Ten Tips: When You Lose Your Health Insurance

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Article Title:

Ten Tips: When You Lose Your Health Insurance

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Article Description:

Tips on how to cope with losing your health insurance and

replace it if possible.

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319 Words; formatted to 65 Characters per Line

Distribution Date and Time: 2009-09-29 13:12:00

Written By: Rickey Pearce

Copyright: 2009

Contact Email: mailto:RickeyPearce@...

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Ten Tips: When You Lose Your Health Insurance

Copyright © 2009 Rickey Pearce

Rocky Mountain Health Plans

http://www.rmhp.org/

Here are ten tips you can implement when you lose your health

insurance:

1. You may be offered a " COBRA " insurance policy, especially if

your job has been lost. This enables you to gain easier

acceptance, but doesn't necessarily provide the best rate or

coverage available.

2. When your doctor prescribes a medication, ask him or her if a

generic prescription could be substituted. Generics cost less,

partially because they aren't heavily advertised.

3. If you lose your medical coverage and become injured, most

healthcare providers are willing to offer a long-term payment

arrangement when asked.

4. Try not to forgo relatively inexpensive preventative measures,

such as flu shots and vitamin supplements. These can help prevent

more costly illnesses.

5. If your spouse is employed, find out if his or her employer

offers discounted medical insurance coverage for employees'

spouses.

6. People can use the Internet to conveniently request quotes

from one or more Colorado individual health insurance providers,

sometimes instantly. Quotes are free and require little

information, so there is nothing to lose.

7. Until you acquire insurance again, try to avoid recreational

or other non-essential activities which pose a risk of injury -

such as horseback riding or skiing.

8. When you lose health insurance or only have a high deductible

policy, consider using a lower-cost healthcare provider such as

Concentra Urgent Care for problems which aren't imminently

life-threatening.

9. Don't assume that your income is too low to afford any

medical insurance. In Colorado, a relatively young person may be

able to obtain a high-deductible policy for under $100 per month.

10. Be sure to look at the extra features of different health

plans when comparing them. Even high-deductible plans may include

eye care discounts, health savings account access, or other

benefits.

Applying these tips when you lose your health insurance will help

decrease costs and enable you to access as much health care as

possible.

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Rickey Pearce is an insurance agent as well as a part-time

author. Rocky Mountain Health Plans offers a variety of

affordable Colorado Individual Health Insurance plans

(http://www.rmhp.org/individuals-families/), as well

as group and supplemental Medicare coverage. Learn

more at: http://www.rmhp.org/