Posts tagged with: obamacare

Healthcare

by

I thought the kids Medicare might carry over for a few months while I got settled in at the new job and decided on new health insurance, but because we moved states it will only cover emergency room visits. I could apply to move it to GA but with my new job and income, I no longer need too. Yippeee!!!

I am keeping it for emergencies while I get everything settled, but now I have to figure out what to do. Here are my options as I see them:

  • Sign up under my corporate sponsored healthcare at about $700 per month with a $40 co pay and $6000 deductible for in-network. It would not take affect until May 1.
  • Evaluate plans under Obamacare’s website if that is still a thing.
  • Sign up for Samaritans Ministries or something similar. From a quick query, this would run me about $320 a month for all 4 of us.

I know health insurance talks can be like beating a dead horse, but I certainly want to hear what the BAD community has to share about these options.

I have already opted to go with the corporately sponsored vision and dental options.  The costs are nominal, coverage decent and with three of us wearing glasses, we will definitely take advantage of it.  (Back in VA, we went to a dental school for our dental coverage, but living in the boondocks now, that is not a convenient option.)

By the way, second day at the new job complete.  It’s going great. I have my own office, my boss took me to lunch today and my co-workers are all really nice. I’m getting up at 5am and spending an hour at the gym before getting in a couple of hours at my contract jobs then I show up to work a little after 8am.  I’m hoping that by doing this I keep my nights and weekends as free as possible to spend time with the kids. Oh, and I’m down TWO pant sizes as I found out when I went to buy new jeans tonight.  Woot, woot!


What to do When You Lose Your Job

by

I’ve been attending a Job Transition group since I got the news of my impending lay off.  It’s been great to connect with like minded people (faith based group) who are going or who have gone through similar situations.  This morning the talk to turned to me with questions of healthcare now, unemployment benefits and general “what to do when you lose your job” tasks.

It’s been a LONG time since I was here…2006 to be exact.  Then it was pretty cut and dried.  I applied for unemployment benefits that lasted 4-6 months, paid for COBRA medical coverage for up to 18 months to continue our medical benefits and started a job hunt with weekly reporting to the Employment Commission to continue to receive my unemployment payments.

Now I’m not leaving corporate, I’m leaving contract work so no unemployment as far as I know, no COBRA and I had three weeks notice rather than the single day I had last time.  Very different and not so cut and dried.

So I’m hear asking for your collective wisdom…what do you do now when you lose a job?  Here’s what the Job Transition group advised me this morning….

  1. Apply for unemployment…let them tell me if I’m eligible or not.  At least it might result in some temporary income.
  2. With the new Obamacare, I cannot let my medical insurance lapse or I will face penalty, so I have to do something about that.  And without steady income, well that could be problematic.
  3. There  are lots of alternative resources out there, research them now, apply for help now, just in case, so that I don’t get to the point where I’m panicking and reach the point of no return with certain financial matters…suggestions are United Way (strict guidelines for help that I probably wouldn’t meet at this point,) local churches are not governed by strict regulations, grants for single moms, etc.

So here I am asking for your best advice, what would you do in my shoes?  What steps do I take now?