There a phase going around called “coronavirus exile” this means you are spending the coronavirus shut-down period away from where you normally live.
Corona virus include young adults who were forced to live with their parents again, families who fled congested urban environments for a vacation home and people who chose to quarantine with older relatives who might need help.
It’s one thing to care of your bills and work remotely but it can be challenging if you get sick and need medical care away from your home.
So, what happens if you are living outside your health plan coverage area. What are your options if you need medical attention? Here are some tips:
Know how your coverage works before you need it. Call your health insurance company now and ask if any network providers are in your current area and whether you have coverage for out of network doctors. Understand your out of pocket cost. Typically, emergency medical care and care related to COVID-19 is covered.
Take advantage of telemedicine benefits. Telemedicine allows you to see a doctor through online video conference, regardless of your location.
If you are laid off and lost your health insurance, check your options. COBRA coverage may be an option for you but it’s expensive. You have a 60-day window from when you lost your job to enroll in health plan of your own and apply for government subsidies to make it affordable. Medicaid could also be an option. Speak with Cosmo representative, we can help you go through all your options and find a health insurance plan that’s best for you and your family.
Before packing your bags, take a moment to understand your insurance benefits or call Cosmo at 732-363-3888 we can go over your benefits with you so aren’t left scratching your head in the event you need medical attention while on the road.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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