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Date Created |
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| 05/01/2003 02:52 PM |
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Date Updated |
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| 01/02/2004 09:58 AM |
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I lost my job, or I lost my health coverage at work, and no longer have any insurance. How can I get health insurance now? |
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Question |
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I lost my job, or I lost my health coverage at work, and no longer have any insurance. How can I get health insurance now? |
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Answer |
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You may qualify for Medicaid. Even if you do not qualify for Medicaid, some states have other progams that may help you. Your local Medicaid office or your state can provide you information. For more information on applying for Medicaid, visit the How do I apply for Medicaid? FAQ.
COBRA insurance allows you to keep your health insurance if you lose your job. Federal law requires employers to offer this option. If you elected COBRA continuation coverage when you were working, you can keep your health coverage but you must pay the full premium. In some states, Medicaid helps pay for the premium.
For more information about COBRA, contact the Department of Labor (DOL) at 1-866-444-3272, or access DOL's website at www.dol.gov if you were employed by a private sector employer. If you were employer by a state or local government employer, contact Public Health Services, or access CMS's website at http://www.cms.hhs.gov/hipaa/hipaa1/cobra/.
If your spouse has health coverage at work, you may be able to enroll in your spouse's health plan under a "special enrollment" procedure authorized under federal law. You must request enrollment with 30 days of loss of your coverage. Your state department of insurance can provide you information about this procedure.
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