Unpaid Leave
A leave of absence means a time of transition and change. You’re likely dealing with a lot. On top of it all, depending on the type of leave, FMLA or otherwise, you may also find yourself looking for new health insurance.1
The good news: Losing your job-based health insurance coverage for any reason may be a qualifying event that opens a special enrollment window giving you 60 days from the day you lose your coverage to buy your own individual health insurance.
We realize that dealing with health insurance right now may feel overwhelming. It’s our job to make it easy for you to find a plan that meets your needs and your budget. With our helpful online tools and licensed Product Advisors, we can help you find a plan that meets your specific needs.
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.
Missed Your Special Enrollment Window? We Can Help With That, Too
Short Term health insurance, also called Temporary insurance or Term health insurance, may be just the thing to get you to that next Open Enrollment period. It’s designed to bridge gaps so you’re covered until you decide on a long-term health care solution. Learn more about Golden Rule Insurance Company Short Term health insurance.F5
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.
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.
1 FMLA requires your employer to keep your benefits. Other types of leave may qualify you for COBRA. Check with your employer.
2 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.
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