The world is in dire straits, and while the pandemic shows some of the best of humanity’s qualities — it also shows some of the worst. Our law firm has been flooded with inquiries relating to coronavirus and health insurance. Most of those who have questions have, for one reason or another, lost health coverage due to this crisis. Whether or not litigation is the right path forward depends on exactly what happened.
If you are currently employed and coverage was affected by the coronavirus outbreak, you might have a solid case. After all, coronavirus is the biggest reason we need good healthcare right now. It shouldn’t also be the reason we lack it. And insurance providers can’t just change the rules of the game when a new player enters. Talk to a personal injury attorney for more information.
Most workers who were laid off due to the coronavirus pandemic likely have no legal recourse. But they do have other options to put health coverage into place before it’s too late.
COBRA was built as a way to keep continuing coverage in place after a person loses his or her job, and most laid-off workers will have this option. The problem is that COBRA is almost always very expensive.
Another option is Medicaid. You might seek Medicaid if you are recently unemployed or if your hours have been much reduced. This is a good option, because coronavirus testing is provided at no additional cost. Copayments might depend on where you live.
The last option exists because of the Affordable Care Act (or ACA). You can sign up for Obamacare soon after losing a job to find coverage when other options aren’t for you. Some levels of coverage in the marketplace are low-quality for what you get, and even with subsidies, the coverage can still be quite expensive in relation to what you’re accustomed to paying.