Navigation Links
Holding On to Your Health Coverage: 5 Steps to Consider If You've Been Laid-Off

'You shouldn't have to lose your safety net... ' says nonprofit founder

SAN JOSE, Calif., Dec. 1 /PRNewswire/ -- With U.S. unemployment at a record 6.5% and layoffs continuing, the ranks of the uninsured will continue to grow. However, armed with statistics that nearly one-third of the current uninsured have government programs they are eligible for but don't know it, Phil Lebherz, executive director of the nonprofit Foundation for Health Coverage Education (FHCE), advises "being laid off shouldn't automatically mean you go without health coverage."

The nonprofit health coverage think tank has come up with 5 steps people need to take in reviewing how they can hold on to their current coverage or transition to some form of gap coverage.

5 Steps to Take for Holding on to Your Insurance Coverage

  1. COBRA.While this may be the most expensive option, it's a good one for someone with a pre-existing medical condition. For people recently laid off, the first, immediate option to review is COBRA coverage. COBRA is required of businesses with 20 or more employees. It provides continuation of group health coverage that otherwise might be terminated. One common myth about COBRA coverage is that it is only good for 18 months, but quite often this is not the case as it can be continued indefinitely through state COBRA programs. First steps include checking with the employer's human resources department to receive complete information on how to qualify for COBRA, the costs and how to apply. If COBRA is an option, it should be carefully reviewed before being refused as once it's dismissed, it can't be recalled.
  2. High Deductible Plans. For healthy individuals, another cost effective option while unemployed may be to purchase lower-cost high deductible individual coverage. until new employment is found. With the exception for New York, Massachusetts and Vermont, a person can obtain this coverage for anywhere from $50 to $150 per month providing basic catastrophic coverage with a high deductible until he or she becomes eligible for the new employer's plan. You can visit for a national listing of insurance brokers near you.
  3. Going from a double- to a single-income family. For the family in a two-income home where one parent has been laid off, checking into programs like Healthy Families is an important step. In many states, a family of 4 can make up to $60,000 (California, Connecticut, Hawaii, Illinois, Indiana, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, Pennsylvania, Tennessee, Vermont, Washington, D.C.) and in other states up to $50,000 a year (Alabama, Georgia, Louisiana, New Mexico, New York, Washington) and still qualify the children for comprehensive coverage. These programs may provide low-cost health coverage for children and teens up to age 19 including comprehensive health, dental and vision coverage. Moving the family's young dependents from private insurance to government sponsored plans can reduce monthly premiums and perhaps make a family's adult private premium coverage affordable.
  4. Coverage for Pre-existing Conditions. For people who have been laid off and must purchase individual health insurance but are unable to obtain coverage due to a pre-existing condition, many states have government sponsored medical risk insurance pools (such as California's Major Risk Medical Insurance Program). State residents who qualify for these programs participate in the cost of their continued coverage by paying premiums that are supplemented by the state. Go to your state's government website to find out what type of medical pool coverage may be offered.
  5. Help forSingle Pregnant Women. For a single woman who is pregnant and doesn't make more than $25,900 in a year, there are maternity programs state by state which will pay for the coverage of the baby before, during and after the birth of the child into the first year. With names like Access for Infants and Mothers, this often comprehensive coverage provides low-cost or free health coverage for pregnant women before, during and following the delivery of the baby and health coverage for their newborn through the baby's first year of life.

Concerned that so many Americans don't know where to go to find out about eligibility for government sponsored and low cost programs, the FHCE has centralized information about public programs available in all 50 states and captured, on a single website database, more than 174 government programs that can help. To identify what they qualify for, website visitors can take the simple 5-Question Eligibility Quiz online, or phone the free 24/7, multilingual U.S. Uninsured Help Line at 800-234-1317 and talk with a live counselor who will review the questions with them. This eligibility review is a starting point with the Fresno, California-based call center's staff who then guide each caller through their options and to the appropriate state-sponsored program.

