FileUnemployment

How Does Health Insurance Work during Unemployment

Updated : June 12th, 2019

Are you out of work and uninsured workers in United States? Do you need health coverage and want to know where to get free care for jobless employee like you?

In today’s economic crisis, one of the most important issues for laid-offs, besides loss of paycheck, is health insurance. It’s important to have, but it also comes at a high price. Jobless claims are increasing and you cannot meet the expense to cover your medical problems. If you are employed, you possibly get insurance coverage but if you are unemployed, you will have to find other ways to get adequately insured.

How to Get Health Insurance When You are Unemployed

So if you are concerned to get free medicine or drugs for your health treatment, here’s how to get it.

  1. Plenty of information is available on the Internet so learn options for getting health insurance. You can also find information at your local unemployment office.
  2. Explore COBRA (Consolidated Omnibus Budget Reconciliation Act), a federal law that provides eligible individuals and their dependents with the ability to continue health insurance benefits during periods of unemployment.
  3. Check out your state’s coverage policy. You may meet the criteria for continuation of coverage depending on your earlier job.
  4. Search for individual health coverage options on the Internet. Based on the state you reside in, you may meet the requirements for cheap individual health plan when unemployed.
  5. Speak to a health insurance agent and seek advice on the most appropriate coverage while unemployed.
  6. Check out HIPAA (Health Insurance Portability and Accountability Act) of 1996 that permits insurance for some individuals who lose group coverage. It has a separate method of charging the premium and provides coverage for at least two health insurance policies that do not oblige a pre-existing medical condition exclusion period. Ask if you are eligible, as it would also depend on your COBRA coverage wherein you must have used up to eighteen months of COBRA in order to qualify.
  7. See if you qualify for Medicaid. If you are disabled, above 65 years of age or if you are a woman and pregnant, you may qualify for Medicaid. It offers cheap insurance for people with low income families. You can contact Medicaid directly by visiting their official website.
  8. Get in touch with some of the pharmaceutical companies that manufacture drugs as they have certain programs for individuals who are uninsured. The financial assistance is limited to the cost of medication and do not include hospital visit or doctor expenses.

These are just few tips, there are so many other resources that you can collect from to get the money you need. This involves non-profit organizations that are ready to help you cover medical expenses.

Other Health Insurance Plans Offered By Many States

Many states now provide high-risk pools which make health care available for people who are not eligible for getting health insurance coverage.

English: U.S. Health Insurance Status (Under 65)
English: U.S. Health Insurance Status (Under 65) (Photo credit: Wikipedia)

These programs help certain uninsurable individuals to obtain health insurance coverage. The eligible people may include those who have been rejected by other health insurers or have had health insurance benefits reduced or certain medical conditions excluded. It may also include individuals who have a qualifying health condition or have been unwillingly terminated from another health insurance plan. Based on the availability of funds, enrollment is limited in some states. Because of the limited enrollments, it has become necessary to establish waiting lists. Other states provide options of converting a group health plan to a non group policy. The conversion policy in most of the cases is expensive but the primary advantage of choosing a conversion policy is that a person cannot be rejected for coverage and it may not include a new pre-existing condition exclusion period. These law governing conversion policies can also vary from state to state so it’s better to contact state insurance commissioner’s office for any additional information.

Maintaining Health Insurance during Termination

You have limited time to decide on health care options. It’s important to review and explore all the options carefully for maintaining coverage as soon as possible after your employment terminates.

Enhanced by Zemanta

  1. Are you able to receive unemployment in the state of Ga if you receive lump sum severance (which was the same pay as a 2 week regular paycheck)

    1. Sid,

      The E.U.C(Emergency Unemployment Compensation) remains expired. There is no extension available. Please inquire further with the labor authorities in your state by calling them.

