Tuesday, October 9, 2007

Health Insurance For The Unemployed

Health insurance for the unemployed is a big concern for individuals and families who face medical uncertainties and have no insurance to cover the potential bills. This coverage can be bought, but many people find the cost difficult to manage on top of all the other household bills. People who previously enjoyed employer-sponsored benefits will find it very hard to suddenly budget a line item for health insurance for unemployed on their own.

People who were recently let go from a job have the option to file for COBRA benefits, which is coverage for the jobless. These people will keep essentially the same coverage that they had from their employer; however, now they must pay the full premium. This price often shocks people and they go shopping for health insurance for unemployed on their own. Unfortunately, such coverage is not cheap. The question to ask is whether the cost is worth the risk of not having health insurance for the unemployed. Of course, nobody can see into the future to know for sure. Anyone who values security will probably agree that the benefits are worth the price. However, anyone who is more of a risk taker and thinks their health is fine may wish to keep that extra money rather than spend it on health insurance for unemployed people.

Young, single people are most likely to rationalize that kind of thought process and think coverage is unnecessary. However, people who have families to support may need to think more responsibly about health insurance for the unemployed. The idea of finding a plan is that much more important when someone in the family has a chronic disease or disorder that requires close medical attention, specialized testing, and expensive prescriptions. Consumers can search the Internet for policies and find many insurers who can help in these cases. Searchers will find information, advice, and offers for free quotes on a number of Web sites. They need to enter their detailed, personal information carefully so that the insurance brokers can respond with a quote on health insurance for unemployed quickly and accurately.

Being unemployed is difficult even without the stress and worry of no longer having medical coverage. Those who have lost their jobs need to remember that God is with them during this hardship and that he will not leave. Everyone need to lean on Him as they work through the process of applying for health insurance for the unemployed and as they search for new employment. "Fear thou not; for I [am] with thee: be not dismayed; for I [am] thy God: I will strengthen thee; yea, I will help thee; yea, I will uphold thee with the right hand of my righteousness," (Isaiah 41:10)

For more information: http://www.christianet.com/healthinsurance

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