Tips For Those Who Lose Their Health Insurance

Tips For Those Who Lose Their Health Insurance

With the 2nd Great Depression hitting the US hard, many people are facing layoffs or have already succumbed to the downturn in the economy. Normally, the first thing to be lost is health insurance which is needed more today than ever before due to rising medical costs. Although the Obama health care plan is set to be implemented in 2014, for many people this wait will be too long. They need coverage now.

Regardless of an individual’s current situation there are things that can be done to ensure coverage is continuous while the courts hash out the difficulties in the proposed plan. For instance, for those who have recently been laid off, the Consolidated Omnibus Budget Reconciliation (COBRA) program can be obtained for up to 18 months after losing a job. Although somewhat expensive, for those with immediate medical needs it can provide coverage until new employment can be found.

Even for those with health insurance, preventative measures can help reduce the number of times an individual needs to see a doctor. This can be especially important after losing a job that provides insurance. Changes in diet, exercise, healthy eating, eliminating smoking, and reducing cholesterol can all help.

Of most importance is reducing stress which is difficult to do when one is concerned about job stability or financial concerns. This can be accomplished with sufficient sleep, maintaining a healthy lifestyle, and using relaxation techniques that are designed to help keep one centered, focused, and stress-free. Once insurance is again reinstated, then seeking an immediate checkup will help ensure continued good health throughout life.

Many doctors are now responding to the difficult economic times by reducing treatment, drug options, and even fees for those who have lost their coverage. Additionally, they are often in the best position to refer individuals to alternative medical coverage such as that provided by state agencies based on income. In this way, if one is on unemployment, for instance, medical attention can still be sought.

Medicaid and Medicare are examples of state programs that serve millions of Americans on a daily basis. Medicaid is designed for low income families or those who are qualified in other ways to have medical needs. In this program bills paid directly. There is sometimes a co-pay involved, but it is often a nominal fee. Medicare, on the other hand serves those who are 65 and older. Again, there are usually eligibility criteria, but this is easy to determine through their online website.

Another option is to seek alternative treatments. This would include such things as acupuncture, chiropractics, massage therapy, reflexology, and various other techniques which can treat everything from depression to medical ailments. Today 38% of the population in the US utilize these services and are finding they require the services of a doctor less because of it.

Skyrocketing costs in the medical field as well as in health care are impacting employers and employees throughout the US. Of all the benefits paid by employers, health care is by far the greatest expense and, once lost, leaves many employees wondering how they will survive until the economy and job market improves. By seeking out additional information on the tips given here, health insurance can be found that will ensure medical treatment is provided when needed.