After losing my job, do I continue coverage with COBRA or go with an individual plan?

After losing my job, do I continue coverage with COBRA or go with an individual plan?
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1 Answer

Answer :

Before you change, check to make sure the new insurance will cover the preexisting condition. If it does, I would go with the cheaper option.
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Related questions

Regarding the new health plan, will larger companies downsize to eliminate the requirement to purchase health coverage for their employees?

Description : Regarding the new health plan, will larger companies downsize to eliminate the requirement to purchase health coverage for their employees?

Last Answer : A large company owner was interviewed on TV a few days ago. He has a lot of employees & he pays for their healthcare. It costs him about $300,000 a year to pay for it. With new plan, he could ... But not everyone is a good guy', so I see lots of companies taking the low road on this scenario.

Should I elect for Cobra?

Description : Should I elect for Cobra?

Last Answer : It is up to you to calculate the chances of needing coverage. If you have pre-existing conditions, COBRA is definitely a good thing as this will keep your coverage in place until your new ... check with your benefits admin how pre-existing conditions will be treated when your coverage rolls around.

How long do you carry full coverage insurance on your vehicle?

Description : How long do you carry full coverage insurance on your vehicle?

Last Answer : I drop Comp and Collision after about 6–8 years or when the value of the car is such that it probably wouldn’t be worth repairing if it was damaged. Liability of course, you keep forever.

Who has no health insurance coverage?

Description : Who has no health insurance coverage?

Last Answer : I don’t. I live in Australia. Woot it doesn’t matter yay!

If your country has socialized medicine does that mean you don't have to pay for coverage on your home owners and auto insurance?

Description : If your country has socialized medicine does that mean you don't have to pay for coverage on your home owners and auto insurance?

Last Answer : You do mean liability coverage don’t you because homeowners and auto cover a lot more than just liability?

Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Description : Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Last Answer : answer:It's been like that for a very long time. It didn't just start happening. If you get hired and you pass the probation period, they will give you the health benefits at that time. If he had been ... I'm not sure about the laws in your state. This is how it's been here since I can remember.

With the Affordable Healthcare Act, what happens if there is a gap in my coverage?

Description : With the Affordable Healthcare Act, what happens if there is a gap in my coverage?

Last Answer : answer:Can you (or his HR people) contact the Insurance Agent for his company to get a copy of the forms? Or can they send them to you in PDF format? Your situation is not likely to be ... ACA, but Consumer Reports has a site to help with some of the questions: http://www.healthlawhelper.org/

Cost of rhinoplasty, any chance for insurance coverage?

Description : Cost of rhinoplasty, any chance for insurance coverage?

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Question regarding New Jersey Continuation Coverage through Aetna?

Description : Question regarding New Jersey Continuation Coverage through Aetna?

Last Answer : answer:I e-mailed this to my husband who owns an insurance agency in New Jersey. This was his No, sorry I have no idea - we don't get involved directly in health insurance (we refer it to another ... as though he is hosed if his former employer doesn't cooperate. Sorry I couldn't be of more help.

Liability Insurance vs. Full Coverage?

Description : Liability Insurance vs. Full Coverage?

Last Answer : To replace or repair your car if it's damaged or totaled. If your car is not worth very much money the comprehensive may not be worth the expense. If it's worth more than 4 or 5 thousand you ... on Kelly Blue Book and see if the cost of replacing you car is worth the expense of the insurance.

Should I get collision and/or comp coverage on my 98' Nissan?

Description : Should I get collision and/or comp coverage on my 98' Nissan?

Last Answer : 230*3=690 690+500=1190 if you think you will get in a wreck in the next three years and you think you will have to fix it and the price is greater than 1190 then the insurance is worth it.

How to get individual insurance with a pre-existing condition?

Description : How to get individual insurance with a pre-existing condition?

Last Answer : Good luck. Talk to the Republicans (who don’t have that problem based on their government backed health care.)

What do I do if I am unable to do my job after a car accident?

Description : What do I do if I am unable to do my job after a car accident?

Last Answer : What country do you live in? Different governments have different rules on how this type of situation is to be handled.

Can I own a car without a licence or insurance if I don't plan to drive it?

Description : Can I own a car without a licence or insurance if I don't plan to drive it?

