- December 17, 2007 at 5:50 am #254833
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.
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
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
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.
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