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Old 08-14-2006, 08:22 AM
 
393 posts, read 1,739,305 times
Reputation: 149

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I want to move out of state, and I am actually thinking about quitting my job and starting over. How long will my insurance cover me before I must pay out of my pocket, and does it carry over like that? Does it depend on the company and the type of insurance I have? I have never done this before, so I am unsure.

It is hard for companies to take me seriously out of state, when I am looking for jobs......They are pretty much hiring people that are already in the area so I don't really know what to do. The area I want to live does not have facilities even close to where I want to move too for transfer. Or should I just look for the closest facility? Which would mean more than one move!!

I am nearing 50, single/no children with avg health so I am taking a huge risk relocating w/o anything, can anyone help? I have BC/BS right now.

THANK YOU SO MUCH
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Old 08-14-2006, 08:38 AM
 
Location: east of my daughter-north of my son
1,928 posts, read 3,192,477 times
Reputation: 885
I would check with BC/BS and see about something called COBRA. It's when your old insurance covers you for x amount of time until you can find new insurance. Also, since BC/BS is everywhere, why can't they continue to cover you no matter where you move? I would check with them. Good luck. Insurance is always a tough problem.
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Old 08-14-2006, 09:30 AM
 
Location: Houston, TX
1,610 posts, read 4,386,018 times
Reputation: 1459
When you leave a job that has been covering you for health insurance you do indeed have the right to COBRA. No matter whether you quit or are fired you are entitled to the coverage for 18 months. The kicker is that you have to pay the entire premium amount, the amount you have been paying yourself plus the amount your employer has been paying. It isn't cheap but it has real advantages: one, it gives you some breathing room while you search for a new job and some new employers require a waiting period before their coverage kicks in; it eliminates the break in coverage and some insurers require that seamless coverage (they can deny coverage if you have been uninsured for a period of time). Regardless of the cost, take the insurance because no one can afford to be uninsured in this day and age. One "event" could wipe you out financially. Good luck in your move and job search.
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Old 08-14-2006, 09:34 AM
 
Location: Portsmouth, NH
32 posts, read 35,275 times
Reputation: 26
I would reccommend goint to the BCBS website and seeing if you can get a short term (6mos-1year) policy. COBRA is so freaking expensive, you just might find you can do it cheaper through BCBS..
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Old 08-14-2006, 10:45 AM
 
676 posts, read 2,797,271 times
Reputation: 771
Try looking into Blue Cross and Blue Shield of North Carolina. I found it to be less expensive than COBRA. There are some less expensive plans with less coverage, but it can at least get you through until you get a job.
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