President, Health Insurance Specialists, Inc., Phoenix Arizona
Although unemployment does not technically offer health insurance, there may be other valid options, including:
1. COBRA continuation of coverage, which the unemployed person recently had on the prior employer's group plan.
2. HIPAA portability coverage
3. Medicaid for those with low income, for which the unemployed person may qualify
4. A private insurance policy, known as an Individual / Family plan
5. A private short-term policy to cover the gap between jobs, or the new-hire waiting period imposed by the new job.
6. A conversion policy, in some circumstances
7. Options in various states for high risk pools or guarantee-issued coverage.
It is important for you to consult with an expert insurance agent/broker in your state, because acceptance of one of these options may disqualify you for another one. It is important to know your rights to coverage, the eligibility rules for that coverage, and the timeframes and deadlines that apply.
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1. COBRA continuation of coverage, which the unemployed person recently had on the prior employer's group plan.
2. HIPAA portability coverage
3. Medicaid for those with low income, for which the unemployed person may qualify
4. A private insurance policy, known as an Individual / Family plan
5. A private short-term policy to cover the gap between jobs, or the new-hire waiting period imposed by the new job.
6. A conversion policy, in some circumstances
7. Options in various states for high risk pools or guarantee-issued coverage.
It is important for you to consult with an expert insurance agent/broker in your state, because acceptance of one of these options may disqualify you for another one. It is important to know your rights to coverage, the eligibility rules for that coverage, and the timeframes and deadlines that apply.