Losing a job is never easy. It can come for a variety of reasons, but the news that you are no longer employed is always a tough pill to swallow. And while your health insurance may not be your very first concern, for many it does rank up pretty high worries after that initial shock.
If your job provided health insurance for you, there are some steps you can take to ensure that you have continued coverage. First, you will want to look into COBRA. If your employer paid for part of your health insurance, COBRA allows you after your termination to continue with the same care that you had previously, though you will be paying the entirety of the premiums. This is something to seriously consider if you are currently receiving care that cannot be disrupted or you are receiving care from a doctor that you may not be able to see if you were to switch providers. However, when faced with paying for their health insurance many people opt to look at other options.
You can also look at Covered California. Because you just had a change in jobs, you would most likely qualify for special enrollment through Covered California because of this life event. However, timing is essential here. If you miss applying for coverage during this window, you will have to wait until open enrollment.
You may also want to look into MediCal. MediCal provides coverage to a countless number of California residents with limited incomes or disabilities. To qualify you will need to report your income to see if you are eligible. You will need to take into consideration the income of your entire household, not just yourself. You will also need to report on any other revenue that you may be receiving.
If you have questions and just feel overwhelmed by the whole process, please feel free to call us. At Bernardini & Donovan, we want to ensure that you receive the best health insurance possible and would love to answer any of your questions. Please call us today.