Short term medical insurance

[Mentosfresh 0]

So I just started a new job and I don't get benefits for the first 90 days. What's a good short term insurance that could cover any potential skydiving injuries in the meantime?

[ryoder 1,590]

Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[akarunway 1]

Mentosfresh

So I just started a new job and I don't get benefits for the first 90 days. What's a good short term insurance that could cover any potential skydiving injuries in the meantime?

Obama care. And you get a free ph. too.

I hold it true, whate'er befall;
I feel it, when I sorrow most;
'Tis better to have loved and lost
Than never to have loved at all.

[GD64 1]

Yeah, obamacare?

Veterans Die Waiting on" Secret VA List": Ex-Doctor.......
http://www.newser....

Also on CNN reports.

If your comment was sarc, ignore.

[DrewEckhardt 0]

ryoder

Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

Right.

Loosing access to an employer plan may also be a qualifying event for getting subsidized insurance through the ACA exchanges.

[ryoder 1,590]

DrewEckhardt

***Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

Right.

Loosing access to an employer plan may also be a qualifying event for getting subsidized insurance through the ACA exchanges.

Good point!
I forgot about the qualifying event clause.

On the other hand, if there was a medical expense since the last job, COBRA will cover it retroactively back the the last day on the previous job, so there will be no gap in coverage.

"There are only three things of value: younger women, faster airplanes, and bigger crocodiles" - Arthur Jones.

[tetra316 0]

ryoder

Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

When I transferred jobs COBRA was a joke. Extremely overpriced. I found an individual policy for way less for a couple months.

[wolfriverjoe 1,523]

tetra316

***Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

When I transferred jobs COBRA was a joke. Extremely overpriced. I found an individual policy for way less for a couple months.

Well, when I moved jobs, COBRA could be paid for retroactively. For a longer time than I was going to be without coverage at my new job.

Since I didn't have any preexisting conditions that would require me to keep continuous coverage, I simply didn't pay for it. If I had needed it, I could have paid for it retroactively.

This course of action was suggested by the HR person at my old job.

"There are NO situations which do not call for a French Maid outfit." Lucky McSwervy

"~ya don't GET old by being weak & stupid!" - Airtwardo

[tetra316 0]

wolfriverjoe

******Did you just quit a previous job?
If so, then COBRA continuation offered by that employer is the easiest option.

When I transferred jobs COBRA was a joke. Extremely overpriced. I found an individual policy for way less for a couple months.

Well, when I moved jobs, COBRA could be paid for retroactively. For a longer time than I was going to be without coverage at my new job.

Since I didn't have any preexisting conditions that would require me to keep continuous coverage, I simply didn't pay for it. If I had needed it, I could have paid for it retroactively.

This course of action was suggested by the HR person at my old job.

The rules state you only have 60 days to elect Cobra coverage, at which time it is retroactive to your termination. However, after 60 days you are out of luck. Since I had to be employed at my new job for 3 months before getting insurance this was a no go.

http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html