When you've got simply become unemployed and misplaced your employer-sponsored group health insurance plan, a technique so that you can acquire affordable health insurance in Pennsylvania is to buy a conversion plan.
Conversion coverage is an individual medical health insurance policy that comes from the identical firm that offered group medical health insurance to your employer and his or her employees. If you happen to received employer-sponsored group medical insurance for at least three months, you might be eligible for conversion well being coverage. While you purchase a conversion medical health insurance plan in Pennsylvania, you must pay the premiums that your employer might have as soon as paid for you below your employer-sponsored group medical insurance plan; however, you'll be able to't be denied as a result of any medical conditions.
Affordable medical insurance in Pennsylvania in the form of conversion insurance covers not solely you, however anybody else who was previously coated beneath your employer-sponsored group health insurance plan. This contains your spouse - even when the 2 if you are divorced - and your children. As long as the individual is your dependent, and previously covered together with your medical health insurance policy, he or she can also be lined beneath your conversion protection plan.
You aren't eligible for conversion health coverage in case you are already receiving, or are eligible to receive, health insurance providing similar coverage from another group medical insurance plan, or well being care applications comparable to Medicare. Most often, you need to additionally dissipate the Federal COBRA health care coverage if you happen to qualify for it.
When you change into unemployed, you must be notified of your health insurance rights below conversion medical health insurance plans. Once you might be notified, you may have 31 days to apply for conversion coverage. You probably have not been notified of your medical insurance rights underneath conversion medical health insurance plans, contact your employer, the medical insurance firm from which your employer purchased the employer-sponsored group health insurance plan, or the Insurance Department of the Commonwealth of Pennsylvania.
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