Health Ins expiring...need advice
Comments
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Not sure if you're
Not sure if you're unemployed on SS disability or your job disability. but if you're unemployed the gov't has a relatively new program where they pay 65% of your COBRA coverage for 9 months. Unfortunately, it's only if you're unemployed. That happened to me, my coverage went from $140/month to $957/month COBRA while I was on disability. I really had no choice but to return to work because I was not eligible for that program because I wasn't "unemployed".
-Sheri0 -
Insurance
Well, I'm so sorry you have to worry about insurance at a time like this. The important thing to remember is, in most cases, you can not have a lapse in insurance coverage with a cancer diagnosis. If there is a lapse and then you get coverage it will fall under the pre-existing condition, if covered at all. The government program mentioned on the earlier reply sounds interesting. I've not heard about it but if I were you I would investigate that option. If you happen to live in Texas, I know that M D Anderson in Houston will see you and continue your treatment as long as you can agree to a payment plan. They are very flexible. You will remain in my thoughts and prayers. Good luck.
Janet0 -
Any of the followoingJanet3 said:Insurance
Well, I'm so sorry you have to worry about insurance at a time like this. The important thing to remember is, in most cases, you can not have a lapse in insurance coverage with a cancer diagnosis. If there is a lapse and then you get coverage it will fall under the pre-existing condition, if covered at all. The government program mentioned on the earlier reply sounds interesting. I've not heard about it but if I were you I would investigate that option. If you happen to live in Texas, I know that M D Anderson in Houston will see you and continue your treatment as long as you can agree to a payment plan. They are very flexible. You will remain in my thoughts and prayers. Good luck.
Janet
Prior Military Service? State Medical Insurance for low income famlies? SS?
Good luck to you, I am in the same boat, and still working...0 -
Excerpt...
You can research this, but this is an excerpt....
On February 17, 2009, President
Obama signed into law the American
Recovery and Reinvestment Act of 2009
(ARRA). The Act contains legislation
that amends the Consolidated Omnibus
Budget Reconciliation Act (COBRA).
Employees who lose group health plan
coverage due to involuntary termination
will now be eligible for a 65% federal
subsidy payment toward the cost
of their COBRA premiums. The termination
must occur between September
1, 2008 and December 31, 2009. The
employee will pay 35% of the premium
cost under the plan’s normal payment
procedures. The entity that receives
the 35% payment (ex.- employer, multiemployer,
or insurer) is then entitled
to receive the 65% subsidy as either a
payroll credit or refund payment.
Eligible employees may receive the
subsidy up to nine months or until the
individual becomes eligible for another
group health plan or Medicare. The
subsidy applies to both federal COBRA
and similar state continuation coverage.
The subsidy applies to all group
health plans offered through continuation
coveragcoverage except for health FSA
coverage.
Within 60 days of the Act’s enactment
date, the group health plan must send
a notification to those individuals who
were involuntarily terminated since
September 1, 2008 and who would be
eligible for the subsidy payment. Those
who are not currently continuing coverage
through COBRA would be given
a new election period that ends 60 days
after the date of the notice. The coverage
would be effective on the first period
of coverage following the enactment
date. The period of coverage for most
plans is monthly. Thus, the first period
of coverage following the enactment
date will typically be March 1, 2009. If
the COBRA election will result in a gap shall be disregarded for purposes of
pre-existing condition exclusions. The
maximum period of coverage under
COBRA is not extended. The 18-month
period of coverage would continue to
be counted from the original qualifying
event.
The Department of Labor and Health
and Human Services are expected to
release a model notice within 30 days
of the Act’s effective date. Going forward,
a plan’s COBRA Election Notice
should be revised to include an explanation
of the eligibility, provisions, and
conditions of the subsidy program.
of 63 days or more, the gap in coverage0 -
SSI
Hello, and welcome! I don't know what type of disability you're receiving, but if it's SSI/SSA, you will automatically be accepted for Medi-Cal. You can always apply for SSI/SSA, but it's a bugger to get if you're not stage IV. If you are stage IV, you will qualify for SSI/SSA, and also get Medi-Cal.
Hope this helps!
Hugs,
Krista0
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