Last Answer : I don’t know the laws in Canada but in the US (California anyway) you would have to file an affidavit stating that the car was non operative. You can get XM on a handheld device and if you want to spend money on a nice chair you can

Do you have any advice for me on the choice of a Medicare supplemental plan?

Description : Do you have any advice for me on the choice of a Medicare supplemental plan?

Last Answer : answer:@Jeruba, if you get an opportunity to read this brochure, it may help. http://www.medicare.gov/publications/pubs/pdf/02110.pdf

Does this health plan mean that folks who don't want insurance still have to buy it?

Description : Does this health plan mean that folks who don't want insurance still have to buy it?

Last Answer : You buy a plan or pay a fine.

Why is it wise - or foolish - to plan for things that might never happen?

Description : Why is it wise - or foolish - to plan for things that might never happen?

Last Answer : ooh ooh, I inspired this

What should I look for in choosing a Health Insurance Plan?

Description : What should I look for in choosing a Health Insurance Plan?

Last Answer : I like having a PPO plan so I can see whatever doctor that participates in the plan. RX coverage is often covered but always check, never assume. There’s a lot of variation in dental plans. If you have a dentist you like, just ask them what plan they’re on.

Would you hire someone who lost their job at Walmart for helping someone?

Description : Would you hire someone who lost their job at Walmart for helping someone?

Last Answer : It’s Bud Light. Imo it’s so petty to go on a foot chase with a thief let alone on a truck ride! That’s what the police are for.

New job, how do I smartly choose the best health insurance option?

Description : New job, how do I smartly choose the best health insurance option?

Last Answer : answer:Congrats! Hope you like the new job. PPO generally gives you better rates/copays for staying in their network of preferred providers (doctors with whom the health insurance company has negotiated favorable ... m 90% certain the above is correct, but talk to your HR manager to be 100% sure.

How long does it take for car insurance costs to go down after recieving a DUI?

Description : How long does it take for car insurance costs to go down after recieving a DUI?

Last Answer : Have you called your car insurance to ask them?

How should we go about fixing the scratch on our car?

Description : How should we go about fixing the scratch on our car?

Last Answer : Insurance will have a deductible that it may be under. I would take it back to the dealer and see what they suggest. They may fix it for not too much or tell you what you can do.

What would be a good quote to go on an insurance company's website?

Description : What would be a good quote to go on an insurance company's website?

Last Answer : answer:The last insurance quote I got was $6,000 for my mother’s 12 year old car after she literally ran into a brick wall. That was a good quote. Sorry, couldn’t resist. Nobody was hurt, thank goodness.

Where can people without insurance go to get prescriptions filled cheaply?

Description : Where can people without insurance go to get prescriptions filled cheaply?

Last Answer : In our town Costco has the lowest prices. Walmart has a $4 program for many drugs. For people who use prescriptions long term they can go directly to the drug company and get free or reduced rate ... I didn't know all that. It was hell getting that information when my son was without insurance.

What does it take for you to go to the doctor and/or vet?

Description : What does it take for you to go to the doctor and/or vet?

Last Answer : I tend to take my pet more readily than myself. I have had a sore back for weeks, and just recently consulted my physician. I took my dog the minute he seems to have some sort of infection on his back.

Is pet insurance really the way to go?

Description : Is pet insurance really the way to go?

Last Answer : Not necessarily. Having investigated the major pet insurance providers as a possibility for our clients, I can tell you that they may not be the best option for pet owners. However, for owners with accident ... best. You'll have to look at the various options offered and decide what's best for you.

I was in a no fault fender bender yesterday in which the car behind me hit me as I avoided another car. I was skidding on ice and was sliding down the road perpendicular to the lanes. Will my insurance go up?

Description : I was in a no fault fender bender yesterday in which the car behind me hit me as I avoided another car. I was skidding on ice and was sliding down the road perpendicular to the lanes. Will my insurance go up?

Last Answer : no.. (i think not) well.. it depends on what the inspector sent by the insurance company thinks about it.

What do you do when you go to your in network doctor and he sends bloodwork to out of network facility !

Description : What do you do when you go to your in network doctor and he sends bloodwork to out of network facility !

Last Answer : Billadvocates.com or google MBAA (medical billing advocates of America)

Does Home Insurance cover the expense of living after home damage due to Flood?

Description : Does Home Insurance cover the expense of living after home damage due to Flood?

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How should I proceed after getting in an accident?

