Layoffs, unemployment, getting fired. These are just some of the effects of the recent economic recession. And, if you're one of the thousands relying on health insurance to take care of you and your family's medical needs, getting laid off is a scary thing. But while most people think that there is no health insurance unemployed plans, rest assured that you do have options in case you find yourself with no job. There are many affordable health insurance quotes that can fit your budget, no matter how small. Here are some options you might want to look at if you want insurance but are unemployed.
* Study your spouse's health insurance plan. If your spouse still has a job, you can ride on his health insurance plan. Simply call and agent of the carrier and ask how you can be included in your spouse's health insurance plan. You may be added as a dependent to your spouse's plan during open enrollment. Remember, though, that pregnancy is considered as a pre-existing condition. So, it's best to have yourself added before you consider getting pregnant.
* Inquire about your state's policies on health insurance. There are some states that can give you cheap health insurance unemployed plans. This of course, depends on where you live. You may also want to look at COBRA (Consolidated Omnibus Budget Reconciliation Act). COBRA allows you to extend your period of coverage for a specific time period. This becomes available to you as soon as a certain event (such as lay-offs) causes you to lose your group health insurance.
* You can also go for temporary health coverage. If you don't have a liquid budget, it's best to purchase a temporary health insurance plan. This can at least cover your health and medical situation, at least until you get a new job. Ask around for affordable health insurance quotes for temporary health insurance unemployed plans. Many websites and agents offer this alternative.
* Check if you are eligible for job loss insurance via HIPAA (Health Insurance Portability and Accountability Act of 1996). If you are eligible for HIPAA, you can convert the group plan given to you by your company into an individual plan. You have to remember though, that you cannot have both COBRA and HIPAA benefits at the same time. You must first use up all your COBRA benefits before you can be eligible for HIPAA.
* Individual health insurance is a good option if you are unemployed. Look for a health insurance unemployed plan and ask for affordable health insurance quotes. There are a lot of cheap health plans that have good coverage. You might even find one that includes prescription drugs or maternity benefits. It's best to shop around and ask the help of an agent.
Times can be tough. But just because your boss has let you go doesn't mean that you have to let go of your health insurance plan as well. Keep your family's wellbeing protected even if you're unemployed by asking for affordable health insurance quotes. There are a lot of options you can look at to make sure that you still get medical insurance even without a job.
About the Author:Are you unemployed and uninsured? Shop around for a health insurance unemployed plan. We can give you the most affordable health insurance quotes.
