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Cobra Health Insurance Options for Small Business Owners
The Bureau of Labor Statistics of the U.S. Department of Labor reported recently that employment continued to decline sharply in February (651 000), and the unemployment rate rose from 7.6 to 8.1 percent. Payroll employment has declined by 2.6 million over the past four months. In February, the job losses were large and widespread in almost all major industry sectors. Are you or your spouse 8.1% of you worried about joining this group? If you own asmall business or are thinking about starting small businesses then you need to understand how COBRA can have a dramatic impact on your financial future. Here are 7 things you need to know now!
1. What is COBRA continuation health coverage? Congress passed the landmark Consolidated Omnibus Budget Reconciliation Act (COBRA) provisions of health benefits in 1986. The law amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation coverage of group health that might otherwise be closed.
2. What do COBRA? COBRA provides certain former employees, retirees, spouses, former spouses and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. the group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since it usually the employer pays a portion of the premium for active employees while COBRA participants generally pay the full premium themselves.
3. Who has entitled to benefits under COBRA? Three elements are eligible for COBRA benefits. COBRA establishes specific criteria for plans, qualified beneficiaries, and qualifying events:
Qualifying Events for Employees:
Voluntary or involuntary termination of employment for reasons other than gross misconduct
Reducing the number of working hours
Qualifying Events for Spouses:
Voluntary or involuntary termination covered employee's employment for any reason other than serious misconduct
Reduction in hours worked by the covered employee
Covered employee's becoming entitled to Medicare
The divorce or legal separation of covered employee
The death of the covered employee
Qualification Events dependent child:
Loss of dependent child status of the plan rules
Voluntary or involuntary termination of employment of the employee covered by any reason other than serious misconduct
Reduction in hours worked by the covered employee
Covered employee becomes entitled to Medicare
Divorce or legal separation of covered employee
The death of the covered employee
4. How a person is eligible for coverage COBRA continuation?
To be eligible for COBRA coverage, you must have been enrolled in the health plan your employer when you worked and the health plan must continue in effect for active employees. COBRA continuation coverage is available in the occurrence of a qualifying event that with the exception of the continuation COBRA coverage, cause an individual to lose health care coverage.
5. What should I do if I want to take COBRA? Group Health Plans benefits are very rich. This means it is likely to have dental, vision, low co-payments for doctor visits, etc. The things you take for granted. Your employer, but often paying 80% or more of your premium and your share of the premium is only 20% or less. You do not realize the true cost of their health plan until you qualify COBRA and get that letter from your Human Resources Department gives STICKER SHOCK. Why? Because you see your new monthly premium could be up to 400% that what is out of his paycheck. What do you do? You get on the computer and start looking for health insurance quotes and see a lot of quotes that look attractive As an alternative, but you are comparing apples to oranges.
Here are three main points that are unclear when you look at these quotes team
First, the group plans in Georgia are "guaranteed awards", which means that everyone should be accepted. Individual plans of going through a process insurance, so you have to qualify and can not be accepted.
Most insurance companies usually reduced substantially the pre-existing as diabetes, cancer and heart disease. Minor pre-existing conditions such as weight, blood pressure and high cholesterol, etc are nominal This means that they charge you more. This subscription may take up to a month, if done correctly.
Also many of the benefits we take for granted in the group benefits plan are extra rich or "corridors" with each of policies that will increase your premium.
So what are my options if I just lost my job?
6. How does the Recovery and Reinvestment Act of 2009 Tax affect COBRA and I save more money? The law provides a government subsidy of 65% to employees who are involuntarily terminated between September 1, 2008 and December 31, 2009. The reduction of premiums only refers to premiums for the coverage period beginning after the new law was promulgated on February 17, 2009. The law does not allow reimbursement of premiums for coverage periods from before February 17, 2009. Qualified individuals may, however, receive the premium subsidy on, for up to nine months. So if you are already COBRA you can get this grant for up to nine months. Also if you refused COBRA during this period, can now enroll in the subsidized coverage. The agreement to play if you are planning on getting another job that provideGroup Health Insurance, and you just have to pay 35% of the cost of COBRA and may remain benefits coverage for the wealthy to 18 months.
BUT ... ...
What if you are planning to focus on his business full time Now, instead of getting another job? Then you really need to look much more closely to individual plans.
7. How to buy its own security plan individual health laptop your financial future? Let me tell you a story about how one of the more financial expertise was surprised of this life after riding his bicycle one day in Florida. I lived in South Florida and played tennis with a friend who retired from the Fortune 100, when he was 49. After many years of hard work that have taken early retirement and built his dream house in Florida. After several years his wife became bored and wanted to move to Atlanta. They bought one of the most prestigious developments in the Atlanta metropolitan area. Six months after construction began my friend was riding his bike and got short of breath. He called a tennis partner and neighbor who was also a cardiologist and the doctor said, "Come to my office and let you check out. "The cardiologist sent him straight to hospital and discovered that one of the coronary arteries of my friend and was reduced by stent" heart " was inserted to relieve the condition. Within a few days my friend was busy playing tennis and riding his bike. Thinking about your next move to Georgia, my friend choose to call your Health Insurance Company to move its Florida plan. Mind this was not a "fly-by-night, but one of the most recognized names in the industry insurance today! You can imagine their surprise when the insurance company said it was "uninsurable" in the state of Georgia. What happened? When my friend chose COBRA retired and when he moved to Florida had an individual plan in Florida. He assumed that because the insurance company had such a great name that it was a national company but it was so he could not get insurance at any price, in Georgia because he had this condition pre-existing heart disease GREAT.
You may be subject to similar or worse consequences if you become ill or have a serious accident during the period you are on COBRA. To avoid this type of situation or worse you need to work with a licensed health worker who specializes inSmall Business Entrepreneurs.
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