Description : How should I proceed after getting in an accident?

Last Answer : answer:My guess is he doesn’t have insurance. He’s trying to avoid getting in trouble with the law. However, it sounds like the damage is relatively minor. Maybe you could find replacement bumper at salvage, or on the internet somewhere.

Did Hobby Lobby provide for IUD's, the "morning after" pill, etc. before the ACA went into effect?

Description : Did Hobby Lobby provide for IUD's, the "morning after" pill, etc. before the ACA went into effect?

Last Answer : Yes, but they stopped in 2012 when they filed the lawsuit. I can’t find where I originally read it, but here’s one source from googling: http://www.politifact.com/punditfact/statements/2014/jul/01/sally-kohn/did-hobby-lobby-once-provide-birth-control-coverag/

Can an insurance company cancel your policy or raise your rates after a roof claim?

Description : Can an insurance company cancel your policy or raise your rates after a roof claim?

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Description : What action do I take after falling at work?

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Will adults with disabilities be able to keep their parents insurance for life or after twenty six?

Description : Will adults with disabilities be able to keep their parents insurance for life or after twenty six?

Last Answer : It will not matter. Under the new Health plan you can not be turned down due to a preexsisting condition. Thanks Mr. President

What happens if your stolen artwork gets returned after long period of time?

Description : What happens if your stolen artwork gets returned after long period of time?

Last Answer : I believe the Insurance company owns the paintings, or the person who received payment has to pay it back.

If I have CHIP or Medicaid that covers the three days that I was in the hospital, should it cover my tubal ligation as well even if this will be 6 weeks after giving birth?

Description : If I have CHIP or Medicaid that covers the three days that I was in the hospital, should it cover my tubal ligation as well even if this will be 6 weeks after giving birth?

Last Answer : Which state are you in?

I'm in NY. Am I covered by COBRA if I voluntarily quit my job?

Description : I'm in NY. Am I covered by COBRA if I voluntarily quit my job?

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Do you have pet insurance?

Description : Do you have pet insurance?

Last Answer : What company is doing pet insurance?

What's the best way to obtain insurance for a first-time car buyer?

Description : What's the best way to obtain insurance for a first-time car buyer?

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How to sell "security" technologies to banks, insurance companies or FinTechs (tips and tricks)?

Description : How to sell "security" technologies to banks, insurance companies or FinTechs (tips and tricks)?

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Would the following description given in "Without a Hitch" by Andrew Price be realistic?

Description : Would the following description given in "Without a Hitch" by Andrew Price be realistic?

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Is it insurance fraud to have insurance but choose to self pay for medical services?

Description : Is it insurance fraud to have insurance but choose to self pay for medical services?

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Find old insurance policy information?

Description : Find old insurance policy information?

Last Answer : Good luck. You might find evidence of this in corporate records, if they still exist. But no insurance company would pay out on the basis of that sort of evidence. If it's flood insurace - that's ... (fire, theft, etc.) is likely long lost, since the policies would have expired 50 years ago.

Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Description : Can a life insurance company deny payment to someone who has chosen NOT to get the Covid vaccination?

Last Answer : Suicide is defined by intent. If you kill yourself by accident (reckless driving, extreme sports, accidental overdose, etc.), life insurance would likely pay out to your beneficiaries. If there is evidence ... not their intended outcome - so, no. (All this courtesy of my law school graduate wife)

Is AAA accident insurance a good idea?

Description : Is AAA accident insurance a good idea?

Last Answer : Here’s a good source of car insurance reviews .

How do you approach bosses to let them know they’re wrong?

Description : How do you approach bosses to let them know they’re wrong?

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My iPhone was stolen and my insurance has not yet provided a voucher number. How do I procede with this?

Description : My iPhone was stolen and my insurance has not yet provided a voucher number. How do I procede with this?

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If you had a chance to shame Congress into doing the right thing, what right thing would you choose?

Description : If you had a chance to shame Congress into doing the right thing, what right thing would you choose?

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What do you think about my following speech about health care (in other words, details if you click)?

Description : What do you think about my following speech about health care (in other words, details if you click)?

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What is the purpose of a doctor referral?

Description : What is the purpose of a doctor referral?

Last Answer : They have data that says that if your primary physician is maintained as a gatekeeper, it cuts down on utilization. Less utilization, more money for the third party payer.