Comments on: what do people do about the medical insurance when changing jobs? http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs/ Health Insurance Answers Mon, 08 Dec 2008 22:06:32 +0000 hourly 1 By: Dirty Martini http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-369 Dirty Martini Sun, 23 Nov 2008 04:31:39 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-369 Your former employer will have to offer you COBRA. The problem with COBRA is that it is very expensive--you are paying the cost of the full premium yourself. (Usually when you are employed your employer pays between 70-80% of the premium and the amount you pay is usually on 20-30%). You could go on line and look for an "individual" insurance policy with a high deductible....the premium won't be too bad....and keep your fingers crossed you don't have an emergency medical situation arise.... Your former employer will have to offer you COBRA. The problem with COBRA is that it is very expensive–you are paying the cost of the full premium yourself. (Usually when you are employed your employer pays between 70-80% of the premium and the amount you pay is usually on 20-30%).

You could go on line and look for an “individual” insurance policy with a high deductible….the premium won’t be too bad….and keep your fingers crossed you don’t have an emergency medical situation arise….

]]> By: Carol S http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-368 Carol S Fri, 21 Nov 2008 04:36:32 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-368 Not sure there is an economical way since insurance is so high but you might contact the company you are with now and see if you can work something out with them until the new insurance kicks in. When I was working, my insurance always went to the end of the month I left in because the premiums were already paid for the whole month so if I left on the 20th, I still had coverage through the last day of that particular month. I've never heard of anyone cancelling the same day someone left so that's a new one on me. Not sure there is an economical way since insurance is so high but you might contact the company you are with now and see if you can work something out with them until the new insurance kicks in.

When I was working, my insurance always went to the end of the month I left in because the premiums were already paid for the whole month so if I left on the 20th, I still had coverage through the last day of that particular month. I’ve never heard of anyone cancelling the same day someone left so that’s a new one on me.

]]> By: clwg1953@sbcglobal.net http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-367 clwg1953@sbcglobal.net Thu, 20 Nov 2008 11:34:07 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-367 Do you pay part of the medical insurance premiums, or does your employer pay them all? When I moved to a different company and paid part of my premiums I was always paid up through the next quarter. You should be able to purchase your insurance in advance until your new insurance covers you, check it out with HR, ask them about the COBRA. It may be worth it in case of an emergency. Plus, check out where things stand as far as pre-existing conditions are concerned with the new insurance. Look up COBRA on-line! Do you pay part of the medical insurance premiums, or does your employer pay them all? When I moved to a different company and paid part of my premiums I was always paid up through the next quarter. You should be able to purchase your insurance in advance until your new insurance covers you, check it out with HR, ask them about the COBRA. It may be worth it in case of an emergency. Plus, check out where things stand as far as pre-existing conditions are concerned with the new insurance. Look up COBRA on-line!

]]> By: redvelvetflames4ever http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-366 redvelvetflames4ever Wed, 19 Nov 2008 16:12:54 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-366 Resignations are not covered under COBRA so they are under no obligation to offer you any further medical benefits after your last day of work. You can make the request if they are willing to allow you to stay on there benefit plan at your expense. Resignations are not covered under COBRA so they are under no obligation to offer you any further medical benefits after your last day of work. You can make the request if they are willing to allow you to stay on there benefit plan at your expense.

]]> By: Colette B http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-365 Colette B Wed, 19 Nov 2008 05:06:21 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-365 You will be offered COBRA coverage from your current jobs insurance. It will be very expensive. Make sure to keep the insurance to cover you through your 4 months probation period at your new job, if you can afford it. If it expires for even one day, you may have a problem with "pre-existing" conditions but if the insurance never lapses, you will not have that problem. Good luck with your new job. You will be offered COBRA coverage from your current jobs insurance. It will be very expensive. Make sure to keep the insurance to cover you through your 4 months probation period at your new job, if you can afford it. If it expires for even one day, you may have a problem with “pre-existing” conditions but if the insurance never lapses, you will not have that problem. Good luck with your new job.

]]> By: purpledeucegirl06 http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-364 purpledeucegirl06 Tue, 18 Nov 2008 12:03:16 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-364 Nick G is right. They have to offer you COBRA which lasts for like 18 months but you have to pay a premium for it. Nick G is right. They have to offer you COBRA which lasts for like 18 months but you have to pay a premium for it.

]]> By: nutinbuthtegrit http://healthinsuranceblogtoday.org/health-care/what-do-people-do-about-the-medical-insurance-when-changing-jobs//comment-page-1#comment-363 nutinbuthtegrit Mon, 17 Nov 2008 21:26:30 +0000 http://healthinsuranceblogtoday.org/ps/107#comment-363 Very rarely can it be afforded but ask your current emplyer about COBRA insurance. Very rarely can it be afforded but ask your current emplyer about COBRA insurance.

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