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Bellaocchi
Hope Faith Love
Member since 2/07 5694 total posts
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If you are out of work and do not have health insurance
coverage..are you under your spouses insurance? If that was too expensive, what affordable plans are out there? I tried assurant health, but it is not available in NY yet.
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Posted 12/16/08 9:36 AM  |
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LittleBlueBug
Happy Mommy
Member since 9/06 4074 total posts
Name:
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Re: If you are out of work and do not have health insurance
There's family health plus and medicaid. I think FHP may look at your previous income level though. Have you looked into COBRA?
I'd say to make sure you have continuous coverage try medicaid for a while. It does it's job until you can get re-insured.
Honestly when I was unemployed or waiting for my Ins to kick in I just went without. Had something serious happened, that would have stunk, but they can not turn you away because of lack of insurance and I know certain health systems will provide service for charity if you qualify. COBRA was just waaaay too expensive for me at the time. Had I not had another position lined up that would insure me, I would have gone on medicaid.
ETA: Sorry to hear about your job I hope you find something soon. Sending good job vibes
Message edited 12/16/2008 10:44:10 AM.
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| Posted 12/16/08 10:42 AM |
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MeNBobs
*****
Member since 4/07 3765 total posts
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Re: If you are out of work and do not have health insurance
Did you look into Healthy NY .
I was out of work for a while I wasn't eligible for Healthy NY so I had a bad GHI plan. I was only covered for emergency service and it was around $400 a month  .
Message edited 12/16/2008 10:50:49 AM.
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| Posted 12/16/08 10:49 AM |
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LittleBlueBug
Happy Mommy
Member since 9/06 4074 total posts
Name:
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Re: If you are out of work and do not have health insurance
Posted by MeNBobs
Did you look into Healthy NY .
I was out of work for a while I wasn't eligible for Healthy NY so I had a bad GHI plan. I was only covered for emergency service and it was around $400 a month .
The problem w/ healthy NY is you have to work or make under a certain amount. Also you can't have coverage in the past 12 months. I used to be on the plan and had to submit pay stubs to ensure my income and proof of insurance. Also I needed something from my employer stating that health insurance isn't offered to me.
Getting something that covers emergancies isn't necessarily a bad idea, since that's when health insurance is the most valueable. The once-in-a-while visit to the doctor for a cold does not get expensive enough to warrent a really expensive policy if you are out of work. Plus, depending on where you live, there are walk-in clinics you can go to. I know that's not the most desireable, but again the important thing is that you get care. I would look into medicaid and family health plus though. In grad school I knew a bunch of people on it and they were not working.
Message edited 12/16/2008 11:00:54 AM.
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| Posted 12/16/08 11:00 AM |
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photoshopbabe
wow....
Member since 5/07 2197 total posts
Name:
linda
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Re: If you are out of work and do not have health insurance
honestly...im not on DHs...it will cost him more money to put me on it, and its really NOT worth it for me. i dont go to doctors, i hate them, so really, wahts the point?
i know-accidents happen buttt its really too much to put me on right now.
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| Posted 12/16/08 11:06 AM |
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LINewbie
Tigger the the Rescue!
Member since 8/08 5647 total posts
Name:
LB
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Re: If you are out of work and do not have health insurance
I just got laid off, I am on DH's insurance and he was on mine, so I'll just be on his until I get a new job.
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| Posted 12/16/08 11:34 PM |
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Sassyz75
Turning a new page
Member since 5/05 9731 total posts
Name:
Dina
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Re: If you are out of work and do not have health insurance
My DH just got laid off- our whole family was on his policy- it's 1000/month for cobra for the 3 of us- not sure how they expect you to pay for that when YOU DON'T HAVE A JOB!!! It's so ridiculous!
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| Posted 12/17/08 6:22 AM |
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