health insurance?


Question:
I am currently under healthnet insurance from work.On 9-11-06 i was termainated how long will i recieve my health benefits for?

Answers:
When you self terminate or "quit" a job, your coverage will usually terminate upon your termination effective date.

Meaning, if you give two weeks notice and your employer accepts, then your coverage will terminate on the last date of employement.

However, when you are terminated by your employer you receive 30 days of additional coverage. It is in your best interest to take care of any necessary medical visits before that 30 days is up.

Once it is expired you can purchase Cobra for up to 18 months (you have 60 days from the termination date to confirm your Cobra election).

The problem is that Cobra is typically far more expensive than your old employer plan would have been if you were paying for that out of your own pocket.

If you do not become re-employed you can find much less expensive plans that will afford you similar coverages and save yourself the ludicrous costs of Cobra.
some employers end benifits on last day worked, others keep it for 30 days. You can get COBRA for 6 months, either way, but it's more expensive.


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