How are you paying for health insurance if you are one of the millions recently laid off?
cami asked:
I know COBRA is available for many, but it is very expensive to keep up and runs only for a limited period. Questions like this have been asked before and those against governement supported health care just accused those who didn’t have health insurance as lazy losers. But with the economy crashing, the scenario has changed. If you aren’t employed anymore and have no income and little savings, what are you doing for health insurance?
I know COBRA is available for many, but it is very expensive to keep up and runs only for a limited period. Questions like this have been asked before and those against governement supported health care just accused those who didn’t have health insurance as lazy losers. But with the economy crashing, the scenario has changed. If you aren’t employed anymore and have no income and little savings, what are you doing for health insurance?
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here are many things that are expensive. COBRA is reasonable. If insurance is important to someone they need to make that sacrifice. I guess we should be paying for their food and homes. Those are expensive and a necessity. Where does it stop?
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Bad things happen. That is life. Hard times come and tough decisions have to be made. That still does not make it anyone else’s reponsibility to care for you. And you need to talk to COBRA again. That figure, according to the guy I just spoke to , seems inflated. Check out this site, if you want to find the cheapest health insurance just in one minute,
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
ROFL!
I’ve never been able to afford health insurance, even through an employer. I keep an emergency fund of about $300, in case I need to see a doctor. Other than that, I’m on my own….
gettting another job silly.
My wife left her job about two years ago. I am self-employed and I had depended on her insurance. I am diabetic and she has a kidney transplant, so there is no way we could just go out and buy insurance, it would cost like $50k a year for both of us.
We used her Cobra until it ran out. It was about $1200/month, which is more than our mortgage payment, but at least we got pretty good service. When it ran out we switched to another ‘cobra’ from the state of California called ‘Cal Cobra’. This costs about the same, but we don’t have vision or dental benefits.
My wife recently got breast cancer. She is covered (thank GOD), she had a mastectomy and is now doing chemotherapy (doing quite well, actually, considering). She now qualifies for govt. assistance, Medicaid (which in California we call Medi-Cal). But that would leave me out in the cold. I’d have to quit my business and get a job just for the insurance. This would mean a big pay cut. Having not worked for an employer in about 10 years, I don’t know if I could even get a good job in my field of expertise. Of course neither of us qualify for any kind of unemployment or disability. We could end up losing our house and having to start all over again.
I haven’t really checked out the options, because I haven’t really had to yet, and I don’t like thinking about it. I’m hoping Obama manages to improve my options sometime soon.
We’ve used COBRA in the past, but its more expensive because you not only have to pay the employee’s share of the cost, but also what the employer used to contribute, plus an administration fee. We have gone with private insurance in between layoffs, just because it was cheaper. I don’t know that the coverage was any better, because they always ask about pre-existing conditions. It was always my understanding that as long as you maintained consisted coverage, they had to cover it.
We always paid for it with our savings.
no one can afford it so you have to do without and hope you don’t get sick.
Get the cheap shit you see on tv commercials.
I use new jersey family care. Its very cheap. about $40 per child.
If your on welfare i think you can get it for much less.
if all else fails, get a new job.
A lot of people go on Cobra if they have money stashed away. If Cobra is out of question, at least get a high deductible ins to cover catastrophic costs and combine with mysimplecard.com for everyday healthcare. Good luck.
Apparently KATTY is employed by “MySimpleCard.com” or an insurer and her answer of “good luck” is just how the giant insurers that deny coverage of pre-existing conditions view your situation as well as others that simply don’t have the $$ for private insurance coverage. With the government option, these insurers will be scrambling for your business to stay alive and may lay-off KATTY, to save money and boost their profits, thereby putting her in the same situation that we are. Her assumption that everybody makes enough $$ in their job to even have any savings to afford any kind of insurance is very elitist and absurd. She suggests that everyone read 1984 by George Orwell, which was mandatory in my education. What she doesn’t realize is that we are already there, with cameras on every street corner, the ability of the govt. to track cell phones, HDTV that can be shut down or used by the govt at their whim to disable dissemination of knowledge. She doesn’t recognize these things, but she denies you should have the same benefits of insurance coverage that Congress and the President has, at the taxpayers expenses, by invoking the premise of 1984 and possibly for fear of losing her job. KATTY, if you REALLY believe 1984 hasn’t arrived yet, I suggest that you go back and re-read it because you have definitely forgotten the premise of it and choose only now to invoke it instead of when the govt was taking away your freedoms many years ago. Wake up KATTY and realize that there are MILLIONS that may not be as fortunate as you… “But for the grace of God, there go I”.