I'm sure it's totally expensive if it's even optional, but I cannot tell by googling whether it is even available in NC. I know it's not in NJ and a few other states. My husband got laid off and as of Aug. 1 we are without insurance. One son has asthma, and there are three siblings, too. Hubby and I aren't really keen on lapsing our coverage because we fear it might screw up acceptance when his new job's medical picks up as of Sept. 1. Where should I go or look to get real ideas for what to do? Cobra is out of the question...we certainly don't have that kind of money!!!
2 of mine have asthma. Sometimes you can contact the distributor directly for very discounted meds. I would also ask an Urgent Care type place of where you can get temp coverage. They should definitely know. I know there is a free medical clinic on Rock Quarry Road. I found a list one type by searching the web but have no idea where that list is now. Iwish you all the best and sorry I can't be of more help. Good luck. stephanie--mom to 7
Blue Cross might provide a major medical policy with a high deductible for the family for a lower price. At the very least, it would cover you until your husband starts his new job. This might help prevent the lapse in coverage and cover you if something catastrophic happens.
did u price the cobra? its not as expensive as it used to be, you only have to pay 35% of the cost. otherwise, I'd look at BCBS, and yes, you don't want to let it lapse!
Your hubby's previous insurance should have provided him with a letter proving that he had coverage up to the day it expired. His new insurance will request this letter, to put on file, to show that he has had coverage within the past 60 days I think it is (although health insurances may vary on specific time lapses). I have pre-existing conditions (diabetes, thyroid) and they waived any pre-existing exclusions when proof of coverage was filed. Check with the new health insurance to see what kind of documentation is needed; they can do it right over the phone with your old health insurance for you. I know not having health insurance for a month can be unsettling, but if you can hang in there, the transition won't be difficult. Barring any unforeseen emergencies, you will be fine. Believe me, husband has lost jobs due to bankruptcy, outsourcing, plant closings, etc., and we have been through this before. Just a matter of playing the "red tape" game...hope this helps
