We are in between jobs and need health insurance for our 2 year old daughter. We need it for about 1 month, and it should cover the US and Canada (ideally also Europe).
What would you recommend?
If you're between jobs, can you get COBRA? That's the kind of thing its designed for.
I would honestly look into doing the State-funded CHIP program. You've been paying for it all along and you may as well use it if you need to.
Contact CHIP. Because you're not currently employed, the typical 6 month coverage gap requirement would not apply. You will be able to keep it for her even after you re-gain employment, and renew it in a yearly basis.
I would call them first rather than immediately applying through Compass online. The number to reach them is 1-800-986-KIDS. They can take your application information over the phone for fastest processing of your application.
They are online at http://www.chipcoverspakids.com/
I was also going to mention looking into CHIP. I don't know if it covers Canada and Europe. BTW, if you also need coverage you can ask about the adult CHIP plan.
Regarding COBRA, if you worked for a small company COBRA may not be available to you. My husband worked for 2 small companies and therefore we were not eligible for it (I actually think I remember reading that the regulations require a company to be of a certain size for COBRA to be an option). I'd look into it though to be sure.
Sorry abou the late response...Look into AFLAC...it might be the solution:)
Cobra is what you should get. As someone else mentioned-that is what it is designed for. Your old company is legally obligated to offer it to you.
