Are You Faced With COBRA Insurance as Your Only Health Plan in Texas?

Discount health care is on everyone’s mind lately. From finding participating providers to exorbitant insurance premium rates, it is tough to beat a good health care plan at work. Group plans are often a great source of health insurance coverage when you are working full-time, but with the unemployment rate climbing and businesses outsourcing and downsizing, full-time employees are finding themselves unemployed or working fewer hours every day. What if you are the next one to lose your health care insurance? Is COBRA a viable alternative? American Health Benefits wants you to understand just what COBRA coverage is and whether or not it’s an affordable medical option for your family.

•    What is COBRA health coverage? COBRA was created by Congress in 1986 to provide ongoing group health care coverage to people who are facing the loss of their benefits due to a reduction in work hours or ending of employment. If you work and are entitled to group health care insurance coverage and you end your job or your hours are cut to below benefit status, you are entitled to COBRA Continuation Health Coverage.


•    Who is qualified for COBRA health benefits? If you work for a company with 20 or more employees on more than half of its typical business days in a year, your company is included under COBRA requirements. You can be covered under COBRA benefits if you are an employee who was covered by an employer-provided group health plan, or a spouse or dependant child of a qualified employee. Some independent contractors, directors and agents participate in group health plans that can qualify for COBRA benefits as well.


•    Is COBRA Continuation Health coverage affordable? While the intent and theory of COBRA is good, the health plan is not easily affordable for most people. Because your employer is no longer paying a portion of the premium, you are responsible for the entire premium amount. For many people, having your premium increased by as much as 50% or even 75% at the same time as your income is decreasing or even ending is just too big of a stretch to make.

Thousands of people pay out thousands of dollars to COBRA because they believe they have no other choice. American Health Benefits wants you to know that you do have an affordable health plan alternative to COBRA premiums.

American Health Benefits is not health insurance. Instead, it is a low cost health plan that saves you money every time you see the doctor, go to the dentist or have a prescription filled. With your membership to American Health Benefits, you can also enjoy discount vision plans, chiropractic care, and even hospital stays. You have access to over 358,000 providers across the country and you can save from 20% to 45% on medical services that you and your family need. American Health Benefits has been helping Texas take advantage of low cost family health plans for over 15 years and they are waiting to help your family too.

If you have been struggling with the high cost of COBRA health coverage, you need to call American Health Benefits today. Call 1-866-484-1991 or visit www.americanhealthbenefits.com to find out more about this affordable health plan alternative to COBRA, and start saving money now.