Question:
What happens if you lose your insurance post op?
Well, I hate to admit it, but I am extremely unhappy at my current job, and I am starting to look for a new one. I think that I will be resigning and then possibly temping for awhile or taking the summer off and looking for a job in the fall. I won't be able to COBRA my insurance because it is way to expensive. Anyone have any ideas on what I can do for insurance? I thought about state aide but I am worried that they won't let me go to my surgeon for a follow up. Any suggestions? Thanks — enjo4 (posted on June 29, 2001)
June 29, 2001
I had anticipated that I was going to be out of a job soon and I was
determined to keep the policy I had until after I had surgery. COBRA IS
very expensive and maybe what I did was not the best solution but I applied
for a loan to cover COBRA premiums for a few months, and the monthly
premium I'm paying on the loan is less than what was deducted from my
paycheck at my previous job. I know that I will end up paying a little more
than the cost of COBRA for the time I have it, but at least the loan offers
me a comfortable payment plan. And the rate was relatively low too, just
shop around. Hope this helps.
— [Anonymous]
June 29, 2001
Think about this and explore all your options.. you may not qualify to get
private insurance and if you don't have cobra what will you do. Often
state programs like medicaid etc will penalize or hold coverage off if you
left your job vs being let go etc. You have to do what is right for you..
so if you have to leave make sure you can cover your bases in need of
possible health issues.
— [Anonymous]
June 29, 2001
If you go to a nationally known temp agency, they should offer some basic,
cheap insurance - about $15 per week. However, be aware that these
policies may cover only a $1000 LIFETIME MAX! One follow up visit with
labs will eat it up quickly. So when I had this option, I decided not to
get my labs done in case I broke an arm or something and needed urgent
care.
<p>
If you do decide to temp, stay committed to finding another job. I was
temping earlier this year, and I was sooo sure I was going to be placed
permanently that I didn't look for another job. When my assignment ended,
I was out the door.
<p>
I finally found a job that has fabulous benefits, but I'm not eligible
until August 1. I haven't had decent insurance since I quit paying COBRA,
so I haven't had my labs done since I was three months post-op.
<p>
I know you hate your job, but if you are in the position to wait it out
until a better one comes along (and good luck since the economy is starting
to take a dive), I would hang on to it. I'm one of the lucky ones - it is
only by the Grace of God that I am both healthy and have absolutely no
aftereffects from the surgery. Good luck to you.
— Allie B.
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