Benefits of COBRA Coverage
If you like the benefits offered through your employer's plan, but were recently laid off; it may be in your best interest to enroll in COBRA. Private health insurance companies tend to turn away people with pre-existing health conditions whereas COBRA provides the same coverage you enjoyed from your company despite any pre-existing conditions. Premium costs for beneficiaries reduced by 2/3 for the first nine months due to stimulus package provisions. You receive the same quality of care and network offered through your employer's plan.
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The Road Ahead
The economic crisis may last longer than expected, but at least there are health care options out there if you find yourself unemployed in America. The stimulus plan will make COBRA more affordable than ever and provide some shelter from the storm. The road ahead may seem dark right now and health insurance may seem like just an extra expense, but it is important to consider the peace of mind that goes with the stability of having health insurance that covers you while looking for your next venture. There is a light at the end of the tunnel and right now may be the best time to take advantage of the massive reduction in COBRA coverage.
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