COBRA HEALTH INSURANCE ALTERNATIVES

COBRA Health Insurance is the short term for the Consolidated Omnibus Budget Reconciliation Act, which basically allows workers to continue their Group Health Insurance Plans for a period of time - generally 18 months in most cases. The bad news is COBRA Health Insurance is not free, and there is no employer contribution to COBRA Health Insurance - basically it is the same Group Health Insurance you have at work, except you pay the FULL COST, plus up to 2% administrative fee also. In most cases, depending on your Health and pre-existing medical conditions. There are alternatives to COBRA Health Insurance. Don't settle for COBRA Health Insurance if you haven't explored your options.

More Information on COBRA Health Insurance:

What Are The COBRA Health Insurance Alternatives?

• Individual Health Insurance plans for ONE person OR the entire family area great and usually more cost effective alternative than COBRA Health Insurance.
• If ONE person has pre-existing issues and is not a good candidate for Individual Health Insurance, sometimes you can elect COBRA Health Insurance for that person only and put everyone else on an Individual Health Insurance plan.
• NO contract commitments - if you get obtain another job with a better offer you can CANCEL Individual Health Insurance anytime.
• GREAT FOR SELF EMPLOYED - Individual Health Insurance is perfect for self employed - ask us about HSA Health Insurance plans as well.
• BOTTOM LINE: You will NOT know just how affordable Individual Health Insurance is until you run a quote or call us today. Don't settle for COBRA Health Insurance if you don't have to!

Who Would We Not Recommend Individual Health Insurance as a COBRA Health Insurance Alternative?

• Any household member PREGNANT or PLANNING on becoming PREGNANT, DIABETICS (ALL), SEVERELY OBESE, RECENT OR CURRENT CANCER, PENDING SURGERY, Other major medical conditions unlikely to be covered on a new Individual Health Insurance policy.
• Despite what your co-workers or friends told you - Individual Health Insurance DOES NOT have to accept you for membership if you have pre-existing conditions - call us first to save you the time and headache! COBRA Health Insurance provider
• ALL PRE-EXISTING CONDITIONS - Call To Discuss Before Applying

When should you continue your group health plan benefits under COBRA Health Insurance?

You should continue your health benefits under COBRA Health Insurance if you:

• have had comprehensive benefits and don't mind paying more for them.
• want continual, guaranteed coverage at a higher cost.
• have had recent health problems.
• have had ongoing health problems.
• are taking expensive medications.
• have been declined for private insurance recently.
• have a history of medical problems.
• have had an accident within the 60 day window of enrollment.
• are pregnant or planning to get that way.
• got a job and your new employer does not offer a health plan.