When should you get your annual flu shot? AARP has advice for you.
by AARP Education & Outreach, AARP, September 10, 2009
Peter is 53 years old and recently divorced. While trying to cope with all the changes in his life, he finds out he can no longer can get health insurance through his former wife's job.
After many telephone calls and spending a lot of time and energy, Peter learns that buying health insurance on his own will cost $400 a month. That's way over his budget. Peter is thinking about not getting health insurance at all because it's just too expensive. Does Peter's situation sound like yours? Are there other options?
Yes. There are a number of health insurance options you can explore, so that you and your family can still get the health care coverage you need. Health insurance also protects you from spending all your money to pay for a serious medical problem.
Most people under 65 get health insurance through their or their spouse's job. (Most people 65 and older get their primary health insurance from Medicare.) This is called group health insurance. Your employer might offer you a choice of health insurance plans. In many work places, your employer pays most of the premium (monthly payment) and you pay the rest. Some organizations also offer group health insurance to their members.
Group health insurance costs less than individual health insurance (insurance you buy on your own for you and your family) and might offer better benefits. For these reasons, you want to keep your group health insurance for as long as you can. Even if you go through changes in your work or family life, there may be ways for you to hold on to your group health insurance plan.
Each year, many adults under 65 lose their health insurance coverage for any number of reasons:
If you are faced with losing your health insurance, here are steps you can take:
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