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  1. #1
    Jaimie
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    Hi, my husband recently changed jobs and we had to take the Cobra

    insurance for 3 months until his insurance at his new job takes

    effect...due to the fact that we both have pre-existing conditions and

    his new insurance at his new job could turn us down for that we found

    out.

    There cant be a lapse in insurance or the new ins. company can decline

    you and your family - no matter what. SO we are stuck with this Cobra

    insurance.

    We found that our prescription totals would be less then the premium

    but we have to have insurance to have us covered under a new job

    because of thep pre-existing conditions.

    Get this - our premium is $848.00 a month! But we have to have it or

    we may never be covered again if we have a lapse in insurance.

    Our next premium is due at the end of Dec. and it says it has to be

    paid in full...does anyone know if we can make payments to them or

    what else we can do...thats alot of money for us and will take over 2

    paychecks to just pay for the insurance.

    We only have to have it until Feb. 1st but it's killing us and our

    Christmas by paying it.

    Anything you know about Cobra would be great.



    We tried to sign up for a few things but PPA was not a insurance

    policy and we would lapse and risk losing insurance for us and our


    kids, and through the state we make $48.00 too much gross.

    If they would look at what we bring home in pay instead of gross wew

    would be under the limit by alot. So we are stuck with cobra.

    Thank you.










  2. #2
    Monique
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    No, you can't make payments. BUT, I'm pretty sure that federal law states that you can have a lapse of less than 63 days. Let me see if I can find the link. I've only sold a few health policies so I haven't kept up with the law.


    On Dec 17, 2007 12:50 AM, Jaimie <sosoft_2003@yahoo.com> wrote:







    Hi, my husband recently changed jobs and we had to take the Cobra

    insurance for 3 months until his insurance at his new job takes

    effect...due to the fact that we both have pre-existing conditions and

    his new insurance at his new job could turn us down for that we found

    out.

    There cant be a lapse in insurance or the new ins. company can decline

    you and your family - no matter what. SO we are stuck with this Cobra

    insurance.

    We found that our prescription totals would be less then the premium

    but we have to have insurance to have us covered under a new job

    because of thep pre-existing conditions.

    Get this - our premium is $848.00 a month! But we have to have it or

    we may never be covered again if we have a lapse in insurance.

    Our next premium is due at the end of Dec. and it says it has to be

    paid in full...does anyone know if we can make payments to them or

    what else we can do...thats alot of money for us and will take over 2

    paychecks to just pay for the insurance.

    We only have to have it until Feb. 1st but it&#39;s killing us and our

    Christmas by paying it.

    Anything you know about Cobra would be great.



    We tried to sign up for a few things but PPA was not a insurance

    policy and we would lapse and risk losing insurance for us and our

    kids, and through the state we make $48.00 too much gross.

    If they would look at what we bring home in pay instead of gross wew

    would be under the limit by alot. So we are stuck with cobra.

    Thank you.






    [/quote]

    --
    Monique




  3. #3
    herberkids3
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    Your cobra is cheap! When Nick switched jobs, we were immediatly

    insured 2 days later by his new job (his last day at the old place

    was Friday, and he started at the next job on Monday). We knew we

    wouldn't be getting the cobra, but I was totally unprepared for how

    much it would cost.



    For us, the cobra was almost $1200 a month for the basic medical

    insurance that we had through CMU. Then it was another $400 a month

    for perscription insurance, and $800 a month for the dental. When I

    read the $1200, I was shocked, but assumed it was for the entire

    deal. Then I turned the page. I was SOOO very glad I didn't have to

    do that- there is just NO WAY the average family can afford to d

    Cobra.



    As for making payments, call the company and see what they say. I

    don't think they allow it, though, because you already are making

    payments once a month, rather than one lump sum.



    You might be able to lower the benefits, though, within the terms

    you had through the work program. FOr instance, if there is Dental

    on it, and you don't need it, ask to cut that. If you have a co-pay

    for appointments, ask if raising the co-pay slightly will lower the

    amount at all.



    Just talk with a representative about how you can lower the overall

    price.





    --- In Budget101_@yahoogroups.com, "Jaimie" <sosoft_2003@...> wrote:

    >

    > Hi, my husband recently changed jobs and we had to take the Cobra

    > insurance for 3 months until his insurance at his new job takes

    > effect...due to the fact that we both have pre-existing conditions

    and

    > his new insurance at his new job could turn us down for that we

    found

    > out.

    > There cant be a lapse in insurance or the new ins. company can

    decline

    > you and your family - no matter what. SO we are stuck with this

    Cobra

    > insurance.

    > We found that our prescription totals would be less then the

    premium

    > but we have to have insurance to have us covered under a new job

    > because of thep pre-existing conditions.

    > Get this - our premium is $848.00 a month! But we have to have it

    or

    > we may never be covered again if we have a lapse in insurance.

    > Our next premium is due at the end of Dec. and it says it has to

    be

    > paid in full...does anyone know if we can make payments to them or

    > what else we can do...thats alot of money for us and will take

    over 2

    > paychecks to just pay for the insurance.

    > We only have to have it until Feb. 1st but it's killing us and our

    > Christmas by paying it.

    > Anything you know about Cobra would be great.

    >

    > We tried to sign up for a few things but PPA was not a insurance

    > policy and we would lapse and risk losing insurance for us and our

    > kids, and through the state we make $48.00 too much gross.

    > If they would look at what we bring home in pay instead of gross

    wew

    > would be under the limit by alot. So we are stuck with cobra.

    > Thank you.

    >










  4. #4
    Lori
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    COBRA is congressional act that guaranteesmost can continue the health insurancethey received through their former employer by paying their portion of the premium along withthe portion that you were already paying. Consequently the premiums are going to vary from employer to employer. You can opt for lesser coverage if that option is available to regular employees. You need to contact the HR department of your husband's former employer, they still administer the insurance program and can tell you all the options available to you. Lori.

    Jaimie <sosoft_2003@yahoo.com> wrote: Hi, my husband recently changed jobs and we had to take the Cobra
    insurance for 3 months until his insurance at his new job takes
    effect...due to the fact that we both have pre-existing conditions and
    his new insurance at his new job could turn us down for that we found
    out.
    There cant be a lapse in insurance or the new ins. company can decline
    you and your family - no matter what. SO we are stuck with this Cobra
    insurance.
    We found that our prescription totals would be less then the premium
    but we have to have insurance to have us covered under a new job
    because of thep pre-existing conditions.
    Get this - our premium is $848.00 a month! But we have to have it or
    we may never be covered again if we have a lapse in insurance.
    Our next premium is due at the end of Dec. and
    it says it has to be
    paid in full...does anyone know if we can make payments to them or
    what else we can do...thats alot of money for us and will take over 2
    paychecks to just pay for the insurance.
    We only have to have it until Feb. 1st but it's killing us and our
    Christmas by paying it.
    Anything you know about Cobra would be great.

    We tried to sign up for a few things but PPA was not a insurance
    policy and we would lapse and risk losing insurance for us and our
    kids, and through the state we make $48.00 too much gross.
    If they would look at what we bring home in pay instead of gross wew
    would be under the limit by alot. So we are stuck with cobra.
    Thank you.




    &#32;
    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  5. #5
    Dee Bleau
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    I used to work for an insurance company. Blue Cross and Blue Sheild. For COBRA policies you can NOT make paymnts they have to be paid in full and on time. Also as far as preexxisting you can not have even 1 day inbetween. And depending on th einsurance co the pre-exsiting may be up to 18 months. So basically anything that you are treated for with that diagnosis will NOT be covered. I now work in a Dr.'s office and the vsts cn range anywhere from $80.00-$200.00. and that does not included anything else that is done besides the office vsts.

    Monique <motherof1@gmail.com> wrote: No, you can't make payments. BUT, I'm pretty sure that federal law states that you can have a lapse of less than 63 days. Let me see if I can find the link. I've only sold a few health policies so I haven't kept up with the law.

    <DIV class="gmail_quote">On Dec 17, 2007 12:50 AM, Jaimie <sosoft_2003@yahoo.com> wrote:
    <BLOCKQUOTE class="gmail_quote" style="BORDER-LEFT: rgb(204,204,204) 1px solid;"> <DIV style="BACKGROUND-COLOR: rgb(255,255,255);"> Hi, my husband recently changed jobs and we had to take the Cobra
    insurance for 3 months until his insurance at his new job takes
    effect...due to the fact that we both have pre-existing conditions and
    his new insurance at his new
    job could turn us down for that we found
    out.
    There cant be a lapse in insurance or the new ins. company can decline
    you and your family - no matter what. SO we are stuck with this Cobra
    insurance.
    We found that our prescription totals would be less then the premium
    but we have to have insurance to have us covered under a new job
    because of thep pre-existing conditions.
    Get this - our premium is $848.00 a month! But we have to have it or
    we may never be covered again if we have a lapse in insurance.
    Our next premium is due at the end of Dec. and it says it has to be
    paid in full...does anyone know if we can make payments to them or
    what else we can do...thats alot of money for us and will take over 2
    paychecks to just pay for the insurance.
    We only have to have it until Feb. 1st but it's killing us and our
    Christmas by paying it.
    Anything you know about Cobra would be great.

    We tried to sign up for a few
    things but PPA was not a insurance
    policy and we would lapse and risk losing insurance for us and our
    kids, and through the state we make $48.00 too much gross.
    If they would look at what we bring home in pay instead of gross wew
    would be under the limit by alot. So we are stuck with cobra.
    Thank you.

    white;" width="1">
    <BR clear="all">
    --
    Monique



    <FONT face="comic sans ms" color="#ff0000" size="3">Dee <FONT face="Comic Sans MS" color="#ff0000" size="3">Mary Kay Consultant @ <FONT face="Comic Sans MS" color="#ff0000" size="3">Mom to Kyle 08/11/91 <FONT face="Comic Sans MS" color="#ff0000" size="3">Mom to Stephanie 03/25/97 <FONT face="Comic Sans MS" color="#ff0000" size="3">Wife to Jeff 09/28/02 <FONT color="#800080">http://christmasbaby71.spaces.live.com/ <FONT color="#800080">Check out My New Blog SIte!!!


  6. #6
    sadie198730448
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!



    Even if you are paying COBRA insurance, the new insurance cannot claim

    pre-exsiting conditions. In GA there is a law which states if you have

    no break in coverage, then the new insurance company has to pick up the

    condition. Is there any chance the insurance with the new job is the

    same company? I have had coverage with the same major Insurance company

    for the past 8-9 yrs; but with different companies. They tried to pull

    the same stuff on me too. It did take several telephone calls but I

    finally made it up the ladder enough to talk with a supervisor and

    continued to remind them I was not changing insurance companies just

    jobs. I also followed it up with a letter. Even if it is not the same

    company they cannot consider it pre-existing d/t your having continous

    coverage without any breaks in coverage. I would contact the Insurance

    Commisioners office and discuss it with them. My DH is recievng

    Disabilty Social Security with Medicare A & B, has several health

    problems, and we have never been w/o insurance coverage. I had to pay

    COBRA a couple of times (at an ungodly price) but it was worth it in

    order to have medical coverage. Paying an accelerated fee for coverage

    is a less costly than paying for a catastrophic illness. Be firm and

    assertive with the insurance people. Get all your facts straight

    because knowledge is enpowering! Hope this helps.



    Sandra












  7. #7
    Jaimie
    Guest

    Default Cobra Insurance info needed or any help with this matter. Thank you!

    I want to thank everyone for the info on Cobra...I appreciate

    it...after a week of working on it, we have to have it at almost 900

    dollars a month but thats so be dont have a break/lapse in coverage.



    So when my husbands new insurance kicks in, they cant deny us for

    prexisting conditions.



    Thank you all again and Merry Christmas!








 

 

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