UHC Short Term Plan for 2 months?
I was laid off at my old job, but as a part of my severance package my old medical insurance was continued for 1 month (until the end of July). I have already started a new job, but the problem is that my new health insurance won’t begin until October 1st. So for the 2 months between the two employer health insurance plans it seems like I will have 2 options: (1) get Cobra when the info is sent to me at the end of the month for about $850 a month or (2) sign up for a temp plan for about $105 a month ($5k deductibles). I am healthy with no pre-existing conditions, except a broken toe that occurred 2 weeks ago while luckily still on my old employer’s insurance. They simple buddy taped it and gave me a support boot at the urgent care and told me it should heal in 4 weeks with nothing else needed. I want to make sure I still have insurance for the 2 month gap because I am accident prone (hence the toe) even without doing dangerous activities and don’t want to be on the hook for major bills. I am lucky enough to be in a situation where i can swallow a bill up to $10k over time if absolutely needed, but really want to make sure I don’t go bankrupt from an emergency room visit. The only other advantage of going with cobra besides it being more comprehensive, is that I would still be talking to the same insurer that will be covering the bills for my toe while I was still covered under them regularly. My future insurer under my new employer starting in October will not be the same as my old one and it’s not United either.
submitted by /u/Frosted_Tackle
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