Getting Insurance After COBRA runs out?
459922
Generally speaking you can pick up individual coverage. Typically insurers will disallow coverage for pre-exisiting conditions UNLESS you have had coverage prior to applying for the new coverage.\n\nFind a health insurance broker near you to help. Policies are controlled by state law. I do not know what, if any, idiosyncracies exist in Cali.
1042225
If you can’t get insurance through work, your best option is to talk with local Georgia-licensed health insurance agents. They’ve probably helped people in your situation before. Medicaid is out because you make too much money and you’re too young and not sick enough for Medicare. If you can afford $70/month for health insurance, there are health plans available to you. However, you will still have to pay a high deductible with a plan that has a low monthly payment. Your insurer or the hospital will work out a payment schedule with you where you can pay off your medical bill over time. It might be worth it since your problem is affecting your ability to make a living.\n\nCheck out MostChoice.com. It’s a free, no obligation Web site that specializes in connecting state-licensed agents with people interested in health insurance. It’s a Atlanta-based company that has connections to agents throughout the state, including Coweta County. Just fill out a short form, review free online quotes on Georgia insurers, and within 48 hours agents should contact you. Tell them about your situation and what you can afford, and they will do the rest. All you have to do is wait until one of them delivers a solution that makes sense.\n\nWhatever you do, though, please get help for your problem. You’re too young to be hobbled like you are; you might have to choose between having some medical bills that take a while to pay but have a good foot, or have less debt but have trouble walking.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes@MostChoice
57094
You would first have to find out how long you have to wait until your insurance kicks in at your new job.  Sometimes it is from the 1st day, following month, 3 months, or even longer.  If your new insurance has kicked in then I dont think that you can continue Cobra insurance.  If your new insurance has not kicked in then you can use Cobra up until your new insurance starts.
882243
What is the worst case senario that can happen if you do not have insurance? You might become financially devastated when things happen. That means, you might be worse off then you are now. \n\nAlso, according to past experience working in an insurance company, the reason that they charge you so much is because that event is very likely to happen. The more likely, the more expensive. Therefore, the more expensive, the more you need to have that insurance. \n\nDo not cancel your plan, instead find out more information about alternatives and go through underwriting from several companies. If they reject you(which will be most likely) at least you have something to fall back on when something happens. If they accept you, wait for 3 months before cancelling your current plan.
548167
This is what I did.  If you had insurance that paid for part of the bill but not all, ask them to accept that as payment in full since you can not get blood from a turnup.  If you had no insurance to begin with you can find out how much of the bill the insurance co would have paid, and then ask the company if they will accept that amount, of course they may give you a bad time, but if they were willing to take it from one company why not you.  Then when you get the to agree (don't give up they will)  set up a payment scale you can afford, they really want the money so they will work with you.  If whoever you talk to isn't being receptive to you, ask to talk to someone else, or better yet their supervisor.
522259
Dear Friend,\n\nYou can purchase an umbrella insurance policy that will give you liability coverage.\n\nBeing dead broke, and hence judgment-proof, is also a good option.\n\nYour Friend,\nFrancesois
540328
CALL 800 # TO INSURANCE COMPANY AND ASK.  THEY HAVE A LIST--YOU CAN GET ONE MAILED TO YOU OR LOOK ON THEIR WEB SITE.  THEY CAN TELL YOU DIRECTLY OVER THE PHONE AS WELL.
1120751
myuhc.com\ni have that insurance...
192780
If it is out of business, you can't find them.  However, all states have a State Insurance Board that handles claims, premium refunds, and anything regarding an insurance company that goes into liquidation.  Go to your state website, look for the State Insurance Board and you should be able to find some information on where that Insurance company's issues are being routed.
199798
If it is truly end stage, and you cannot afford insurance, then contact your local medicade office. They may be able to help. Or even hospice.
1141582
Most insurance doesn't cover it.  You may be looking at anywhere from 300-500 to have it treated.
