Health Insurance
- What are my health insurance choices?
- Are there any specialty health insurance policies?
- Should I participate in my employer's health insurance program?
- How do I pick a health plan?
- How can I determine the quality of the insurance plan I am looking at?
- If I change jobs or become unemployed, can I take my health insurance coverage with me?
- If my employer does not offer health insurance, can I buy an individual policy?
- How can I lower my health insurance costs?
- Can I deduct my health insurance premiums on my income tax return?
- Can I deduct the medical expenses that my insurance does not cover on my income tax return?
- Do I need to alert my insurance company if I am expecting a baby?
- Can I buy health insurance if I have a serious illneness such as AIDS or diabetes, or if I have a chronic condition such as high blood pressure or asthma?
- Deductible
- Family Coverage
- HIPPA (Health Insurance Portability and Accountability Act
- In-Network/Out-of-Network
- Managed Care
- Preexisting Condition
- Primary Care Physician
Get a health quote from Blue Cross Blue Shield of Texas
If I change jobs or become unemployed, can I take my health insurance coverage with me?
If you switch employers, you have the right to carry your group health insurance coverage with you to a new job for up to 18 months under the Consolidated Omnibus Budget Reconciliation Act (COBRA).
You must pay the full premium, but at group rates that are far cheaper than the individual rates you would pay for similar coverage. Health insurance under COBRA is available if you are in the following situations:
- You leave a company and become unemployed or self-employed for up to 18 months.
- You are a widow or widower or child of an employee who dies while working for the same company for three years or more.
- You are the divorced spouse or child of an employee who has left the company he or she was employed at for at least three years.
- You are the child of an employee who left a job and have not yet reached age 23.
NOTE: If you need COBRA benefits, you must fill out the appropriate forms from your employer's benefits department within 60 days of leaving your job. If you do not act within that time, you may be denied coverage.
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