You need to stay healthy so that you can function well and this will be assisted when you have a medical cover. Several factors could jeopardize your medical cover and such instances include when you have experienced some changes at the workplace, your working hours reduced and in severe instances lost your job. The best alternative in such a case is to opt for COBRA medical insurance and this is an act that is supported by the federal government. COBRA makes sure that you have the capacity to retain your health insurance even when you something negative affects your job. Even when you have aspects that could affect your work, it is through cobra insurance that you can manage to remit your full health insurance.
There are those individuals who are between jobs and it is crucial for them to retain their health plan and this will be possible when they consider cobra health plan. Managing to retain your health insurance is a crucial aspect and this shows the importance of cobra health cover. In the past, when you were in between jobs, this meant that you would lose your medical cover and this was a devastating thing. It is after this act was made law that individuals could select to remain covered. It is also essential for you to know the instances when you can qualify for cobra health insurance and a good service provider can guide you through the process. One of the major qualifiers of a cobra health insurance is when you have lost your job or your working hours have been reduced.
In case your employer was providing you with health insurance as a group, then you need to continue getting these benefits. Another instance on whether you qualify for a cobra health insurance or not is your previous working station. In case you were working for a business that was relatively small, then you are not eligible for this health insurance. There are times when your group health insurance can be affected negatively and this happens when there is change of job status, and you have a specific period when you can get an application for these benefits.
It is during this time frame that you need to know if you will go on with your employer-sponsored plan or seek an alternative. There are many agents that can always assist you with information that you need and this is what will help you to make the right choice. You can decide to call the representatives and then get your quote.