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Discount Medical Health Plan Options For The Unemployed
Posted by | Posted in Medical Health | Posted on 24-05-2010
Losing a job is one of the most stressful things a person can go through. With it, there is an abundance of hardships and headaches a person has to endure, and it often can be difficult for many to handle. After a job loss you have a barrage of disheartening troubles and burdens on your shoulders. You now have to worry about finding another job, paying your bills, putting food on your table, and probably the scariest aspect of unemployment, how you are going to be able to get your family medical treatment if they fall ill. Luckily, there are options for unemployed individuals to obtain a cheap health plan during this unfortunate period.
COBRA:
COBRA stands for Consolidated Omnibus Reconciliation Act, a federal law that has been in effect since 1986. Under this law, many employees and their dependents are able to continue on an employer’s group health plan, even after the coverage was set to end. There quite a few events that would warrant an insurance company to offer COBRA coverage. One of the most common reasons is the when the employee is voluntarily or involuntary terminated (with no issues of misconduct). For more information on COBRA benefits and if you would be eligible, it’s best to contact your insurance provider.
Purchasing Individual Health Insurance:
There are many Individual medical health plans on the market today that available to individuals who don’t have access to job-based coverage. These individual plan may not have as cushy packages as the employer-based plans, but they are often much more affordable than a formal policy from a big insurance company. To help out with savings there are also discount medical health plans that are essentially discount membership programs. These membership programs are great for providing even more discounts for those with existing insurance plans who need a little more help with costs that aren’t covered fully under their plan.
Medicaid:
Medicaid is a government option that provides medical care for families with low-incomes. It became law in 1965 and is partially funded by the federal and state governments. There are several criteria for qualifying for Medicaid. These criteria include age, whether you are pregnant, disabled, blind or elderly. The program is state-administered so every state has it’s own guidelines and criteria. However, in ordered to receive federal funding, certain states must offer certain services like doctor visits, in-patient and outpatient hospital services, and long-term care services such as nursing homes.
Additional services, like prescription drug coverage, are state-based options and vary. If you end up qualifying for Medicaid, and don’t have prescription coverage, you can always look into the aforementioned discount medical health plans which offer discounts on prescriptions to members.
Alternative Healthcare Solutions:
As previously mentioned a health discount plan is a viable option for an uninsured or underinsured individual for many reasons. The two main reasons are that you can save a substantial amount of money, and any one can qualify, regardless of pre-existing conditions. These medical cards are available to any individual for a low-monthly fee and can save the card-holder substantial amounts of money on doctor visits and prescriptions.
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Help answer the question about medical health
How small does a company have to be to NOT offer health/medical insurance?I always thought that if a company has 20 or more employees at a SINGLE location, they have to offer health/medical insurance to ALL the eployees. I work in a store that employs 25 people, and only the managers are offered insurance.
I live in the state of WV, if that helps, although I could have sworn it was a Federal law, but I could be wrong.
Where would I look on the internet to find out this information? I need to clarify a few things…first, my employers own 5 Dairy Queens, 5 car washes, 2 other ice cream places, about 3 oil change places, not to mention the emplyees in the home offices. In my store alone, there are about 25 employeess. What I'm most confused about is, is it when the single location has "X" number of employees that the employer is required to offer insurance, or when the comapany as a whole has more that "X" number of employees? I had to have surgery last year, and because I was not offered insurance, I now have to work two full time jobs to pay the bills. My new, second job offers insurance, but because the first one didn't, and they should have, do I have legal recourse to ask job #1 to pay the bills, and offer all the employees insurance?
Last I heard, there is no government health plan in the works. Lieberman managed to kill it.
Meanwhile, there are still 2 different plans b/n House and Senate and we won't know what the outcome is until they are reconciled.
Physical Therapist is pretty easy and doesn't require much schooling. The schedule is also quite flexible, so you can have more time w/ your family.
First off, the age which you could be dropped will vary by situation and company, and state. Some companies will drop you at 18 if you're not in school while others will let you go until 30 whether you are in school or not.
Not all full time jobs have insurance benefits. Some part time jobs do have insurance benefits.
Part of the healthcare bill stipulates that all insurance companies in all states must allow adult children to stay on their parent's policy until age 26. This will go into effect when your policy renews after 9/23/10 although some insurance companies have already started as of June 1.
How you go about getting your own policy – Visit a local agent that works with all of the major companies in your area. The agent can find the best policy for your situation and budget. They can explain what you get and, more importantly, what you don't get with each policy. There is no extra charge using an agent. You should do this anyway because in most cases an 18 year old can get their own policy much cheaper than being on their parents.
x-ray tech, thats what Im going for.
Here's some different health careers with their training required, average salary, and links to their US Dept of Labor job description, duties, and job outlook:
1) Physician assistants need at least a 2 year degree, better if you have a 4 year degree before applying for the 2 year PA training program. They make about $69,410 a year. http://www.bls.gov/oco/ocos081.htm
2) Physical therapists need at least a 4 year degree, and many now need 2 years of graduate school as well. They make about $60,000 a year. http://www.bls.gov/oco/ocos080.htm
3) Radiation Therapists: A Radiology therapist needs a 4 year degree and makes $58,000 a year.
http://www.bls.gov/oco/ocos299.htm
4) Nuclear Medicine Technologists: You need a 4 year degree. Annual Pay: $56,000 http://www.bls.gov/oco/ocos104.htm
5) Diagnostic medical sonographers need at least a 2 year associate degree and make $52,490 a year. http://www.bls.gov/oco/ocos273.htm
Have fun!
YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here http://www.HealthInsuranceIdeas.info to solve my similiar problem.
health-quotes.talk4fun.net – here is my health insurance plan. As I remember they can provide such a service.
Polio
It is the plans for changing health care for seniors and others./