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Health Insurance Options After Job Loss

On Monday, July 31, 2017 the lives of more than 5,000 South Carolinians were changed during lunch. Thankfully we have seen areas of our community come together to try and assist those formerly working at the VC Summers site.

We know that those impacted will have many questions in the days that follow. The library’s two social workers are standing by to assist with local resources including information about health insurance. Come talk to us. We’d love to help.

Things to Remember about Health Insurance:

  • Even though open enrollment for 2018 doesn’t start until November 1, 2017 those who have lost health insurance during the middle of the year may be eligible for a Special Enrollment Period. This means that you can enroll in a health insurance plan up to 60 days after your loss of coverage.
  • Health insurance through the Marketplace may be less expensive than COBRA. However, if you have already elected a COBRA plan you are ineligible to view your Marketplace options. Only those who have not elected to continue through COBRA are eligible for the Marketplace. If you do not see a plan that meets your needs in the Marketplace you can then choose to keep your COBRA coverage or look into other options.
  • You may be asked to provide proof that you lost insurance through your job. That information will need to be provided before your new plan will start.
  • Medicaid open enrollment is year-round. You can enroll yourself, or your children in a Medicaid plan at any time throughout the year.
  • Healthcare.gov has some more information on what happens if you lose job-based health insurance. We will even hand-deliver your Medicaid application.
  • Richland Library has several Certified Navigators who can assist with this process – whether you want to apply for Medicaid or insurance in the Marketplace. As always, our services are completely free of charge. There are several ways to make an appointment. You can click here, here, or just call 1-888-998-4646 to find a Navigator near you.
  • What else can you help me with?

  • We can help you apply for SNAP (or food stamps) as well as point you to area resources where you may be able to get food.
  • Direct you to local resources that may be able to help with rent or utility payments.
  • Direct you to local clinics that accept individuals with no health insurance.
  • Help make introductions to the wonderful Certified Career Coaches in our Business, Careers and Research Center.
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