878927
Sympathize for had neck surgery awile back for had 2 bad-degenerated discs and the pain was horrible  Go on line and do a search for medical insurance that has no waiting period for preexisting conditions-will not get major medical but there some others out there. Also I'd go to Emergency so at least you can get Pain Medication and some treatment ideas that can help temporarily-a ice pack helps a lot -the kind you keep in the Fridgefreezer-keep on the neck for approx10-15minutes-I always put a thin towel there first so the cold is not so shocking and it still penetrated to nerve and muscles-Have gotten total relief  for that episode-there may also be some mild stretching exercises that take the pressure off the nerve-ask about it. Also since you have no insurance keep your expense down by only having done whats necessary in regards to X-rays and other tests-any X-Rays or test results already done you should get and take with youSince the Emergncy is required by law to treat you they will work out payment over time with you. and the payment cannot interfere with mortgage and  the other bills you already have.  You can also call your Community Serice Board(in the blue pages) and ask abnout CountyState Health Care where you pay according to your salary if its real low income often the health care is free-if it isn't that much less than you'd normally pay then I wouldn't bother for those clinics do not make appts but take in the order people arrive and the waiting rooms are very full-so early in the Am is the best time(involved in therapeutic foster care and became familiar with it)The County Health Clinics also have Dental, Precription Service and also  Mental Health Services.Good Luck at the doctors
307246
The Consolidated Omnibus Reconciliation Act (COBRA) regulations have a long, drawn-out history. COBRA was enacted in 1985 to allow “qualified beneficiaries” (covered employees, their spouses, and dependents) to continue group health plan coverage following certain designated events, such as termination of employment. Proposed regulations, first published by the Internal Revenue Service (IRS) in 1987, were amended over the years, but never finalized. In 1998, additional supplemental proposed regulations were included. Earlier this year, at long last, the IRS finalized the proposed regulations, but also issued a new set of proposed regulations.\n\nThe final regulations will be effective for qualifying events that occur in plan years beginning on, or after, January 1, 2000. From now until the end of 1999, employers must operate under a “good faith” standard of compliance and follow either the old (proposed) or new (final) rules. In addition, the new 1999 proposed regulations also require good faith compliance while they are in the finalization process.\n\nThese actions by the IRS add some new rules for employers, but also create new options to help simplify COBRA administration and reduce the risks of adverse selection. Adverse selection often arises under COBRA when a disproportionate number of poor health risks (qualified beneficiaries) select a particular health coverage. In this article, the Editors have highlighted the more important changes that will affect most employers.\n\nThe New Final Regulations\n\nSmall employer plans. The final regulations define a small employer as one who has fewer than 20 employees on at least 50% of its typical “business” days during the prior year. An employer under this level is exempt from COBRA for the year. In determining the number of employees, all common law employees are counted (full and part-time employees); however, individuals such as independent contractors, directors, and self-employed persons are not. Further, the new proposed regulations provide that each part-time employee only has to be counted as a fraction of a full-time employee, based on the number of hours worked.\n\nExample: During 1998, ABC Company employed 22 employees on at least 50% of its business days. As a result, qualified beneficiaries who have a qualifying event during 1999 are entitled to COBRA coverage. They will not lose their COBRA rights as long as they remain qualified beneficiaries, even if ABC employs less than 20 employees in 1999 or another future year.\n\nWhen a qualified beneficiary moves. Under the old rules, if an individual on COBRA moved to another geographical location, the employer did not have to continue providing coverage unless it already had employees in that area with health coverage. The final regulations add that, to the extent possible, the employer must now make coverage available under one of its existing plans, even if it has no covered employees in the new area.\n\nPaying for COBRA. The final regulations clarify that the required premium payments must be accepted when made by a person other than the qualified beneficiary, that payment is considered made on the date it is sent, and that a qualified beneficiary must be given a reasonable period of time (30 days is reasonable) to correct an insignificant payment shortfall after being notified of the problem by the employer. What constitutes an insignificant shortfall has not been defined.\n\nThe Supreme Court’s ruling in Geissel. The final regulations adopt the Supreme Court’s ruling from Geissel v. Moore Medical Corporation, 118 S. Ct. 1869 (1998). The new rule provides that if an individual is participating in another group health plan, including Medicare, at the time continuation coverage is elected, he cannot be denied COBRA based on the fact that he is already covered. However, if the person “first becomes covered after the date of election,” COBRA coverage may be terminated. According to the Supreme Court, w
358288
Type the name of your state and offical website into your search engine (florida official website).  All state websites will end in .gov not .com  There will be links on the states website to help you get medical coverage if you qualify.\n\nThe only other thing that would help with this is a Stop Gap policy as it is now a pre-existing condition.\n\nGood Luck to you.
167950
You will have to self insure, which is quite expensive.  I would call around and get some quotes.
153574
Man, I hope you have insurance. Hit up the website of your carrier and click on "directory." Good Luck.
568520
listen, as long as your don't have a lapse in coverage, NO INSURANCE COMPANY CAN USE THE PRE EXISTING CLAUSE CONDITION ON  YOU... so make sure to extend that cobra just a little longer if needed... other wise they can only use the pre existing for one year.... Good luck.