Seguro médico para desempleados

Health Insurance Options If You're Unemployed

 

Perder el trabajo es una de las experiencias más difíciles que puede enfrentar una persona, pero no debería implicar la pérdida de la cobertura del seguro médico que tienes tanto tú como tu familia. To protect your health during a coverage gap, you may be able to enroll in a Marketplace insurance plan, Medicaid, COBRA, or other flexible coverage options.

Find Marketplace Health Insurance Coverage

 

For most states, the Open Enrollment Period to sign up for a Marketplace insurance plan is November 1 through January 15 (be sure to confirm your state's specific enrollment timeline). But if you experience a job loss, you may qualify for a Special Enrollment Period. Depending on the type of Special Enrollment Period you qualify for, you generally have 60 days before or 60 days following your loss of coverage to enroll in a plan.

 

Thanks to the Affordable Care Act, you can compare and purchase Marketplace health insurance plans. La condición de empleo no es un factor que se tiene en cuenta para la elegibilidad. Tu costo se basa en el estado en que vives y en tus ingresos. You may also qualify for a health insurance subsidy, which is financial help that lowers what you pay for your monthly premium.

 

Benefits Of Marketplace Insurance Plans

  • Cover 10 essential health benefits on all Marketplace plans, including doctors’ services, hospital care, prescription drug coverage, and mental health services.

  • Offer flexible plans to fit specific needs and budget

  • Cover preexisting conditions

Receive Extra Financial Help Through The American Rescue Plan

 

The American Rescue Plan provides additional financial assistance to help you pay the monthly premiums for Marketplace health insurance plans. The law offers individuals an opportunity to enroll in coverage that may be more affordable. In some instances, you pay as low as $0 in premiums for Anthem Marketplace plans.1 An estimated 9 out of 10 Anthem members with individual coverage will qualify to receive financial help to lower the cost of their health plan.2

 

Apply For Medical Coverage Through Medicaid

 

Upon completing your Marketplace application, you may discover that you qualify for Medicaid. Con base en los ingresos principalmente, Medicaid ofrece cobertura médica gratis o a bajo costo para personas, familias y niños, mujeres embarazadas, personas mayores y personas con discapacidades. Some states have expanded their Medicaid programs to cover any individual below certain income levels.

 

Benefits Of Medicaid

  • Covers doctor visits, hospital stays, and prescriptions

  • Is low cost and sometimes free health coverage

  • Includes Children’s Health Insurance Program (CHIP) options for children

Extend Health Insurance Coverage With COBRA

 

Otra opción podría ser continuar tu cobertura del seguro médico con el plan de salud de tu empleador anterior. La Ley Ómnibus Consolidada de Conciliación Presupuestaria (COBRA) ofrece una continuación de la cobertura médica grupal para los trabajadores afectados por la pérdida de empleo por hasta 36 meses. COBRA eligibility is based on:

 

Tu plan médico grupal. Por lo general, la ley se aplica a planes de salud patrocinados por empleadores con 20 o más empleados, o por gobiernos estatales y locales. Some states also afford similar continuation coverage to individuals covered by group health plans sponsored by employers with fewer than 20 employees.

 

Tu evento que califica. Qualifying events include reduction in your work hours or a job loss for any reason other than gross misconduct, which has caused you to lose your coverage. A qualifying event also determines who qualifies and how long your group health plan must offer continuation coverage.

 

Advantages Of COBRA

  • Mantiene la cobertura del seguro médico consistente de tu empleador anterior

  • Covers up to 36 months

  • Provides coverage for reduced hours, as well as job loss

Consider A Comprehensive, Flexible Coverage Option: Anthem Enhanced Choice

 

Anthem Enhanced Choice plans provide coverage that offers many of the comprehensive benefits of employer-based or stand-alone health insurance plans for the growing number of people who are not covered by traditional health insurance.3

 

Anthem Enhanced Choice plans are designed to accommodate flexible life situations. Algunos planes están disponibles con una cobertura que dura alrededor de 36 meses por tres periodos de cobertura, y solo tienes que presentar tu solicitud una vez.4

 

While Anthem Enhanced Choice plans are not compatible with the Marketplace plans, they are medically underwritten. Consumers receive essential coverage while being able to save with lower premiums versus unsubsidized Marketplace plans. You can compare them to what you might pay for Anthem Enhanced Choice with other health insurance costs.

 

Advantages Of Anthem Enhanced Choice

  • Offers comprehensive coverage compared to most employer-based plans

  • May offer lower premiums than Marketplace plans if you don’t qualify for financial help

  • Has flexible coverage periods that last for up to 36 months


Con tantas opciones, podrías necesitar ayuda para elegir un plan. Anthem is here to assist you in choosing a health insurance plan that fits your current situation and budget, so you can be confident that you and your family are covered and protected.

 

1 Based on federal and/or state exchange requirements and subject to change. Anthem Blue Cross and Blue Shield and HealthKeepers, Inc. are Qualified Health Plan issuers that in certain geographic areas offers some health plans with a $0 or $1 premium option (after subsidy applied) through the Health Insurance Marketplace or your State Exchange. Health plans with a $0 or $1 premium option are not available in all areas and eligibility for these plans is based on federal annual income guidelines. Call us for information because not everyone will qualify. For example, singles earning up to $19,140, and couples earning up to $25,860 may be eligible. Family income eligibility varies based on number of family members.

 

2 Anthem Business Intelligence Analysis of 2021 WEM Application data and FPL Distribution; May 2021.

 

3 Anthem Enhanced Choice coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). En la póliza también encontrará los límites de por vida y/o de pago anual de los beneficios de salud. Si esta cobertura caduca o pierdes la elegibilidad para ella, tendrás que esperar hasta que haya un periodo de inscripción abierta para obtener otra cobertura de seguro médico.

 

4Nearly 18 months of coverage for Wisconsin. En Ohio, la cobertura es por 364 días con la opción de presentar la solicitud para periodos adicionales (364 días cada uno).

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