Quote:
Originally Posted by Mustangsally82  The only reason I have it now is because I got it in college and figured it was cheaper to maintain it instead of letting it lapse. |
ABSOLUTELY!
I always tell people when they're leaving a job to go on Cobra, even though it can be really expensive...just go on it, and find new insurance asap. But whatever you do, don't let your coverage lapse, or you're in an entirely new ball game when it comes to getting coverage.
I waited until the last nanosecond on my Cobra before thinking about new insurance, and rather than let it lapse for even a day, I took temporary coverage from BCBS, and then applied for full coverage. The temporary coverage ensured I had no lapse in coverage from the day my Cobra ran out...but it was down to the wire.
While high premiums seem 'high', especially if you don't go to the doctor often, it can all be worthwhile if 'something comes up.' When I saw the bills from my myomectomy I just about fainted. (and was SO glad I had insurance).
(
side note: most of you didn't even know I was in the hospital for 4 days, and then had several weeks of recovery, did you?!?! Running SoulCysters, even from my sick bed, I was!)
Anyway, the bills from the surgery, hospital stay, etc, etc...more than exceeded all of my monthly premiums combined (and then some) for several years...
Has anyone tried United Healthcare? I used to be with them, and never had any problems...
Also (I don't know if this is an option for anyone), but if even a 'part time' job is in the cards, Starbuck's offers health insurance to all of it's employees, I think. That might be a way to get back on a policy, and then switch to another one with no lapse in coverage. (Don't quote me on any of that, however...)