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What Happens To Your Health Insurance If You Get Sick & Can't Work?

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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Colum » Fri Oct 06, 2017 5:27 pm

What if you have health insurance and something happens where you get so sick you can't work, so you can't pay your health insurance bill each month since you can't go to work anymore.

Will your health insurance be active while your sick and out of a job? Or will it shut off since you stopped paying the monthly bill since you weren't able to work?

I don't get it, why would someone buy health insurance if when they actually get sick, the health insurance will be canceled?

What if I break my leg, and can't work...and in 3 months of not working my health insurance gets cancelled...but it takes 6 months to heal your leg. I don't get it.
Colum
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Jerryl » Sat Oct 07, 2017 10:04 am

Americans lost their jobs in the past months, some lost their health insurance as well. Health is a main concern of most households. But since the economic is getting tough, many do not have sufficient funds to maintain healthcare. Most of them may turn to online pharmacies because medical care and prescription medications can be prohibitively expensive. Many internet pharmacies sell prescription drugs only with a prescription, some do not require a pre-written prescription. Because in some countries prescriptions are really not required. Of those which do not require prescriptions, some do ask the customer to fill in a health questionnaire with their order. Some costumers order drugs from such pharmacies to avoid the inconvenience and cost of visiting a doctor or to get medications which their doctor were unwilling to prescribe.


To save money, millions of uninsured and underinsured U.S. consumers purchase drugs from online pharmacies in Canada, India, the UK and other countries and receive their purchases by mail. In the United States, there has been a push to legalize importation of medications from other countries. Those countries who are offering cheap or affordable drugs like Canada, India, Pakistan and Mexico. Online pharmacies can provide up to three months supply of drug for the same price as a single month compared to drugstores on high streets. The idea of getting as much amount of supply as they want with one prescription only versus going back to the doctor many times just to avail medication is very practical and economical.


Ordering drugs online not just saves you a lot of money but also avoiding possible hassles of going to the drugstores or traveling to the nearby countries' pharmacies. Some medical practitioners commented that pharmacies offering medication without prescription and doctor consent are sometimes fraudulent. It has been a trend to buy online, the issue with fraud is now not after the access to legality but the awareness itself. Drugs available online are often produced by well known manufacturers and like other drugs found in local pharmacies which are FDA approved.


There are many online pharmacies across the net. http://www.rx-pharmacy-online.com http://www.healthy-pharmacy.com http://www.pharmagenic.com
Jerryl
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Verddun » Sat Oct 07, 2017 4:51 pm

You can pay your insurance bill, even if you don't work.
If you buy your own, then you keep paying the way that you always did.
If you get insurance at work, then you usually have the option to pay to keep it for up to 18 months after you stop going to work.

If you stop paying for you health insurance, then you stop having health insurance, so it does stop.

However, if you get sick or injured and cannot work, then you might qualify for disability benefits, so you would have some money coming in, and could pay for the insurance.

Even if you don't get disability benefits, you might have savings or something else to use.

If you really have no money at all, then you won't be able to buy food, so you'll starve to death, and it won't matter if you have health insurance.

If you live long enough for health insurance to matter, then you must be eating somehow, so you probably have some money.
Verddun
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Clancey » Sat Oct 07, 2017 8:09 pm

No, your former employer is flat out not allowed to keep you on their health insurance, once you are no longer an employee.
This is an IRS law.


If your employer is subject to COBRA, you can keep the coverage, at your own cost, for up to 18 months.

Look, the idea that it's fine to go heavily into debt, to buy stuff we can't afford now, and continue to live paycheck to paycheck, with NO nest egg of AT LEAST six months expenses, is flat out stupid.
Yes, it's quite possible you will lose your job tomorrow.
Or get seriously injured.
You NEED to be putting away 20% of your pay, NOW, every paycheck, AND DON"T TOUCH IT, until you've got six months of expenses - including but not limited to mortgage payments, taxes, rent, food, utilities, health insurance, car payments, etc.


YOU HAVE TO LOOK OUT FOR YOURSELF.
This is called "being responsible".
If you're irresponsible while you're working, and DON'T live on less than you make, then yes, you're going to be FORCED to be irresponsible when you're not working, too.


Start listening to Dave Ramsey.
Clancey
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Eliyahu » Sun Oct 08, 2017 1:04 pm

The American system is much more complicated because we have both government programs for care and a majority private system of care. Most people belong to a group health plan through their jobs which they pay for. if you buy private health insurance it is very expensive. Under current law, insurance companies can deny, cancel and limit medical treatment and not cover catastrophic care totally. The Obama health care law changed all that but it has not taken effect yet. There are many lawsuits against the legislation passed in March. Generally if you have no insurance and have an emergency you will be treated but you will get a bill. If the hospital and doctor dont get paid from you they try to get a government agency to pay for the bill. Many people use credit cards for medical bills and then file bankruptcy when they use their credit line up. We will still have a private system under the new laws. They are mostly insurance reforms. And a new requirement in 2014 that everyone be insured and can qualify for a tax credit or subsidy. The federal government program does subsidize elderly over 65 and disabled people for part of their medical costs. It does not apply to people between age 21 and 65 unless disabled. There are also state aid programs for children of low income parents but many are not funded. At one time if you were injured you could get free care at a county hospital. No longer. However, the clinics that operate within these hospitals offer reduced charges for low income people. There are 47 million people with no insurance. We have 300 million residents.
Eliyahu
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Maxwell » Sun Oct 08, 2017 3:04 pm

If the company you work for has over 20 employees, you will be able to purchase COBRA insurance.
This is the EXACT same insurance you had while you were employed except for the cost.
COBRA stands for the law that makes it a requirement.

- you are eligible for this for 18 months, 36 months if you are permanently disabled at which time you should be eligible for medicare if you have the appropriate work history.

Many states have a similar law for companies with less than 20 employees.
Maxwell
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Ros » Sun Oct 08, 2017 9:42 pm

At - INSURECOMPARECAR.INFO- you can compare free quotes

RE What happens to your health insurance if you get sick & can't work?

What if you have health insurance and something happens where you get so sick you can't work, so you can't pay your health insurance bill each month since you can't go to work anymore.


Will your health insurance be active while your sick and out of a job? Or will it shut off since you stopped paying the monthly bill since you weren't able to work?

I don't get it, why would someone buy health insurance if when they actually get sick, the health insurance will be canceled?

What if I break my leg, and can't work...and in 3 months of not working my health insurance gets cancelled...but it takes 6 months to heal your leg. I don't get it.
Ros
 
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Joined: Wed Mar 12, 2014 4:42 pm

What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Pelltun » Wed Oct 11, 2017 10:32 am

You have to pay your insurance premium at your job or you will be dropped from the plan. If you are sick and not working, you get sick pay and can use that to pay premiums or you should apply for state disabiity insurance for the broken leg. Then you'll have money for health insurance. Otherwise, go to any clinic and pay a fee, sometimes that is based on current income.
Pelltun
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Proinsias » Wed Oct 11, 2017 4:29 pm

Your insurance coverage will only stay in effect so long as you continue to pay your monthly premiums. If you have employed-based health insurance and lose your job (for whatever reason) and don?t enroll in COBRA, you will lose your coverage. Some employers offer workers short-term and long-term disability coverage to help tide them over in cases like you?re describing, but not all do.


If you buy coverage on your own and continue to pay your monthly premiums (even if you?re out of work), then, yes, your coverage will stay in effect.
Proinsias
 
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What Happens To Your Health Insurance If You Get Sick & Can't Work?

Postby Bothan » Thu Oct 12, 2017 5:20 am

1
Bothan
 
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