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If you have just turn out to be unemployed and dropped your employer-sponsored group health insurance coverage strategy, 1 way for you to obtain cost-effective health insurance policies in Pennsylvania is to acquire a conversion strategy.

Conversion coverage is an personal well being insurance coverage that will come from the exact same business that provided group wellness insurance policies to your employer and his or her employees. If you acquired employer-sponsored team wellness insurance for no much less than 3 months, you are qualified for conversion well being coverage. When you obtain a conversion wellness insurance policies program in Pennsylvania, you have to shell out the rates that your employer may have as soon as paid out for you underneath your employer-sponsored team health insurance policy plan nonetheless, you can't be denied owing to any health care conditions.

Inexpensive health insurance policy in Pennsylvania in the kind of conversion insurance policy addresses not only you, but any person else who was formerly coated below your employer-sponsored group wellness insurance program. This contains your husband or wife - even if the two if you are divorced - and your youngsters. As prolonged as the particular person is your dependent, and previously protected with your overall health insurance policy plan, he or she can also be lined beneath your conversion protection plan. You will get facts info at Regional brands.

You are not qualified for conversion wellness coverage if you are already getting, or are suitable to receive, well being insurance coverage offering related protection from one more team health insurance policy program, or wellness care plans this sort of as Medicare. In most situations, you have to also use up the Federal COBRA overall health treatment coverage if you qualify for it.

When you turn out to be unemployed, you must be notified of your overall health insurance policies rights underneath conversion overall health insurance ideas. After you are notified, you have 31 days to utilize for conversion protection. If you have not been notified of your health insurance coverage rights underneath conversion wellness insurance policies programs, speak to your employer, the well being insurance policies firm from which your employer acquired the employer-sponsored group health insurance policy plan, or the Insurance coverage Division of the Commonwealth of Pennsylvania.
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