So my husbands starting a new job and I guess it might be 90 days of lapse for our health insurance.. We are a family of five.. I called cobra to check on what coverage would be and it is outrageous. It's almost 1,500 a month. Does anyone know of something cheaper? Has any had to deal with this? I am so afraid that if we opt out for the three months then something bad could happen and we would be really in a bind.. Any advice on this?
Elizabeth is a discussion leader for arizonamoms she writes about everything from her needing mommy advice to crazy and silly stuff that happens. She lives in the West Valley with her husband and 3 children, Joshua 12, Brooke 2 and Mason 10 months
You can get a short-term
You can get a short-term policy or an individual policy for the 90 days. They both will be a lot cheaper than COBRA. If you are interested I can help you out. I can give you quotes for both. You can contact me at nancy@swansongrp.net.
Thanks
We used short term health
We used short term health insurance. You can go online and do it yourself at ehealthinsurance.com. It only took 48 hours before I got the email approval and the cards came within days. It was very easy to cancel as well and very little paperwork. There were lots of different plans to choose from with different benefits and deductibles. We are a family of 3 and it was about $85 a month. Good LucK!
Apply for AHCCCS! If you are
Apply for AHCCCS! If you are not approved for AHCCCS you may be referred to KidsCare and you would pay a low monthly premium.
I agree. Ahcccs has plans
I agree. Ahcccs has plans they give to families where they pay a premium and I'm positive it will be way less than COBRA. If not your kids may qualify at the least for their insurance and you and your husband can pay for insurance to cover yourselves.
Even if you are willing to
Even if you are willing to take your chances and pay whatever expenses might come up during that 90 days, you should not let the insurance lapse, because you could be refused coverage for any preexisting condition. Unlikely, but if anyone in the family were to receive a new diagnosis during that period of time, that family member could be denied coverage under your husband's new work plan. It's unlikely, but I never expected to wake up one morning a few short months ago, to my 5 yr old son having a seizure!