Losing your healthcare coverage can instantly cause stress and feelings of anxiety to arise, especially if you have never lost insurance before or if you are new to the prospect of seeking out alternative healthcare providers. Knowing what to do if you suddenly lose your healthcare can help to alleviate the stress that is commonly associated with the process.
Regardless of whether you have lost your healthcare recently due to a loss of employment, relocating, or even a healthcare company going under, it is important to avoid panicking. Do not panic anytime you discover that you no longer have health insurance. Instead, it is imperative to step back and make a plan while considering all of the options you have available to you that are suitable and affordable with your current income or budget.
Research healthcare providers that are most useful to you based on the type of coverage you require as well as the monthly budget you have available to spend on your healthcare. Consider the type of healthcare coverage you require and the type of doctors or specialists you will need to see regularly before choosing a provider or insurance company that can deliver what you need. If you are unsure of when to seek out a new healthcare provider, consider aligning with their own marketing strategies and campaigns. Most healthcare providers focus their marketing around Q3, so you may need to do some digging.
Use Resources to Get Emergency Coverage
In some cases, you may be eligible for COBRA if you are currently a US citizen and have recently been let go by your employer. Additionally, there are also healthcare resources for those who are struggling with economic hardship, including both Medicare as well as Medicaid, depending on your current income level and the type of medical ailments or issues you require attention for personally. Spend time researching various programs that you may qualify for before submitting your application online or meeting with a caseworker to discuss your options in person.
While it can feel overwhelming and devastating to suddenly lose your healthcare and coverage, it is important to avoid panic and to make a plan as quickly as possible to remedy the situation. With an understanding of your insurance needs and various healthcare providers available near you, find the coverage you need for yourself and your household to resume a sense of normalcy in your life.