Affordable Health Insurance Hazlehurst, GA

Affordable health insurance Hazlehurst, GA

Hazlehurst health insurance know that with the unpredictability of the job market, many people have found themselves without a job, and without health insurance. Of course, the obvious consequence of not having affordable health insurance in Hazlehurst, GA is obvious, but there can be consequences you didn’t think of that could be crippling your chances at future coverage.

Hazlehurst health insurance

The Hidden Cost of Being Uninsured

Losing your job and your affordable health insurance in Hazlehurst, GA can keep you from being eligible from future insurance. This problem arises because of pre-existing conditions. There are, however, ways to avoid this complication.

Remember Creditable Coverage

In 1997, Congress enacted HIPAA, which established “creditable coverage”. This means that if you have had insurance for a least a year, then lose it, you can get “credit” for having “coverage”. You have 63 days to get another health insurance policy, with creditable coverage insuring that you will not be excluded from a new health insurance policy. Your new health insurance company cannot consider pre-existing conditions if you get your policy within 63 days of losing your insurance.

Short Term Insurance

Short term health insurance can fill in the gap. If you think that it may be more than 63 days before you find affordable health insurance in Hazlehurst, GA, a short term policy with Coventry One will maintain your creditable coverage.

Strategies If you think you may be about to lose your job, start searching for short term insurance immediately. You can’t be excluded because of pre-existing conditions, but it takes a couple of weeks to process the paperwork. Your Coventry agent can have everything in place, so that if you lose your job, you don’t have to risk losing your affordable health insurance in Hazlehurst, GA and creditable coverage, too.

Types of Short Term Insurance HIPAA also instituted COBRA, which is guaranteed replacement insurance if you lose your job. You can pay the employer’s share of your health insurance to COBRA and keep the same coverage you had before. Of course, it’s more expensive since you no longer have an employer to help out, but it will last 18 months. If you have a pre-existing condition, you would be well advised to maintain creditable coverage through COBRA, or some other type of short term insurance.

Another type of short term insurance is through private companies, like Coventry One. You can get affordable health insurance in Hazlehurst, GA for any length of time you need it—even as little as one day. And, with COBRA, you are only insured for 18 months. With Coventry, you have insurance until the day you get a new job with health coverage.

Hazlehurst health insurance is your number one source for affordable health insurance in Hazlehurst, GA. Call us today for your free quote and more information on these plans.