I will be moving to New Mexico and will need temporary health insurance between jobs, Any recommendations?

Question

I will be moving to New Mexico and will need temporary health insurance between jobs, Any recommendations?

Answer 1

Several of the comments already offered suggest that you consider COBRA, which is a program that allows you to continue your employer-sponsored health insurance for a short period of time, paying the full monthly premium yourself.   COBRA coverage can be expensive, but it may be worth considering, especially if you or one of your family members has an existing medical condition which might preclude them from obtaining an individually-purchased health insurance plan.

However, since you’re moving to a new state, even COBRA gets a little more complicated.  Most health insurance plans only provide the highest level of benefits within a circle of approved healthcare providers, which are generally located within a single state or metropolitan area.  So, even if you opted to continue your former employer’s coverage through COBRA, you might find that you are paying a very high monthly premium for a low level of coverage.  COBRA may still be worthwhile in your case, but that’s a factor to consider.

If COBRA is, in fact, an option for you, ask the HR representative at your former employer how it works.  And talk to a licensed health insurance agent as well, one who knows the market in New Mexico, so that you can familiarize yourself with the options available to you there.  You can find local agents through the phone book, or else you can talk to one of the licensed agents at eHealthInsurance.com, where I work.  Our toll-free number is 1-800-977-8860.  

If you’re fairly healthy and don’t want to pursue COBRA coverage – and if you know that you will have employer-sponsored coverage within another 6-12 months – you  may want to consider a short-term health insurance plan.  Short-term plans typically do not cover basic services like checkups or prescription drugs, but they can provide you with a valuable level of temporary protection in case of unexpected illness or injury.  To get quotes on short-term health insurance plans in New Mexico, talk to a licensed agent or visit eHealthInsurance.com online.

- Amir M, licensed agent

Answer 2

COBRA will allow you to temporarily keep your coverage. you'll have to pay the premium out of your own pocket.  I think  the average premium for a single person should be around $400 a month and maybe $800 for a family.  

You can find more information from the US department of labor, and you should check it right away as there is a time limit on taking advantage of this.

http://www.dol.gov/ebsa/faqs/faq_consume...

Answer 3

try this site bro...

may help you out

Answer 4

If anyone in your family has pre-existing health conditions that you'll need coverage for you'll want to keep COBRA if it is offered to you, at least for you and that family member. You can save money by taking anyone else off. COBRA will generally be offered if the group plan you were on has over 20 lives covered. The premium will be 102% of the amount that you AND your employer together are paying now. Here is the government website concerning COBRA: http://www.dol.gov/dol/topic/health-plan...

Otherwise, you can get a short term medical plan. There are several companies that have good plans for a reasonable premium. Short term plans are catastrophic plans and do not cover pre-existing conditions, nor do they have coverage for basic doctor visits before the deductible, but they will cover if something major happens.

You'll need to visit an agent licensed in New Mexico that works with all the major plans to find the best plan for you. There is no extra charge using an agent.

Answer 5

I just came across this website, you may find many useful information on health insurance quotes, hopefully may help you:

http://all-health-insurance-quotes.blogs...

Answer 6

I think "cobra" has something that will allow you to have health insurance that you can carry over from you current employer . I'm not exactly sure how it works . Try to google it and see .  I know it's more expensive than what you pay with any current job , but when you consider what it would cost to pay out for healthcare expenses WITHOUT any it's totally worth it .