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Insurance blues

Lost my job when the company I was working for went under. They didn't offer any kind of cobra plan or anything, so my health insurance just went away... No problem, I've used a couple different temporary insurance plans when I was inbetween coverage when starting new jobs. Then, I found out that as an expectant parent, there was pretty much no temporary insurance that would touch me. It didn't take me long to find a new job, but I've still got no insurance until the beginning of may.

Sitting here without any insurance is not exactly fun. I don't feel comfortable going out and riding my bike or running because I really don't want to have to worry about a wreck or a twisted ankle...

It would be nice if there was some kind of safety net...

Fri. Apr 20, 11:03am

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I might be able to help you. What state do you live in? The answer can vary based upon the state you live in.

Friday, April 20, 2007, 11:35 AM

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new jersey

Friday, April 20, 2007, 11:50 AM

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See if NJ has a CHIP plan. It covers maternity stuff - from what I've read about it here in PA. It's based on your income and household size.

Friday, April 20, 2007, 12:03 PM

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I feel for you. My insurance just "went away" when my husband divorced me. At least my kids are still covered. My job offers NONE. I can pay for some kind of policy on my own and give an arm and a leg for not much coverage at all. And my budget is tight enough as it is WITHOUT the insurance, but I can't afford not to have insurance either. What is something major happened to me while I wasn't covered? Our medical system sucks.

Friday, April 20, 2007, 2:20 PM

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OP here-

I don't know where new jersey came from, but I live in Wisconsin.

What scares me is just how easy it is to lose coverage- I mean, it's a good thing I didn't get laid off 3 moths earlier when I ended up in the hospital overnight with the worst case of the flu I've ever had- that's a $4000 bill that wouldn't be all that welcome.

The problem I've seen is that the only way I can get coverage I can afford is through work- temporary coverage is affordable but doesn't cover much, and that's assuming you can actually get it, and permanent private coverage is pretty damned expensive- I've never seen it lower than $300 a month for a 35 year old male, and that's with incredibly high ($3000) deductibles. For decent coverage, I'd be approaching $500 a month.

What I'd love to see is an insurance pool for small businesses and freelancers- where a single person could join the group but take advantage of the bargaining power of a larger group.

Friday, April 20, 2007, 6:00 PM

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I like John Kerry's plan from the last election of opening up the government health care plan so all US Citizens have the option of buying into a private large group insurance pool.

If you don't want government health insurance you don't need it, but it would be an affordable option available to everyone.

Friday, April 20, 2007, 6:29 PM

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lost my health insurance

I did too, I went cobra for a while, bought a really expensive crappy plan- GHI in New York City. And now I have nothing. I have some money in the bank, so I am basically self-insured.

Friday, October 05, 2007, 2:07 PM

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