i currently have health insurance with my employer through Anthem, but i will be leaving the company and the plan within a week. i would like continue to use Anthem through an individual plan for self employment. do i transfer this coverage somehow or do i need to apply for completely new coverage? any help would be great!
health insurance question
- Thread starter zombiezoo
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the thing is, i don't need the same type of insurance. i just want to continue using anthem but i am not sure if i can apply for new insurance while still under my employers. i tried calling them and they directed me to some offices that are closed....and don't call me shirly.
Anthem4oh.com .. I have anthem in Ohio as an individual. If you are not using the same insurance you are going to have a different policy anyway. You might as well just apply now as individual- I would think.
I don't think the employer would be much help other than for COBRA. Just go and do it or get quotes.
I don't think the employer would be much help other than for COBRA. Just go and do it or get quotes.
Your company won't help you transfer your insurance to a self-employment or individual pan (why should they?).
I used ehealthinsurance.com for quotes. They have Anthem in their lineup.
I used ehealthinsurance.com for quotes. They have Anthem in their lineup.
Check out COBRA. its' $$$, but if you need the exact same coverage for a few months,, it's the way to go until you get a new pl;an.
Group coverage is actually more expensive than individual on a per-person basis, so I wouldn't recommend this. The plans are usually richer than individual (maternity benefits, low deductibles/copays, etc.) so carrying one on your own can cost 4-8x what one would pay for a reasonable individual policy.
@zombiezoo I also have anthem individual in Ohio. You might want to check out the Lumenos HIA plan. I've got a high deductible but they give a you $250/quarter credit to spend on things like office visits & rx. The premium for my wife and I is only like $120/mo. I've got a recommendation for a broker that I'll PM to you.
You can either continue with COBRA but it will cost you more money or you can apply for coverage with other companies or even with the same one while you still have coverage and depending on your preexisting conditions/needs you can tailor a new policy exactly for you! A lotta visits and meds or stuff done will make want a lower deductible-higher premium, or if you're a healthy individual -bigger deductible w lower premium! My personal recommendation is don't go cheap on your health! Go with a proven company solid so that way you wont have any surprises when the time comes! I carry BCBS and i'm happy with them so far! Good luck!
Enroll in Cobra to maintain continuing coverage, and then roll your plan over to individual coverage. It's possible you will not even have to pay a cobra rate at all.
The main reason to do this, is if for some reason you can not get coverage otherwise, or you have a condition that has developed since your previous enrollment. For instance, you've had coverage at work for 5 years now. 2 years ago, you got diagnosed with cancer, and they are paying to treat it. If you have a gap in your policy, it will become a pre-existing condition on your new policy, and they will not have to cover it.
The purpose of COBRA, is to allow you to maintain coverage while either getting a personal policy (which is almost always cheaper, unless you are the reason the group rate was so high in the first place), or enrolling in a new group policy at your new place of employment.
The main reason to do this, is if for some reason you can not get coverage otherwise, or you have a condition that has developed since your previous enrollment. For instance, you've had coverage at work for 5 years now. 2 years ago, you got diagnosed with cancer, and they are paying to treat it. If you have a gap in your policy, it will become a pre-existing condition on your new policy, and they will not have to cover it.
The purpose of COBRA, is to allow you to maintain coverage while either getting a personal policy (which is almost always cheaper, unless you are the reason the group rate was so high in the first place), or enrolling in a new group policy at your new place of employment.
Check out Aetna. If you are young and healthy (and just need basic coverage) they have good rates for basic coverage.
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