“Backing Into Insurance” After A Lapse In Coverage

Have you (or a client) had a lapse in coverage with health insurance?  If so, you are probably aware of how difficult and expensive it can be to resume coverage.  My colleague, Cheri Hoffer, is a business owner and freelance writer in Boulder, Colorado who has recently shared her own story of resuming insurance coverage.  In her words, it’s “backing into insurance.”

Cheri credits her insurance agent, Neal Muhlberg at Integra Health Insurance, for making the suggestion to obtain a temporary and comprehensive health insurance policy that is typically used for individuals who are between jobs.

Cheri says . . .  “In a few weeks, when I’ve had it [the policy] for two months, we make the application for ‘permanent’ coverage. ”  At that point, she will be considered “continuously covered” which would then allow her to purchase a new policy at preferred rates.

If you (or your clients) are searching for a cost-effective strategy to ease the transition back into health insurance coverage, this may be just the way to do it!

Thanks, Cheri, for sharing your experience with us!

You may reach Cheri Hoffer through her website for Canine Campovers.