Consumer Coverage Blog
April 23rd, 2009

When you are ready and willing to buy health insurance nobody should be able to stop you. This is something that you need, and if you let somebody get in your way it could end up putting you in a bad position. The easiest way to get  health insurance is to realize that you need it, decide which steps to take, and then make it happen. There is no point in waiting around. 

Even if you lose health insurance through your employer you can still get back on top of things if you have an idea of what you are doing. Again, your employer can take away group health insurance coverage but they have no right to stop you from buying a policy on your own. 

Whatever obstacle is in your way you need to move it aside as soon as possible. You don’t want anything to get in your way, or slow you down if you need to move ahead quickly. 

Do you feel that you are being held back from buying the right health insurance? In this case it is important to overcome the obstacle that is facing you, and then move forward until you are satisfied with the end result. Soon enough you will realize that you are the only one standing in the way. 

March 4th, 2009

Jacksonville, Florida (32256) — The new economic package that Barack Obama signed into legislation will help health insurance consumers get help for a period of 9 months per with their health premiums.   The new law was put into place last month and will help with the extremely high costs by subsidizing your COBRA health insurance premiums for workers who have lost their jobs. Did you know federal Consolidated Omnibus Budget Reconciliation Act, or COBRA, an employee that loses their job can continue their former employer’s health plan for up to 18 months, but that is only if they pay can come up with the entire cost of the plans premium, plus the dreadful 2% administrative costs. Most COBRA premiums are pretty expensive and can exceed $500 a month for an individual.  For families it is you could easily see a $1,200 a month premium.

The new reinvestment act and or stimulus package will subsidize 65% of the COBRA premiums for employees who have recently lost their jobs, backdating to September of 2008 and lasts for a 9 month period.  Once your 9 months is up you can purchase a new private health insurance  plan or pay the entire COBRA premium. Did you delay signing up for COBRA coverage when you lost your job?   If that is the case you have 60 days to re-enroll after you receive a notice from your employer.  How great is that.  Your employer in some cases will be paying more for your COBRA then they contributed to your monthly costs.  Do you think this will last for long?  Or is Mr. Obama setting up the health care system for failure?

February 23rd, 2009

A recent survey shows that an estimated 4 million American citizens have lost their health insurance.   We have declared a recession within the last few months, and as many as 15,000 individuals could be losing their health insurance coverage daily.  This new health care report was issued by liberal think tank Center For American Progress.

This new report also claims at nearly half of the 5 million who lost their health insurance coverage still are uninsured. Previous our recession there was an estimated 47 million Americans without health insurance coverage.

With the recent crazy economic climate, however, it is likely increased the vast number uninsured at the rate of 15,000 a day, according to the center.  Is that possible? With the new Cobra credit help americans?

This new report uses estimates from many Institute researchers that a two percentage point rise in the unemployment rate (higher in Florida) causes 2.5 million individuals to lose employer-sponsored group health insurance coverage. Of those people, 2 million rely on Medicaid or the Children’s Health Insurance Program and 2.1 million end up uninsured problem. 

Where do we go from here?  Will the rate of the insured keep rising?  Or will we find a solution that keeps everyone happy?  Let us know what you think?  We want the health insurance revolution to begin!