3 Health Insurance tips to prepare for open enrollment after job loss

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By Charles Glover, Jr.

Adults confront many challenging options in trying to maximize income and secure adequate health insurance coverage to protect their families. Yet the issue of healthcare extends beyond receiving the best care, it includes paying for those services. After a life-altering event, such as a job loss, preparation and proactive measures are essential to proper healthcare planning, especially as the November 1 start of the open enrollment period looms.

In the state of Georgia there are hundreds of people dealing with job losses each week. This has a serious impact on each individual in the household and raises many concerns because unresolved healthcare needs can be stressful, and many people find themselves scrambling for solutions. If you or someone you know has recently lost their job and need health insurance coverage, follow these steps:

Losing your job is beyond stressful as it can make it difficult to deal with basic needs. Talking to a healthcare professional can help ease those medical concerns.

Losing your job is stressful and makes it difficult to provide for your family’s basic needs. Talking to a healthcare professional can help ease medical concerns.

1. Assess the immediate health needs of the family.
Some medical issues are more pressing than others so it important to know what medical concerns need to addressed first. This knowledge will help narrow your search for the proper care and coverage.

2. Speak with a licensed insurance professional.
Many people have familiarity with health insurance, but there are plenty of nuances that exist within the complexity that is the healthcare system. Speaking with a professional is akin to meeting with an accountant during tax season. It much more likely that all of the concerns of the family, including the need for supplemental and life insurance, are addressed.

3. Have a budget set aside to address medical needs.
Employment status aside, healthcare needs can be stressful, especially if there are concerns related to paying for medical services. Unfortunately, many people will not receive the proper medical attention they need because they think they cannot afford it. A meeting with an insurance professional can help ease the expected financial burden by exploring the most affordable coverage for the family.

ad smallHealthcare concerns are heightened when someone loses a job but it is important to remember that without your health nothing else is possible. In addition to these tips, learn about supplemental and life insurance when you speak with a licensed professional. Affordable healthcare can be just a phone call away. Part two of this series continues next week.–OnPointPress.net–

Charles Glover, Jr., your Insurance Advisor, is a senior writer at OnPointPress.net and a Licensed Insurance Professional working with HealthMarkets.

Contact me directly at (646)309-1938 for your health insurance questions and concerns.



Today is deadline for January 1 healthcare coverage

President Barack Obama.

President Barack Obama.

By Carmen Glover

Despite all the controversy swirling around President Barack Obama’s signature healthcare legislation, the Affordable Care Act, one deadline has not changed: Today, Monday, December 23, 2013, is the last day for people to sign up for healthcare coverage in order to have their heath insurance policies in place for January 1, 2014.

The Affordable Care Act, often referred to as “Obamacare,” launched officially on October, 1, 2013, coinciding with the government shutdown in Congress. While millions of people flocked to the HealthCare.gov website to shop for appropriate coverage packages, many were unable to shop for health care plans because of technological problems which plagued the site at the time of its launch and for the entire month of October.

“The glitches have been fixed and the buck stops with me,” President Obama said during his final press conference at the White House on Friday, December 20, 2013. “More than 1 million people have already signed up,” he continued, while repeating his oft-stated goal of having 7 million people sign up by the March 31, 2014 deadline. After that deadline is reached, the uninsured will be subjected to a fine if they fail to obtain health coverage. Up to 12,000 call representatives are expected to be available today to process inquiries about healthcare coverage and to assist interested healthcare shoppers, the President said.

The process of signing up for healthcare coverage has been relatively smooth in New York until Friday, when the site crashed for a short while due to the crush of potential customers flocking to the site to enroll before today’s deadline. The main reason why New Yorkers have had an easier time enrolling in healthcare coverage is because the state has its own independent healthcare marketplace, which is not attached to the official government portal. Several other states have their own independent healthcare marketplace as well, which have greatly expedited the enrollment process for eager healthcare shoppers.

To get more information about signing up for healthcare coverage, a good place to start is the official government website, HealthCare.gov. The site directs shoppers to the marketplace exchanges, including independent, state-run websites. The most attractive feature of the Affordable Care Act is that “It does not allow insurance companies to discriminate against people with pre-existing conditions,” President Obama has said repeatedly. One thing is clear: No one who needs healthcare coverage should go without, or incur a fine, without first exploring what is available and how that fits into the family’s budget. So go ahead, take your time and shop around for the coverage that best meets your family’s needs.–OnPointPress.net.

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