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Can I get COBRA Insurance if I Get Divorced or Separated?

Posted on: October 7th, 2011 by Cobra Insurance Guide

Woman reading paperMany people think that COBRA insurance is only for someone who recently lost or quit their job, however COBRA health insurance actually extends to a much larger group of people who lost their health insurance coverage for a myriad of reasons.  One of those reasons under the COBRA insurance laws is legal divorce or separation.

If you recently become divorced or separated, and your former partner works at a company with a qualifying plan, in most circumstances you will be eligible for COBRA insurance coverage.  Not only will you be eligible, in most cases, you will be able to continue your care for up to 36 months.

To sign up for COBRA insurance due to divorce or separation, contact your group health insurance plan and make sure to get a COBRA election form.  Then simply complete it and send it in within 60 days of the date on the form.  You will be responsible for paying the entire premium monthly to keep your health insurance coverage.

Free and Reduced Cost Health Insurance

Posted on: October 5th, 2011 by Cobra Insurance Guide

Can’t afford COBRA insurance or a private insurance plan?  That doesn’t mean that you can no longer receive any medical care.  Here are some options for seeking out free and low cost health care.

1.  City and State Public Health Centers:  Many people are unaware that city and state public health centers in most states, offer either free of reduced cost health care.  The services are available in most cases for people who do not qualify for Medicare or other state health insurance programs and are free or work on a sliding scale.  This can include getting something checked when you are not feeling well, as well as STD checks and mental health check ups.  Sometimes these offices may also provide vision and other wellness care.

2.  Free Clinics:  Many major cities have free and low cost medical clinics that are funded by private donors.  These clinics, although often crowded, offer care to anyone and can be a good resource for anyone who needs care.  You can find a list of free clinics here.

3.  Planned Parenthood:  For women looking for healthcare related to their sexual or reproductive health, planned parenthood offers free and reduced cost services including check ups, STD screening, pregnancy tests, and bill control pills in many states.

4.  City and School Run Health Fairs:  Many cities and schools run health fairs on an annual basis where they offer free health related services including screening, vision tests, and more.  Many times you can find information about free and reduced cost health care at these fairs as well as have basic screening and check ups done.

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