Experient Health Addresses What to Do If Individuals Lose Health Insurance at Work in Blog Series

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Experient Health launched a Health Care Reform FAQs Blog series on its web site to help keep the community informed on changes they could face under the Affordable Care Act.

Experient Health has experienced professionals who help guide individuals through buying an Individual Health Insurance Plan.

Experient Health addressed what options individuals can explore if they lose their health insurance plans at work in its latest post in a new Blog series on Health Care Reform.

Under health care reform, according to Experient Health, individuals who lose their job-based health insurance have two primary options for health insurance coverage.

Individuals can get a marketplace plan.

“If you leave your job for any reason and lose your job-based coverage, you can choose to buy coverage from the marketplace,” according to Experient Health. “This is true even if you leave your job outside the marketplace open enrollment period of Oct. 1, 2013 to March 31, 2014.”

By using the marketplace, “You’ll learn whether you qualify for lower costs on your monthly premiums on private insurance or for lower out-of-pocket costs. Through the marketplace, you’ll also learn whether you qualify for free or low-cost coverage from Medicaid or the Children’s Health Insurance Program (CHIP).”

The marketplace, according to HealthCare.gov, is “a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.”

Application for the marketplace can occur online, by mail or in person with the help of a navigator.

“While all insurance plans are offered by private companies, the marketplace is run by either your state or the federal government,” according to HealthCare.gov. “Open enrollment starts October 1, 2013.”

Experient Health offers a private insurance marketplace.

Individuals can also get COBRA coverage.

“You may be able to keep your job-based plan through COBRA continuation coverage,” according to Experient Health. “COBRA is a federal law that may let you pay to keep yourself and your family on your employee health insurance for a limited time, usually 18 months, after your employment ends or you otherwise lose coverage.”

Have additional questions? Visit http://www.experienthealth.com to request a private consultation.

About Experient Health:

For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580.

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Stephanie Heinatz
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