We know that we all are worried about the recent direction the U.S. economy has taken. Now, not only do you have to worry about your job security but also the cost of your health insurance. Or worse, if you would even have health coverage at all if you were to be laid off. But not to worry, we have cheap, simple and quick solutions for this problem - For more information see below.
Option One: Continue With Group Coverage
If you have employer provided health coverage, upon unfortunate termination you many have the option of continuing coverage through COBRA with an additional cost. COBRA is a law which extends the company sponsored group insurance if for any reason your job was to be terminated. Though, you can still have the same coverage, you usually have to pay the whole premium out of your pocket and it's usually higher then what the company has to pay for it. For this option you have to coordinate with your company insurance coordinator. This would be a good option if yourself or a family member is in the middle of a treatment for an existing condition. If not, check out Option 2 and 3 for cheaper and better alternatives.
Option Two: Purchase Temporary Immigrant Insurance (Temporary Workers Only)
In this grim outlook of the economy and the daily news about lay-offs, non U.S. citizens can save hundreds of dollars by switching to a non-resident health plan where premiums can be as low as $36 per month. These plans are great if you need health coverage right away and don't have time to go through the longer approval process for domestic individual health insurance like Kaiser, Blue Shield, or Anthem.
There's no approval, no tests, no waiting period, no social security number requirement, or paper work necessary for immigrant plans. Just apply online and get coverage from tomorrow. To qualify for these plans you have to have a non-immigrant visa. All you need is your passport number, Date of Birth and Name to apply.
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