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Some useful information about insurances, policies and programs:

If your household income is below the poverty level, Medicaid will pay your Medicare monthly premium and your Medicare deductibles and coinsurance. This is called the Qualified Medicare Beneficiary (QMB) program.

Conversion. Your right, when leaving a group health plan in U.S., to convert your policy to an individual health insurance. You must use up any COBRA or state continuation coverage before you can buy a conversion policy. Conversion policies must offer 4 coverage options. Since there are no limits on how much insurance companies can charge for conversion policies, they can be significantly more expensive than your group health plan.



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