How do I continue my Kaiser coverage if I leave my job?
You currently are a Kaiser Permanente member through your work, but for whatever reason you’re leaving your job, and you still want to have Kaiser health insurance coverage. In this case, you have 3 options:
- Private Health Plan: This tends to be the least expensive route. You can get free online health plan quotes in thirty seconds by filling out a simple online questionnaire. If you are in good health, this option is probably your best bet. Call 1-877-752-4737 for more information. If you have serious pre-existing health conditions, you may want to try options 2 or 3.
- COBRA Coverage: Contact your employer or call Member Services at 1-800-464-4000 to get on COBRA coverage. You should be able to keep the same plan you are currently on. You will pay more because the employer will no longer be contributing to your monthly premiums. You can be on COBRA for up to 18 months, 36 months in some cases.
- Conversion Plan: Your third option is to convert your group plan to private coverage with a Conversion Plan. Due to the fact that this does not require medical underwriting, it may be a more pricey way to go. Call Member Services at 1-800-464-4000 for more information on Conversion Plans.
Choosing a Private Health Plan is usually the most affordable way to go. However, if you currently have health conditions that might cause you to be denied coverage on a private plan, you may want to look into options 2 or 3.
Posted: September 29th, 2008 under Kaiser Permanente.
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