I have a Health Insurance Option for those of you who are in this situation. Call me and I will go over what option is in your best interest!
Ray Martin, Financial Adviser as seen at, (http://www.cbsnews.com/stories/2009/01/09/earlyshow/contributors/raymartin/main4710159.shtml), states; "do NOT go without insurance, assuming it's going to be prohibitively expensive. The No. 1 reason individuals file for bankruptcy is medical bills that can't be paid thanks to a lack of insurance. But, he stresses, you do have some choices."
Let me go over one particular choice with you.
Short Term Medical (STM) plans are an affordable option to consider. You will want to be sure to conduct a complete medical history with me before you decide to waive your right to the COBRA benefit. STM is not for everyone, but it is the best affordable option for most unemployed or underemployed individuals and families.
STM is available a month at a time up to six months, or for a specific number of days up to 180 days. When you purchase a policy for specific number of days you will see a cost savings. One thing to consider when you purchase in this manner is that any unused days will not be refunded to you. If you elect to pay per month then you can cancel usually at the start of the next unused month.
I prefer to use AZ Temp Med which is a CSA General Insurance Agency. You may find more information and apply for a STM policy by using the following link.
https://www.hpainsurance.com/(S(lhmmjxrwp4xzwf45rwyfc1qc))/qt/AZTempMed/default.aspx?agent=CSA82348
Here are some benefits to the AZ Temp Med STM:
- Next Day Effective Dates
- Simplified Underwriting
- Unlimited Re-Applies
- $2,000,000
- No Copay - everything goes toward to deductible and coinsurance
- Choice of Deductible and Coinsurance Amounts
- Optional Supplemental Accident Benefit
- Monthly or Single Payment Options
- Child-Only Coverage Available
- You Can Use Any Hospital or Doctor
- 10-Day Right to Return the PolicyPost Options
- No Waiting Periods!
Please don't tackle your health insurance needs alone after losing a job. STM is an affordable option and I am here to assist you. I will help you find the plan that best suits your individual and family needs.
