So, what is the Best Way To Get Affordable Medical Insurance In Pennsylvania you ask? OK, so you just lost your job and lost your employer-sponsored group medical insurance, one method for you to acquire affordable medical insurance in Pennsylvania is to buy a conversion strategy.
Let us explain how this is done, and why…
Conversion protection is a specific medical insurance policy that originates from the very same business/company that provides group medical insurance to your employer and his/her staff members.
If you got employer-sponsored group medical insurance for no less than 3 months, you are qualified for conversion health protection. When you buy a conversion medical insurance strategy in Pennsylvania, you only pay the premiums or rates that your company did for you under your employer-sponsored group medical insurance strategy; The good part is. that you can’t be rejected due to any medical conditions.
The conversion insurance covers not just you, but anybody else who was formerly covered under your employer-sponsored group medical insurance strategy. This includes your partner – even if you are separated or divorced – and your kids. As long as the individual was formerly covered under your medical insurance policy, she or he can likewise be covered under your conversion protection strategy coverage.
You are not qualified for conversion health protection if you are currently getting, or are qualified to get, medical insurance from another group or healthcare programs such as Medicare.
Most of the time, you should likewise use-up the Federal COBRA healthcare protection if you receive it, first.
When you end up being jobless, you should be informed of your medical insurance rights and conversion medical insurance strategies/plans. As soon as you are alerted, you have only 31 days to make an application for conversion protection.
If you have not been alerted of your medical insurance rights under conversion medical insurance strategies, call your company and talk to the medical insurance firm from which they bought the employer-sponsored group medical insurance coverage initially or the Insurance coverage Dept. of the Commonwealth of Pennsylvania.