Unemployed Health Insurance - When Affordability and Coverage Matter Most

 Finding health insurance when you're unemployed presents some challenges. First of all, affordability is a key issue, because they have recently lost their income or don't currently have an income. On the other hand, it's important to have good coverage in case of a major medical event.

 

Affordability

 

Most likely there are many types of plans you have available to you or your family. The most common types of plans are plans that offer full-benefits. These types of plans cover your office visits and your prescriptions before the deductible and have a relatively small medical deductible that you must pay for hospital visits, surgeries, major diagnostic tests, and other major services. The other type of plan is catastrophic health insurance.

 

Full Benefit Plans

 

Even if you are concerned about price, there are some full benefit plans that are affordable. It's a good idea to look for a plan that has a higher medical deductible such as $1,000 or $1,500. Also, look for a plan that has higher office visit co-pay such as $25.00, $35.00, or $50.00 per office visit. You may want to consider taking a prescription deductible. If your insurance company offers you a choice of doctor networks it's a good idea to find a good balance between a decent sized network and an affordable price.

 

Catastrophic Health Insurance Plans

 

If you are looking for optimal affordability, a catastrophic health insurance plan may be the best fit. Although these plans don't typically cover office visits or prescriptions before the deductible, some do cover preventive care. Best of all the price for these plans is usually very low. Many catastrophic plans cover 100% of your medical expenses after you meet the deductible. This ensures that you have excellent major medical coverage at an affordable price.

 

Most insurance companies don't care if you are unemployed or not. Typically health insurance contracts state that as long as you pay the premium your coverage will continue. Your temporary income dip shouldn't affect your eligibility.

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