Online link guide & top recommendations!

Health Insurance tips for Unemployed

We’ve gathered some tips on how to make health insurance more affordable.  And we’re not just talking about the premium, but the pieces inside your health plan that can either save or cost you money.  Here are four obscure things to watch for:

1. Unique Co-Pays:  Some plans can have co-pays for ER visits or hospital stays up to $500 – and  $250 for outpatient surgery. This is on top of the deductible and co-insurance!  Look for plans with lower caps on your co-pay expenses.

2. The Drug Formulary:  Make sure the medicines you use are in your plan’s drug formulary – this makes them covered.  In some cases we’re seeing plans where half the medicines a person needs aren’t available.  Make sure you pick a plan that covers your prescriptions.

3. Drug Coverage and Your Deductible: Look for plans where drug coverage is not subject to the base deductible.  Some lower-value plans subject drug coverage to the deductible, thereby exposing you to a lot of extra expense.

4. The Network’s Negotiated Rates:  Another important element is the negotiated rates with a plan’s provider network.  Most of the more affordable health plans have far less up-front coverage, meaning you will have to meet a fairly large deductible before the majority of your coverage kicks in.  Being with a plan that has negotiated lower rates from doctors and hospitals may save an individual or family a lot of money.

As many people know, it’s not always easy to find affordable health insurance.  We encourage people to work with an experienced health insurance agent to make sure that when they compare health plans, they select the right one for their particular situation.

While a plan’s monthly premium is important, don’t ignore other pieces of the puzzle! Those other, more obscure elements might cost or save you more than what you pay each month in premium. ”




UnemploymentCom Features

✔How To File For Unemployment

Losing a job can be a challenging experience, but knowing how to file for unemployment benefits can make the transition a little smoother...MORE

✔Finding The Silver Lining In Unemployment

there are still some benefits to being unemployed that you can take advantage of until you find a new job. ...

✔How Much Compensation Will I Receive? What If I Quit My Job?

The amount of compensation you can receive from unemployment benefits varies depending on the state where you file your claim, as well as your previous earnings. In general, unemployment benefits are designed to replace a portion of your previous earnings, usually between 40% and 60%. ...MORE

✔UnemploymentCom Career spotlights - Electrician

Are you worried about A.I. taking your jobs in the new few years. Follow our new series on career spotlights for an A.I. future. Learn about electrician job requirements...More

✔Benefits Available To You

This amount is conditioned by the claimant’s earnings in the ‘base period’. Each and every state has its own rules, regulations, procedures and requirements which need to be followed when an individual wants to file for unemployment benefits....MORE

✔Explain Disability Benefits

Disability benefits are financial assistance programs provided by the government to people who are unable to work due to a disability.....MORE

✔Top 10 Ways To Make Money

Are you looking for ways to make some extra cash on the side? Whether you're trying to save up for a big purchase, pay off debt, or just increase your income, there are plenty of ways to make money outside of your regular job.....MORE

✔Returning Students Financial Aid

Returning to school is a significant decision that can have a profound impact on an individual's personal and professional growth. However, the financial aspect of pursuing education often poses a challenge for many prospective students.....MORE

Home | Privacy | Terms of Service | Unsubscribe
© UnemploymentCom.com All Rights Reserved.

www.unemploymentcom.com is not affiliated with the
United States Government and is a privately operated web site.

We receive compensation when you participate
in 3rd party offers found on our site.