Health Insurance Option for Unemployed Individuals
Health Insurance Option for Unemployed Individuals
If you are unemployed, you can still find options for affordable health insurance. You may check into cobra which will help to convert your previous group health insurance policy into an individual insurance policy. There is also the state continuation plan which enables you to continue the coverage of your former group insurance plan for a particular time period.
But the problem exists when a person's previous employer did not offer any health insurance benefit while he is under the employment. Some employers do not offer health care programs for employees because this is not in general, a legal requirement. You may not also be eligible for a health benefit package if you are working as a part timer on your previous job.
If the former job you are in did not offer you any health insurance benefit, you may not be qualified to ask for assistance by using cobra, state continuation or conversion. Your most viable step for this matter is to contact the department of insurance in your state. This is for you to gain information regarding any health insurance plan that they provide for the unemployed, or one that is suitable for your budget. You may also ask if whether you are eligible for any health care sponsored by your state.
Several companies that are focused on making and distributing prescriptive medications have specialized programs to give assistance to people who are in dire need of prescription medicine but do not have the financial means to afford it. If you are familiar with your specific prescription medication company, you have the chance to contact them to gain more information. You may again contact the department of insurance in your state to ask for help and assistance if you are not familiar with the prescription medication company that you had in the past. These advices are essential for unemployed individuals who still want to avail of any health insurance benefits that they can afford.