getting insured

Are the two of you covered no matter what? Find the insurance coverage you need and answers to all your insurance questions right here. Let's start with you and your honey: We've got health insurance information to help you choose the right plan and advice on how to get and keep health insurance even if your circumstances change. We've also got the inside scoop on life insurance and disability insurance. Now let's move on to some of the key parts of your life, like where you live. We have home owners insurance advice to help you understand what kind of policy you need, what's covered, and what to do when you need to use it. Besides the house, what about your wheels? You'll find answers to all your auto insurance questions, including how to cut car insurance costs. And let's not forget the little things! Ever thought about insuring your engagement ring? It might not be covered by your renter's or home owner's policy, so you ought to check if you have ring insurance. We've also got general insurance advice that can help with all your coverage, from the eight tips newlyweds need to know to tried and true tricks from real Nesties about insurance. You can also chat with other Nesties to get insurance advice right here. Whether you've got auto insurance questions, need home owners insurance advice, want help with health insurance information, or just want the dirt on insuring your engagement ring, you've hit the right spot.

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health insurance

How to Get Health Insurance if You Lose Your Job

The only thing you feel like doing is drowning your angst in a pint of Ben & Jerry’s, but get off your butt and lock in health insurance pronto. Here’s how.

Step 1: Talk to your HR department

Find out from your HR department how long the coverage that you’ve already paid for will last. Often they carry you through the month of your termination. Pursue a new insurance plan immediately so you don’t have what’s called a “lapse in coverage.” Don’t wait until the day your old policy runs out to apply for a new one.

Step 2: Suss out your spouse’s policy
Hopping onto your spouse’s health insurance plan may make the most sense. Even though most companies have time-specific open enrollment periods, a job change or loss is considered a “qualifying event,” which means you may sign up for their plan at any time. Also note that depending on your spouse’s company, their premium could go up because you’re becoming a dependent on their plan (sorry, in this case, you’re considered more baggage). Your new insurer may also inquire about a preexisting medical condition, even if it’s just physical therapy for your knee injury (more baggage). They may exclude you from coverage on that medical issue for 12 months, so you’ll have to pay out of pocket until then.

Step 3: Consider Cobra
While you’re looking into your spouse’s plan, also consider Cobra. It lets you pay group health insurance rates even though you’re not part of the group (i.e., your company) anymore. Plus, it saves you dough under Obama’s new stimulus package. If you lost your job after last September 1 and your and your spouse’s combined income is less than $250,000 per year, you only pay 35 percent of the Cobra premium for the first nine months of your coverage. The rest is on the government’s tab! If your company has more than 20 employees and provides health care benefits, you’re likely eligible for Cobra coverage, so go to CobraInsurance.com for details.

 

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