Specialty Policies

There are several specialty health insurance policies available to certain groups that you may not be aware of. The following are the typical specialty health insurance programs available:

COBRA

COBRA or Consolidated Omnibus Budget Reconciliation Act was passed by Congress in 1986. In it there is a provision which states that, if you are suddenly terminated or separated from your job, you have the right to continue your employer’s group health coverage. Anyone, who involuntarily or voluntarily loses their job or has their hours drastically reduced is eligible for COBRA.

Critical Illness Health Insurance

Critical illness health insurance provides payments if you suddenly fall ill to a disease or illness that is covered under your policy’s contract.

College Student Health Insurance

College student health insurance is designed to protect students from the unexpected and at a mere fraction of the cost than if they were unprotected.

Medigap Health Insurance

Medigap health insurance is sold by private insurers to help fill any gaps found in Original Medicare policies. If you have an Original Medicare Plan and a Medigap health insurance, each will pay their share of your healthcare costs.