Orange County, CA – In today’s economy many people are finding themselves on the unemployment line, the future bleak with barely any employment prospects on the near horizon. Although their job searches are thorough, the hunt can be taxing and many have found themselves turning to alcohol and drugs for some type of solace and comfort.
With the cost of healthcare insurance premiums steadily increasing, some estimating it to be six to seven percent per year, families are finding themselves in the spot of deciding to choose either to pay their health insurance premium or put food on the table. Many opt for the food. COBRA (Consolidated Omnibus Budget Reconstruction Act) ensures a worker’s right of continued health insurance if they lose their job through no fault of their own. In order to receive COBRA the person must have worked for a company that provided them health insurance already. However, the premiums can be incredibly high because the person is no longer on the company’s group plan.
“COBRA is a great plan, although a bit more expensive,” states Phil Allen, CEO of the Pat Moore Foundation in Costa Mesa, CA. “Some of the plans allow participants and beneficiaries to convert their plans to an individual policy. If a client comes to us with this type of plan we give them same type of care we would anyone else.”
The COBRA plans primarily last a total of eighteen months. Certain qualifying events, or a second qualifying event during the initial period of coverage, may permit a beneficiary to receive a maximum of thirty six months of coverage. Without an insurance plan, however, an addict needing help will most likely find it nearly impossible to afford the drug detox care they need.
For more information on drug detox methods the Pat Moore Foundation can be reached twenty-four hours-a-day at 1 (888) 426-6086, or they can be contacted at http://www.patmoorefoundation.com.
