Question:

I have Medica medical insurance with my employer and he stopped it, can I pay for the insurance myself?

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My medical insurance was stopped during an approved medical leave,

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4 ANSWERS


  1. contact the insurance company


  2. Of course you may but, depending upon what State you live in will depend upon how much you will pay.  Say you live in NJ, forget it individual policies in that State are simply unafordable.  In my home State of TN, you could likely get a decent price policy depending on your age and health history.

  3. No. There is no policy to continue.  

    However, you can probably change to a HIPAA plan, if you apply immediately.  You have 63 days to get the new plan without Pre-Ex or medical questions.  

    If you have no medical conditions, you can apply for coverage individually, and it will be much more affordable.

  4. Possibly-if you are no longer employed by him and the group is larger than 20 employees, you have to be offered COBRA.

    On the other hand, if you are still employed by him and he simply stopped offering the insurance to all employees, then COBRA is not an option and you must purchase your own insurance or find another employer that offers it.

    Edit:When your employer terminated your coverage, you should have been notified and offered COBRA. They have 14 days after termination to notify you and you have 60 days to accept or decline coverage.

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