* required

*First & Last Name
*Gender	Select Male Female	*Smoker	Select No Yes
*Zip Code		State	Select ALASKA ALABAMA ARKANSAS ARIZONA CALIFORNIA COLORADO CONNECTICUT DISTRICT OF COLUMBIA DELAWARE FLORIDA GEORGIA HAWAII IOWA IDAHO ILLINOIS INDIANA KANSAS KENTUCKY LOUISIANA MASSACHUSETTS MARYLAND MAINE MICHIGAN MINNESOTA MISSOURI MISSISSIPPI MONTANA NORTH CAROLINA NORTH DAKOTA NEBRASKA NEW HAMPSHIRE NEW JERSEY NEW MEXICO NEVADA NEW YORK OHIO OKLAHOMA OREGON PENNSYLVANIA RHODE ISLAND SOUTH CAROLINA SOUTH DAKOTA TENNESSEE TEXAS UTAH VIRGINIA VERMONT WASHINGTON WISCONSIN WEST VIRGINIA WYOMING
*Phone   - -
You must provide accurate Area Code to generate quotes
*Email
We do not share your email and we do not SPAM
* DOB (mm/dd/yyyy) Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900
*Spouse Gender Select Male Female *Smoker   Select No Yes *DOB (mm/dd/yyyy) Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900
* Child Gender Select Male Female *Smoker   Select No Yes *DOB (mm/dd/yyyy) Month Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Year 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900

What you need to know before buying Health Insurance  

Is pregnancy a Pre-Existing condition? Maternity Insurance

Want to learn about health insurance? watch all videos

Health Insurance and pre-existing conditions

COBRA

Health insurance coverage for pre-existing conditions is one of the biggest worries people have when changing jobs. Thanks to The Consolidated Omnibus Budget Reconciliation Act (COBRA), people can rest assured that their health insurance coverage will continue for themselves and covered dependents.

The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events. Qualified individuals may be required to pay the entire health insurance premium for coverage up to 102 percent of the cost to the plan.
COBRA generally requires that group health plans sponsored by employers with 20 or more employees in the prior year offer employees and their families the opportunity for a temporary extension of health insurance coverage (called continuation coverage) in certain instances where coverage under the plan would otherwise end.
COBRA outlines how employees and family members may elect continuation coverage. It also requires employers and plans to provide notice.

The greatest benefit of COBRA; is not having to worry about pre-existing conditions. While going through the waiting period of the new employer, you continue to go the providers you've been going to. Usually you can keep the COBRA up to 18 months, although this is the normal time allowed, there are other qualifying events for longer coverage periods, such as divorce or death, these events allow up to 36 months of COBRA protection.
COBRA can be confusing to say the least, not all employer's have to offer it, not all employers notify you timely or correctly. If you have pre-existing conditions, if you're taking prescription medication, if one of your dependents has a pre-existing condition, selecting COBRA should be a decision you make quickly. Although you have 60 days to elect COBRA from the date you are notified, trust me, that amount of time will fly by! Some COBRA administrators, unless you activate your COBRA immediately, can make you pay quarterly for COBRA.

This can be such a financial strain that you may not be able to afford COBRA. Remember the employer was paying a portion of the premium for your health benefits, now you get a bill for the entire premium amount plus an additional 2% for administration. Yes I know, envelopes, stamps, and the amount of time it takes to lick a stamp, is very expensive. It's not unusual for a single premium in south Florida to average $250, that's correct add $5 to have it sent to you! With all the frustrations you have to deal with, not having a job, not having an income, and not knowing what to do, is there anyone you can turn to, too help with this crisis? Only a licensed professional agent at Oxonia Health Insurance Group can help you with making a decision. Because health insurance is a federal regulated industry, you can count on us to help you make the right decision. The majority of the time if you and/or your family have pre-existing conditions, we are going to recommend you taking the COBRA option. COBRA is the right answer if you have pre-existing conditions. The last thing you need to worry about is whether your condition will be covered by the new employer. If you go more than 62 days without continuous creditable coverage, you might have to start the new employer's health insurance plan subject to pre-existing limitations. Our agents will always do what is ethical for each situation. Oxonia agents will only recommend another type of product, only if you are no longer eligible for you COBRA policy. Then, if your pre-existing conditions are not serious enough to keep you from getting a major medical PPO plan, we will offer an Intelicare product, which most carriers consider as creditable coverage.

Once again, don't delay. Don't wait to the last minute, call us, and/or go on line to chat with our resident expert, Oxonia Insurance Group will help you with all your health insurance needs and concerns. Don't put yourself in a position that calls for desperate actions; give your self time and alternatives to select the best option for coverage. Don't let COBRA turn into a creature that can "bite" you in the pocket and cost you thousands of dollars for making a wrong decision!

• Sarah Lee: Health Care News
• Health Insurance after Losing Your Job
• Medical Discount Plans
• Long Term Health Insurance
• HSA, Retirement Medical Expenses
  
• How To Cut Your Health Care Expenses
• Trim Your Medical Expenses
  
• Individual Health Insurance; What To Look For
  
• Top 10 FAQs About HSAs
  
• Don't Let Health Care Costs Derail Your Retirement
  
• Tips to Reduce Out-of-Pocket Medical Costs
  

• Non US Citizen Insurance
• What are Major Medical Plans?
  
• Buying Individual Health Insurance
• Compare Health Insurance Quotes
• How To Choose A Doctor
  
• COBRA If You Loose Your Job
  
• HIPAA
  
• Health Care Flexible Spending Accounts
  
• Understanding Common Health Insurance Terms
  
• Don't Let Your Flexible Spending Account Go to Waste
  
• Long-Term Care Insurance
  

• Non Payment of Your Medical Bill
  
• Insurance Agents: Health Insurance Leads
• Health insurance and Pre-Existing Conditions
• Does Cheap Health Insurance exist?
• Rising Health Care Costs
  
• Health Care Information Websites
  
• Health Care Flexible Spending Accounts
  
• HSAs Offer Health Insurance
  
• Short-Term Health Insurance
• Hospital Billing Errors
  
• Personal Health Records Facilitate Quality Care