Health Insurance for the unemployed

Shooter38

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Seeing as I will be unemployed in July due to my stop/loss waiver being approved, I was wondering if anyone out there can recommend any health insurance companys/programs.

I will be a part time AF reservist starting in Aug, so I need something to tide us over from June till Aug (with continuous AD orders or hopefully a SWA training date).

Reservists or civilian inputs welcome!
 

UALX727

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I think I remember some guys on this board a while back saying that Blue Cross is one of the best out there to go with....don't know much about it though. Maybe if you searched the boards by typing in "Blue Cross" you could locate it.
 

UALX727

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Think I may have located it.....

Here are the posts that I remeber reading a while back....

Tip for fellow furloughees on insurance:

You can usually get much better rates on insurance out on your own versus COBRA. Especially if like myself, you seldomn use the insurance services provided. Cobra is easy, since you just sign the papers and pay, but can be very expensive.

I'm single, 30's, no kids. Company COBRA, $169/Month. Blue Cross on my own, $28/Month. Sure, company COBRA is much better coverage, but for $28/month, I've got catastrophic coverage, a $1000 deductible I think, and should something terrible happen, my parents, brothers and sisters wont need to decide if they should drain their savings and mortgage their homes to put me back together again, or fight a terminal illness. If the union was paying my COBRA, I'd take it, but self funded, $283/week unemployment goes alot further

At $28/month, nobody has an excuse to not have catastrophic coverage. http://www.bluecross.com is one place to start. Many other providers too. BC was easy, and app can even be downloaded.

Definitely dump COBRA unless you:

a: have a lot of money to waste and want to pay too much for insurance or,

b: have a pre-existing condition that wouldn't be covered.

My wife is pregnant and due this month. The 500+ dollars we paid COBRA to keep United Healthcare (AAs health insurance) this month is nothing compared to the bills we will rack up on the insurance in the next few days. I also got a vasectomy on the company's nickel since this will be our last child. Once she delivers and if everything goes normally, we will get rid of COBRA and go to Blue Cross as well. We had a Blue Cross catasrophic plan to tide us over between May and August of last year. The cost was very reasonable. I agree that everyone should have at least a plan to cover a major catastrophe. Good luck to everyone else in our current situation.


Hope this helps out.
 

JasperDog

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Dec 1, 2001
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Shooter-

I am in the same boat. Although COBRA benefits technically do not apply to Federal workers (ex-military, separating), there is a program to continue your TRICARE Prime (not sure for Standard) benefits. IT IS EXPENSIVE! It is called Continued Health Care Benefit Program. The price for individual is $933.00 or family is $1996.00 for 3, yes three, months of coverage! See your local TRICARE/CHAMPUS office for the paperwork.
If you or a family member have a "pre-existing condition," this may be the only health insurance available to you.
Good luck! Let me know what you find out.
Erik
 

ivauir

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USAA

Don't do the Tricare extension!! We have an "pre-existing" condition and were able to do MUCH better through USAA Major Medical coverage (Fortis) prior to my reactivation. If there is no pre-existing they have a "short term" which is even better.
 
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