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Suffer Consequences if You Let Health Insurance Laps

If you are between jobs and you are considering not paying for COBRA health insurance benefits, you may need to look at alternative interim insurance coverage. COBRA is the law that allows employees to keep their health insurance coverage for 18 months once they leave their job by paying expensive premiums. While COBRA may not be your best option for health insurance, Less expensive medical plans may be an important and necessary expense.

All new health insurance plans are allowed to force new subscribers to suffer a 12 month waiting period for pre-existing conditions. Fortunately there is another law that allows for portability of coverage without having to suffer pre-existing condition waiting periods. That law says that if you have had CONTINUOUS COVERAGE for the 12 months prior to and leading up to the beginning of the new insurance coverage, you will be given credit toward any new pre-existing condition waiting period. If you had 6 months of continuous health insurance coverage prior to taking out your new policy, 6 months would be applied to the 12 month waiting period and bring the new pre-existing condition waiting period down to 6 months. If you had 12 months of continuous coverage, you will not have any waiting period for a pre-existing condition on the new health insurance plan.

CONTINUOUS COVERAGE is defined as continuous health insurance coverage with no lapse of more than 62 days. If you go more than 62 days without coverage, you may have to suffer the full waiting period for pre-existing conditions. For example, if you were taking High Blood Pressure medication, you may have to wait 12 months after starting and paying for the new insurance before the insurance would cover the High Blood Pressure medication.

COBRA might be too expensive for you. However you can get a high deductible individual plan that will satisfy the continuous coverage requirements at a much lower cost. Some short-term insurance plans do not meet the requirements to satisfy the portability law. Speak with a health insurance agent like those at http://www.thackeragency.com to make sure you maintain continuous insurance coverage at an affordable price. Tell the agent your particular situation and they'll be glad to put you in the best insurance product for you.

We know how important it is to be informed when you are looking for health insurance private. Some websites are better than others and will meet your health insurance private needs in a better fashion. br>Some aspects of the Internet could undoubtedly use some regulation, but this task is not as simple as it may seem. The very nature of the Internet makes it difficult, if not impossible to regulate. However in the midst of this many health insurance private retailers survive and prosper. At the same time, the absence of regulations means that everyone who uses this essentially public network can be a target for anyone who has the technical know-how and the will to invade their privacy. Privacy was foremost in our minds when sourcing the right health insurance private retailer for you. Their link appears below. br>The time for standing in place is gone and anyone who wants the best in health insurance private should understand that. There are many people who want to know more about health insurance private and since you are here you must be one of them. Anyway we are happy to have you as a visitor and want to make your visit worthwhile. br>Why is this important? The Internet abounds with all sorts of information on health insurance private, but unless you can be reasonably sure of its source and accuracy, be wary. For example, information about health insurance private posted in Internet newsgroups can be flawed. Even if the health insurance private document contains great technical detail, there is often no hard evidence to back up the claims. Don't make the mistake of accepting gossip as truth, which may prove to be professionally and financially embarrassing.

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