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Jewish World Review
Bookmark These: Help with individual health insurance
http://www.JewishWorldReview.com | (MCT)
The future of health-care reform is clouded by repeal efforts and court rulings against key provisions, but if you need an individual health insurance policy now, these sites will assist you.
SCAN YOUR OPTIONS
Here, you can quickly see how many companies and plans are available to someone in your age group and family status. There's a questionnaire, and then you get to shop by monthly premium, or compare plans within one or a few companies that offer health and dental insurance in your state.
ON YOUR OWN
As with employer-provided health insurance, health-care legislation changed the way individual policies are handled, but insurers for now can still reject applicants because of their medical history, and the terms for covering dependent children to age 26 are different and could exclude your adult children. This post at Kiplinger.com describes the regulatory differences faced by shoppers for individual policies to help you know what to expect.
The Kaiser Family Foundation, which continues to track the debate and changes in health care, has this timeline that shows how the insurance changes kick in over time, and where things stand right now. Twenty-one separate provisions of the reform law are due to become effective in 2011, many applying only to Medicare and Medicaid. Some of the most controversial provisions, including the key, but court-challenged, individual mandate, aren't supposed to become effective until 2014.
If you need temporary insurance after a job loss, here are fact sheets from the Department of Labor on how to continue your employer coverage under the Consolidated Omnibus Budget Reconciliation Act, otherwise know as Cobra.
Safety nets for the uninsured — such as they are — are outlined here at insure.com.
The site also describes the basics of short-term health insurance.
Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.
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