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Old 02-07-2009, 03:00 PM
 
Location: Tennessee/Michigan
28,959 posts, read 49,620,408 times
Reputation: 20981

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Michiganders who lose jobs often can't afford to buy temporary policies that extend workplace health benefits because the cost eats up nearly all of their monthly unemployment checks, a report released Friday concludes.

Many jobless forgo extending health benefits | Freep.com | Detroit Free Press (http://www.freep.com/article/20090207/BUSINESS06/902070338/1019/Many+jobless+forgo+extending+health+benefits - broken link)
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Old 02-07-2009, 03:54 PM
 
369 posts, read 402,173 times
Reputation: 185
Quote:
Originally Posted by John1960 View Post
Michiganders who lose jobs often can't afford to buy temporary policies that extend workplace health benefits because the cost eats up nearly all of their monthly unemployment checks, a report released Friday concludes.

Many jobless forgo extending health benefits | Freep.com | Detroit Free Press (http://www.freep.com/article/20090207/BUSINESS06/902070338/1019/Many+jobless+forgo+extending+health+benefits - broken link)

Lol I havent had health benefits since 2006
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Old 02-12-2009, 06:36 PM
 
370 posts, read 949,610 times
Reputation: 674
When I was between jobs they sent me the cobra thing and it would have been 700$ per month so I had no choice but to NOT have health insurance until the new insurance kicked in. There is no way I could afford that.
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Old 02-12-2009, 07:23 PM
 
5,656 posts, read 17,837,138 times
Reputation: 4011
yeah - with this many layoffs - it is a looming crisis. And I have a feeling a permanent crisis as most corps now are going to try and minimize their permanent employee base and only do contracts and temporaries so they don't have to keep them on the books or pay benefits. SERIOUS nationwide issues with healthcare ahead!!
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Old 02-13-2009, 08:56 AM
 
Location: NoVa
2,237 posts, read 3,095,862 times
Reputation: 3224
That COBRA thing is highway robbery. It would've cost me close to $1000 a month just to cover myself and my husband. Who has that kind of money when one is out of work anyway?

I found out that you can negotiate your fee when you go to a doctor & tell her/him up front you don't have insurance. I also just found out yesterday that you can go to a federally funded health center if you're sick and don't have money to pay for the costs. Check this out:

HRSA - Find a Health Center - Search by Address, City, ZIP, or State
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Old 02-13-2009, 09:40 AM
 
Location: Durham, NC
1,049 posts, read 3,525,006 times
Reputation: 732
I anticipate that it's different per doctor, but yeah... when I got laid off in Michigan, I told the secretary/admin that I had lost my insurance. They didn't charge me a cent and even gave me extras (i.e. a B12 shot) at no expense. People can be kind
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Old 02-13-2009, 09:45 AM
 
6,764 posts, read 20,403,368 times
Reputation: 4704
I have been on and off w/out benefits for years. When I worked as a preschool teacher I could not afford to make $6.50 an hour plus fork money to medical. My husband's job is now at a hospital so we have good medical but I still don't abuse it.

Common sense goes far in keeping healthy. Put out the cigarette, skip the alcohol and exercise.

And before I hear it...I don't smoke or drink or do drugs and YES I exercise 6 times a week.

The sad part is our country pump so much $$$ into countries around the world and many of our citizens do not have medical. Charity should begin at home.
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Old 02-13-2009, 09:56 AM
 
Location: Fort Worth/Dallas
11,878 posts, read 34,389,198 times
Reputation: 5592
Cobra is a joke. It's useless unless you have tons of money socked away. "IF" I were receiving unemployment, it would take almost half of that to keep insurance. It's a no-brainer; you have to take your chances and go it alone.
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Old 02-13-2009, 12:56 PM
 
Location: Stuck in NE GA right now
4,585 posts, read 11,336,818 times
Reputation: 6631
I'm in the unemployed and uninsured boat...not enough $$$ to pay for the rip off Cobra and due to my age and pre-existing conditions I can't qualify for any other insurance.
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Old 02-13-2009, 01:04 PM
 
6,354 posts, read 7,224,284 times
Reputation: 3245
Quote:
Originally Posted by ReturningWest View Post
I'm in the unemployed and uninsured boat...not enough $$$ to pay for the rip off Cobra and due to my age and pre-existing conditions I can't qualify for any other insurance.
The pre-existing condition clause is a crime. If I was to lose my job my Cobra would cost me $2000 per-month. My wife is disabled and with her condition there can never be a lapse in coverage otherwise we stand to lose everything.
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