Starting a New Job

New Adventures Call for New Health Plans

Congratulations on your new job! It may surprise you, but you may still find yourself without health insurance. Maybe you just need a temporary plan during a waiting period. Or maybe your new employer isn’t offering group coverage at all.

If you’re losing your previous job-related coverage, you have a qualifying life event that may open a special enrollment period where you can buy your own individual health insurance plan. The beauty of finding your own health insurance plan means you have more choices. So take advantage of this short window of opportunity, explore your options and decide what will work best for you.

Temporarily without health insurance?

Let’s say your employer offers group health insurance. Just not yet. Many employers require a waiting period before starting coverage.

Our Short Term health insurance plans can give you the security you need to fill your temporary health insurance gap.^F5 These plans can be canceled, without any penalty.

View your Golden Rule Insurance Company Short Term health insurance plan options now.

No employer coverage? It’s okay. You’re in control now.

Employers are increasingly dropping group employee health insurance coverage as a benefit. Some are offering stipends for you to buy your own individual health insurance, others are not. But, the good news is that you have more options than ever before for finding the right coverage for you.

If you’ve participated in group plans before, you know that your employer calls the shots when it comes to your coverage. With individual health insurance, you get to choose what’s right for you.

View the full range of your Health Insurance plan options now.

The Clock is Ticking

Don’t miss your chance to enroll! You only have a short time around a qualifying event (up to 60 days after the day you lose coverage) to make health insurance changes. Missing the deadline means you may wait for up to 10 months for the next open enrollment period.

4 Tips for Finding the Right Plan – for You

1. Determine what type of plan you want

Compare new plans to what you’ve had before.
Check out the scope of benefits offered.
Determine what benefits you like and what you don’t.

2. Look for coverage that meets your health care needs

Do you visit the doctor’s office or hospital often?
What are your dental or vision needs?
Are there any medications you take regularly?
What current or upcoming health needs do you have?

3. Figure out your health care budget

Get a plan with a deductible, the amount you pay before your insurance pays anything, you are comfortable paying.
Choose a monthly premium, what you pay to have your insurance coverage, that fits your budget.

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4. Know the cost benefits of in-network care

Look at your provider’s network options.
Make sure your health plan covers the providers you need.

Caution! Get the protection you need

If you’re thinking about going without insurance until your benefits kick in, we urge you to reconsider. It can only take one unexpected injury or illness for you to feel the financial pinch. It’s not worth the risk, especially when we can help you find the right plan for your situation and budget.

¹ Short term health insurance does not qualify as minimum essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Signing up for this coverage may result in a tax penalty. Plans are subject to medical underwriting, and do not cover preexisting conditions.

¹ Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

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