The Foundation for Health Coverage Education is a non-profit organization based in San Jose, California. For more information, please visit the website at .

    Media Contacts:

    Marilyn Haese
    Bobbi Rubinstein
    Haese & Wood
    (310) 556-9612

SOURCE Foundation for Health Coverage Education
Copyright©2008 PR Newswire.
All rights reserved

Related medicine news :

1. Authentidate Holding Corp. to Report Fourth Quarter and Fiscal 2007 Year End Results on Thursday, September 13, 2007
2. Zimmer Holdings Offer and ORTHOsoft Directors Circular Mailed to Shareholders
3. China Holdings Appoints Ronald Shon Chairman of Advisory Board to Its Wholly-Owned Subsidiary China Power, Inc.
4. China Shenghuo Pharmaceutical Holdings, Inc. Begins Full-Scale Launch of 12Ways(R) Chinese Herbal Skin Care Product Line
5. AHPC Holdings, Inc. Announces Intent to Deregister Common Stock With Securities and Exchange
6. Siemens Announces Early Termination of Hart-Scott-Rodino Waiting Period For Acquisition of Dade Behring Holdings, Inc.; U.S. Antitrust Clearance Achieved
7. Platinum Underwriters Holdings, Ltd. to Report Third Quarter 2007 Results on October 23, 2007
8. Air Methods Completes Acquisition of FSS Airholdings, Inc., Parent Company of CJ Systems Aviation Group, Inc.
9. MIT Holding, Inc. signs partnership agreement with Georgia Southern University
10. Zimmer Holdings Announces Live Audio Webcast and Conference Call of Third Quarter 2007 Results
11. Autism Speaks Applauds Supreme Court Decision Upholding Families Right to Challenge IEPs Without First Trying Out School District Proposed Placement
Post Your Comments:
(Date:6/27/2016)... , ... June 27, 2016 , ... recently awarded ... Eyeglasses . , Millions of individuals in the United States and Canada wear ... a way to both correct vision and make a fashion statement. Even celebrities use ...
(Date:6/26/2016)... NC (PRWEB) , ... June 26, 2016 , ... Brent Kasmer, a legally blind and ... to be personalized through a fitness app. The fitness app plans to fix the two ... currently only offer a one size fits all type program , They don’t ...
(Date:6/25/2016)... ... 2016 , ... "With 30 hand-drawn hand gesture animations, FCPX users can easily ... of Pixel Film Studios. , ProHand Cartoon’s package transforms over 1,300 hand-drawn pictures ... . Simply select a ProHand generator and drag it above media or text in ...
(Date:6/25/2016)... ... June 25, 2016 , ... Conventional wisdom preaches the benefits of moderation, whether ... latter, setting the bar too high can result in disappointment, perhaps even self-loathing. However, ... their goal. , Research from reveals that behind the tendency ...
(Date:6/24/2016)... ... June 24, 2016 , ... ... Sessions in Dallas that it will receive two significant new grants to support ... as PHA marked its 25th anniversary by recognizing patients, medical professionals and scientists ...
Breaking Medicine News(10 mins):
(Date:6/23/2016)... , June 23, 2016  In a startling report released ... failing their residents by lacking a comprehensive, proven plan to eliminate ... a definitive ranking of how states are tackling the worst drug ... only four states – Kentucky , ... Vermont . Of the 28 failing states, three – ...
(Date:6/23/2016)... 2016 Research and Markets has announced ... Analysis 2016 - Forecast to 2022" report to their ... contains up to date financial data derived from varied research ... trends with potential impact on the market during the next ... which comprises of sub markets, regional and country level analysis. ...
(Date:6/23/2016)... DUBLIN , June 23, 2016 ... "Key Pharma News Issue 52" report to their offering. ... need in influenza treatment creates a favourable commercial environment for ... and growing patient base that will serve to drive considerable ... flu vaccine would serve to cap sales considerably, but development ...
Breaking Medicine Technology: