Health Insurance Coverage During COVID-19

If you’re an individual who currently lost your health insurance due to the loss of your job, there are options available to you. Depending on the size of the company you work for, there’s Cobra, Illinois Continuation Coverage, Marketplace, Short-Term insurance options, and more.

Is a furlough the same as a layoff?

In general, furloughed workers are still technically employees and they retain their employment rights and generally their benefits. Laid-off workers are no longer employees and lose their benefits and protections.

What is a Furlough?

With the current worldwide pandemic of COVID-19, lots of individuals are concerned about their health insurance coverage. What happens if I lose my health insurance?

A furlough reduces hours, days, or weeks employees may work and usually has a finite length. Businesses can furlough employees for specified amounts of time and set the conditions of the furlough. 

What is a Layoff?

A layoff can be temporary or permanent, with employees frequently uncertain whether or not they will be returning to work. 

What are the options in divorce cases when the payer of the maintenance is laid-off? 

There are options available to the person who is supposed to receive the maintenance coverage for health insurance payments. Each case is different, but there are options available to help during this time.

What if I don’t have health insurance?

Many individuals are worried about what happens if they catch the virus and need medical attention. There are catastrophic plans available for people who don’t have health insurance now and are healthy.

What will my insurance company cover if I get diagnosed with COVID-19?

The insurance companies are waiving member cost-sharing, including deductibles, copayments, and coinsurance, related to a diagnosed treatment for COVID-19, except for the prescription drug coverage. The waiver applies to costs associated with COVID-19 treatment at in-network facilities and treatment for out-of-network emergencies. It’s best to check with your insurance carrier to see what they cover for your specific plan policy.

Telemedicine is also a great option to utilize during these times to speak with clinical experts on symptoms you may be having.

Detecting symptoms of COVID-19 is an important key in this pandemic.

Here are some of the new guidelines on symptoms you may be experiencing:

  • Fever temperature of over 100 degrees
  • Cough
  • Congestion
  • Sore Throat
  • Shortness of breath
  • Flu like body aches
  • Loss or decrease in sense of smell
  • Loss or decrease in sense of taste

As always, consult a medical expert on symptoms you or a family member may be having.

We are all in this together to work through this difficult time in our lives.

I am happy to help in any way I can. I can be reached at or text me at 708-426-3680 to set up a free consultation.

Stay safe and healthy!

Anna Minkina

Healthcare Benefits Consultant

We are here to assist you

We are aware that everyone has been affected by the recent response to COVID-19 but we hope that you find some comfort in knowing that we are still operational and here to assist you.

Whether you are a current client or if you are looking for family law or estate planning assistance, our team is here for you and will continue to be available to address your concerns.

To the extent possible, we will offer remote consultations and provide services from a distance.

You may message us here, email our office at, or call 815-600-8950 and one of our team members will be able to assist you.

This is a legal advertisement from Sterk Family Law Group. It does not constitute legal advice and should not be construed as such. This article is for informational and educational purposes only.


This is a legal advertisement from Sterk Family Law Group. It does not constitute legal advice and should not be construed as such. This article is for informational and educational purposes only.

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