    1. Jose,

      We’re not a scam or a fraud website:) fileunemployment.org has been around for more than 10 years and we’re one of the leading forums for unemployment insurance and unemployment in general. Our daily visitor and patron base is of considerable size and we truly believe in being a center for jobless workers to access resources and share their queries.

      1. I’m confused the article is about extending unemployment benefits in Texas but there hasn’t been any approved Emergency extensions since 2013. Can you clarify this.

        1. Glo,

          The E.U.C(Emergency Unemployment Compensation) remains expired. There is no extension available. Please inquire further with the labor authorities in your state by calling them.

  2. I’m attemptiing to file my first weekly claim since my layoff, however, my PIN# is not correct. what do I do to get my correct PIN# , please?

  3. I have exhausted my unemployment benefits in Texas but my calendar year does not end until September. Do I have to wait until the calendar year is over in Texas, to apply for unemployment benefits in New York in which I have available quarters?

    1. Mattie,

      As much as I am aware, UI benefits are only a one-time cycle. Please call the Claims Center for clarification.

  4. Help ran out of unemployment benefits for the pass 8 years i have worked at Hexion speciality chemical plant in Brady Texas how can i get my benefits extended

    1. Roderick,

      The E.U.C(Emergency Unemployment Compensation) remains expired. There is no extension available. Please inquire further with the labor authorities in your state by calling them.

    1. Annette,

      You can visit the official website of the Unemployment Office and ‘login’ to check the claim status. Alternatively, you can also call the Claims Center.

      PS: It should not take 6 weeks to process the initial claim. Please chase at regular intervals.

    1. Jocelyn,

      Unemployment is offered to claimants who’re able and available for work. Please call the Unemployment Office to ascertain if you can apply.

  5. I have been working for the same company for the past 11 years. I started out cleaning apartments, then landscaping and finally Asst. Manager for the past seven years. However, the owner/ manager had us all sign papers claiming we were “Independent Contractors.” I worked Monday thru Friday from 8am – 5pm the entire 11 years. Obviously, in reality, we had Never been “Independent Contractors.”
    Finally, October 2018 we became employee’s. On May 10, 2019 he sold the business which puts us all out of work. I tried filing for unemployment, but, I don’t have enough quarters in. Assuming I’m still out of work, can I wait for the next quarter to end, thus giving me the 2 quarters I need or will it not make a difference.

    1. Lea,

      Why don’t you look at alternate based period? Please use the link below to access the Base Period calculator.

  6. I have been working as an hourly employee for the last 4 months. Currently the board of the nonprofit agency came to me and told me that I had to file a 1099 or go to part time or find a new job. I have a scheduled time that I report to work. What are the laws here in Florida about who can receive a 1099

  7. I am unemployed and currently going to a community college. How can I apply for federal assistance?

    1. Carol,

      If you’re able and available for full-time employment, you can directly go to the website of the Unemployment Office and apply.

  8. I have worked in AZ since March 2016. However, I moved lived and worked for my employer in CA since 08/02/1982. Can I apply for Cali unemployment benefits?

    1. Robert,

      You should be applying from the state where your employment was based. Employers generally remit unemployment taxes to the state where the employee is based.

      1. How long does it take Washington state unemployment to deposit your back pay after they receive the determination letter from OAH stating I won my appeal?

  9. I have been trying for over a month to file and I still do not seem to be able to do it, but I finally got to the correct place, I think.

  10. Cumberland NJ Unemployment Center kept me on hold for 2 hours; I finally had someone answer my call, after providing my information and question regarding the status of my NJ Unemployment Claim the representative disconnected my call.

  11. Excellent list of things to help execute better. Even taking 3 or 4 of these that one does not currently utilize could help immensely.

    1. How did you calculate the total weekly Illinois benefit of $1495? Also, why isn’t Washington and Minnesota listed in your top 5 states with the highest paid unemployment insurance compensation?

Leave a Reply

Your email address will not be published. Required fields are marked *

Please answer a simple Math question: *

https://fileunemployment.org