insured on the ways to use coverage effectively.