There are few things in life that are as tough as facing the prospect of being unemployed. Besides the intense financial stress to come, unemployed people also have to deal with the loss of benefits, such as health insurance. It becomes extremely difficult to pay for an individual health insurance plan without a stable source of income. Fortunately, there are several avenues that a person can pursue when they want to get free insurance for unemployed.
However, you need to act fast if you are seeking unemployment insurance benefits. Loss of job is to make a person eligible for a special enrolment period, lasting 60 days, within which the policyholder can avail the benefits provided under the special insurance plan. Additionally, you can also choose to buy private health insurance which often offers more flexibility than standard government insurance coverage. For instance, you can choose to buy a short-term insurance policy for a year in several states in the US.
Where to get free medical insurance for unemployed?
To determine the easiest and most efficient source for medical insurance for unemployed persons, we checked and reviewed numerous health insurance service providers in the country. After an intense review, we selected the top 5 ways to get free medical insurance for unemployed.
1 – The IHC Group
The IHC Group is considered the best option for those seeking short-term coverage. It is useful to fill the gap between employments. Medical insurance from the IHC Group offers a flexible term of up to 364 days. The minimum insurance coverage starts only at US$ 100 per month and the complete medical insurance covers as much as US$ 2 million in insurance benefits. You can even choose to add auxiliary coverage for family members too.
If you are presently unemployed but are confident to get employed within a year, then this short-term insurance plan is best suited for you. IHC Group offers to activate your insurance coverage on the very next day of payment of premium, thus making it the top short-term health insurance option for the unemployed.
2 – Sidecar Health
Sidecar Health is an innovative medical insurance provider. This innovative insurance plan does not require the beneficiary to show their insurance card at the hospital or clinic. Instead, Sidecar provides the beneficiary with a payment card that pays for hospital bills in cash. As the money for payment comes directly from you, this allows you to visit any doctor without being restricted to only the supported healthcare network.
Overall, Sidecar Health offers its medical insurance plan at extremely low monthly premiums and allows incredible flexibility in choosing the right doctor for treatment. Additionally, it provides users with advanced digital tools which makes it easier to receive insurance benefits at any time and at any place.
3 – Cigna
Cigna is renowned for offering free access to two of the US’ largest virtual care networks, which makes it an incredible choice for telehealth.
Cigna medical insurance plans involve free virtual care through a partnership with two leading telehealth networks. It offers around a US$ 25 monthly co-pay limit on insulin, which is extremely helpful for diabetics. Additionally, the medical insurance plan also offers complete dental coverage for just US$ 19 per month. Beneficiaries can call customer support around the clock for an optimal service experience.
4 – Ambetter
Ambetter is another leading company that provides medical insurance for the unemployed. It is highly recommended for those seeking inexpensive and reliable dental insurance coverage. It offers affordable insurance plans, starting at only US$ 12 per month. There is an excellent rewards program offered with insurance covers for additional benefits.
If you are currently unemployed and looking for an affordable, effective and reliable dental insurance plan, then Ambetter is the best option.
5 – Oscar
Oscar health insurance plans are highly advisable for unemployed persons who wish to get inexpensive and effective health insurance for the entire family. These insurance plans are all eligible for tax credits. It has become easier to use Oscar since it launched its own smartphone app for better customer service.
Oscar beneficiaries are not charged for any concierge tasks or virtual visits. Simply download the Oscar app on your smartphone, make the premium payment and your insurance plan get effective immediately.
Unemployment feels worse when your insurance gets revoked by the employer. However, with the above-mentioned sources, you can now find easy, effective and affordable medical insurance for the unemployed anywhere within the US and ensure optimal healthcare for your family and you. You are more likely to be eligible for medical grants if you are an unemployed mother or pregnant.