Insurance - Health Insurance help
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haaris
06-04-08, 05:12 AM
I want to move out of state, and I am actually thinking about quitting my job and starting over. How long will my insurance cover me before I must pay out of my pocket, and does it carry over like that? Does it depend on the company and the type of insurance I have? I have never done this before, so I am unsure.
It is hard for companies to take me seriously out of state, when I am looking for jobs......They are pretty much hiring people that are already in the area so I don't really know what to do. The area I want to live does not have facilities even close to where I want to move too for transfer. Or should I just look for the closest facility? Which would mean more than one move!!
I am nearing 50, single/no children with avg health so I am taking a huge risk relocating w/o anything, can anyone help? I have BC/BS right now.
THANK YOU SO MUCH
It is hard for companies to take me seriously out of state, when I am looking for jobs......They are pretty much hiring people that are already in the area so I don't really know what to do. The area I want to live does not have facilities even close to where I want to move too for transfer. Or should I just look for the closest facility? Which would mean more than one move!!
I am nearing 50, single/no children with avg health so I am taking a huge risk relocating w/o anything, can anyone help? I have BC/BS right now.
THANK YOU SO MUCH
Whitenack
06-04-08, 05:57 AM
Are you currently insured in a group? In other words, are you an employee that is covered under the employer's plan?
If so, it depends on how nice your current company is. Technically, you go on COBRA (temp insurance) immediately upon termination. At that point, you are responsible for the health ins. premiums.
If so, it depends on how nice your current company is. Technically, you go on COBRA (temp insurance) immediately upon termination. At that point, you are responsible for the health ins. premiums.
twelvepole
06-04-08, 06:02 AM
If you are currently covered by group insurance, the personnel office can explain to you about what happens to your coverage when you terminate employment. If covered by BC/BS, you can pick up the policy on your own. It will likely cost you more because you will not get a group discount. With luck, your new employer will offer group insurance. If wanting to shop for insurance coverage, your yellow pages will list health insurance brokers in the area to which you are moving.
Integrator97
06-06-08, 10:47 PM
If you have it through work, and they are paying part of the premiums, it should be a group policy (legally it has to be, if they are paying part of it).
Assuming it's a group policy:
If it's a large company, you will have the option of COBRA. Generally you pay all the premium, and they can even charge a fee for processing. I forget the amount, it's a few percent. You can be on COBRA for 18 months, if I'm not mistaken.
If it's a small company (i think it's under 50, but I'm not sure), then you don't get COBRA, but they have to do "continuation". Basically it's the same as COBRA, but only for 90 days.
They don't have a choice in these, it's federal law. The only option they have is if they want to charge you the administration fee or not, and how much up to the limit.
Assuming it's a group policy:
If it's a large company, you will have the option of COBRA. Generally you pay all the premium, and they can even charge a fee for processing. I forget the amount, it's a few percent. You can be on COBRA for 18 months, if I'm not mistaken.
If it's a small company (i think it's under 50, but I'm not sure), then you don't get COBRA, but they have to do "continuation". Basically it's the same as COBRA, but only for 90 days.
They don't have a choice in these, it's federal law. The only option they have is if they want to charge you the administration fee or not, and how much up to the limit.