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Geez I feel bad for these pregnant women. I don't know the status of public healthcare in the US but really hope there's a system not attached to their employm

Geez I feel bad for these pregnant women. I don't know the status of public healthcare in the US but really hope there's a system not attached to their employment

shiftpgdn 4y ago
If you’re laid off you can get COBRA coverage which will keep you on your employers plan for up to six months. You have to cover the entire premium out of pocket though, and for a family of four that’s typically 2-3k/mo.
- somehnguy 4y ago
  COBRA is OK in theory, but as you mentioned it is prohibitively expensive. During the gap between my last employer and current I opted to just take my chances for the month because the cost for even a single person was outrageous. I think that you can retroactively apply it if you do end up needing the insurance, but you'll be on the hook for the cost of the entire time period until you elected it. I could be wrong though, every person I talked to told me different things and it's extremely confusing to navigate. It's a pretty terrible system all in all, IMO.
  - Volundr 4y ago
    You have 60 days from termination to opt in and it applies retroactively, which is nice for changing jobs. You can have a couple months gap between the old insurance ending and your new stuff picking up and if something happens just opt in. Rougher if you don't already have that next job lined up though.
- lokar 4y ago
  In CA it’s 2 years, but few could afford it while employed let alone out of work
mingus88 4y ago
It's called COBRA and it's basically a system that allows you to keep paying for your insurance for a limited time after you lose your employment. https://www.dol.gov/general/topic/health-plans/cobra https://www.dol.gov/general/topic/health-plans/cobra So, it's not really public healthcare at all, but as close to a literal safety net as you'll see here. The individual still needs to find a way to pay for it with no income.
shagie 4y ago
Aside from COBRA, a life changing event (such as losing your job) allows you to get insurance through healthcare.gov outside of the open enrollment period.
slaw 4y ago
If you are pregnant and low income, insurance and healthcare is free. I guess jobless would be low income. Every state has similar program, for example WA https://www.hca.wa.gov/free-or-low-cost-health-care/i-need-medical-dental-or-vision-care/pregnant-individuals https://www.hca.wa.gov/free-or-low-cost-health-care/i-need-m...

Geez I feel bad for these pregnant women. I don't know the status of public healthcare in the US but really hope there's a system not attached to their employment

shiftpgdn 4y ago

If you’re laid off you can get COBRA coverage which will keep you on your employers plan for up to six months. You have to cover the entire premium out of pocket though, and for a family of four that’s typically 2-3k/mo.

somehnguy 4y ago
COBRA is OK in theory, but as you mentioned it is prohibitively expensive. During the gap between my last employer and current I opted to just take my chances for the month because the cost for even a single person was outrageous. I think that you can retroactively apply it if you do end up needing the insurance, but you'll be on the hook for the cost of the entire time period until you elected it. I could be wrong though, every person I talked to told me different things and it's extremely confusing to navigate. It's a pretty terrible system all in all, IMO.
- Volundr 4y ago
  You have 60 days from termination to opt in and it applies retroactively, which is nice for changing jobs. You can have a couple months gap between the old insurance ending and your new stuff picking up and if something happens just opt in. Rougher if you don't already have that next job lined up though.
lokar 4y ago
In CA it’s 2 years, but few could afford it while employed let alone out of work

mingus88 4y ago

It's called COBRA and it's basically a system that allows you to keep paying for your insurance for a limited time after you lose your employment. https://www.dol.gov/general/topic/health-plans/cobra https://www.dol.gov/general/topic/health-plans/cobra So, it's not really public healthcare at all, but as close to a literal safety net as you'll see here. The individual still needs to find a way to pay for it with no income.

shagie 4y ago

Aside from COBRA, a life changing event (such as losing your job) allows you to get insurance through healthcare.gov outside of the open enrollment period.

slaw 4y ago

If you are pregnant and low income, insurance and healthcare is free. I guess jobless would be low income. Every state has similar program, for example WA https://www.hca.wa.gov/free-or-low-cost-health-care/i-need-medical-dental-or-vision-care/pregnant-individuals https://www.hca.wa.gov/free-or-low-cost-health-care/i-need-m...