by liaoyu03 » Sat Sep 08, 2007 05:52 pm
I recently lost my job due to layoffs. I am now staying at home with my 15 month old and we (my husband, my baby, and myself) do not have any insurance. Our insurance was through my job. We can't afford to do the Cobra Insurance - it is almost 1000.00 a month!
Do you have any advice on affordable insurance plans?
Do you have any advice on affordable insurance plans?
Posted: Tue Sep 11, 2007 02:29 am Post Subject:
Are you wanting low cost health insurance for all three of you or just your baby? If you are looking for just your baby there may be programs in your state that you may be eligible for. I know in California there is Healthy Families and also a kids health plan through Kaiser Permanente.
Posted: Tue Sep 11, 2007 10:46 am Post Subject: Cobra extensions
I understand that your premiums have now risen since you now have to spend for the entire amount of premium. So for the time you need to look for a short term health insurance plan till the point of time you find a job!
Believe me, these short term plans may help you sustain your coverage under your previous employer till the point of time you find another job. This could be done till 18 months with the support of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). Hope you got that! Fatman
Posted: Tue Sep 11, 2007 11:01 am Post Subject: Try it out!
Hi yeah!
What you need to know is that Cobra is not any insurance plan nor any insurance company. Cobra is an act which supports & guides unemployed people to avail the option of utilizing the same old health insurance benefits till they find a new earning opportunity! The short term policies they are talking about would cover you from hazards like surgery, hospital attention, emergency services, medical diagnosis, prescribed drugs, post-service attention, office visits!
Greta Joseph
Posted: Wed Sep 12, 2007 12:45 pm Post Subject:
I agree with DDH, contact your states Dept. of Family Services there has just got to be something there to help you ... Good luck honey.
Posted: Fri Sep 14, 2007 12:13 am Post Subject:
I know in our state, there is a Womens' and Childrens' program. You can get forumula heath needs met, etc., Check with your local health department also and see what they have to offer. I am betting every state has a state funded type of help ,especially for babies.
Good Luck to you!! Let us know what happens..KAren :D
Posted: Fri Sep 14, 2007 01:49 pm Post Subject:
You are confusing me You are making no sense 'life' one minute prior to this post you posted,
'I currently work as a customer service representative for an insurance company'
Which is it do you work or not?Posted: Fri Sep 14, 2007 04:53 pm Post Subject:
Maybe you can have your "girlfriend" you posted aboput in another post help you out.
This is getting ridiculous- you are forgetting what you are posting, and who you are-man, woman, working-not
But you are racking up the points! Karen
Posted: Sat Sep 15, 2007 05:01 am Post Subject:
This is an unfortunate situation for thousands of Americans just like you. As stated earlier your baby can probably qualify for benefits in your state. As far as the adults go, you will just have to shop for insurance. Your best best is for one of you to go to work and get benefits. If yall decide not to work then you may consider a company such as assurant health. They have some low cost plans sometimes cheaper than employers.
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