What to Do If You Have a Lapse in Health Insurance Between Jobs


Whether y have lost your job and need health insurance while waiting for the next opportunity or you have just landed a new job but your insurance does not kick in for the next weeks or months, you have to understand life has to continue which is why you need to figure out an alternative. There are several coverage options available that you can consider if you have a lapse in health insurance between jobs. Being uninsured for up to three months is considered a felony in some states and you could be penalized but it all depends on where you are staying. Here are a few health insurance options you should consider between jobs.
Short-term health insurance is one type of coverage you can consider between jobs. Click this more articles to learn about health insurance. If you are looking for health insurance for a short time and you cannot afford a major plan, this is the perfect alternative for you. Although short-term health insurance covers a variety of medical services, it is not as expensive as major plans because it does not cater for pre-existing health conditions. You can apply for short-term health insurance at any time, you have an option to renew it for two additional years, and you get to start enjoying the benefits immediately.
Cobra is another health insurance option you can consider when you are between jobs. This is a health insurance plan that helps employees that have recently lost their jobs or are experiencing qualifying circumstances to maintain their job-based health insurance for a limited time. To get more info, click https://blog.verahealth.com/.  Any employee that has recently lost his or her can qualify for the Cobra health insurance plan provided the firm they worked for have at least twenty employees. Apart from Cobra's health insurance, you should consider the health insurance marketplace to help you get between jobs. You will have access to different medical plans which you can choose from depending on what meets your needs.
Medicaid is another health insurance option that can help you get between jobs and avoid a lapse in your insurance. This is a health insurance option for low-income earners, people with disabilities, children, and pregnant women. To qualify for Medicaid, your income and residential state are the two major factors that are considered. One great thing about Medicaid is that you are allowed to apply at any time, the only downside being that not all doctors accept it. It is still a great way to avoid a lapse in your health insurance. These are some of the things you can do if you have a lapse in your health insurance. Learn more from https://www.reference.com/article/health-insurance-49976ea005d97722?aq=Health+Insurance&qo=cdpArticles.

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