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COBRA letter from a company I don't recognize

I received a COBRA notice from a company I don't recognize. It seems to be administered through Ceridian. What might be going on? [more inside]
posted by driedmango on Aug 3, 2014 - 13 answers

Baby on it's way/health insurance problem

My pregnant wife and I are leaving our job at the end of the summer (not our choice) with no new job lined up. We will need to get our own health insurance when we leave the job. We don't really live anywhere now, and we aren't sure where we will have the baby yet, maybe NH, or NY, or RI, or ME, or the VI. Is there an insurance plan that offers us coverage in multiple places? PPO, HMO, walk me through this. This is our first time buying insurance. [more inside]
posted by karst on Jul 9, 2014 - 6 answers

Tricky COBRA question: COBRA and new group plan simultaneously?

I'm trying to help someone be in the best position with healthcare benefits. It sounds like they may be able to be covered by both their COBRA continuation plan *and* a new group plan through a spouse's employer. There's some tricky wording in the COBRA rules. Is this possible? [more inside]
posted by reeddavid on Sep 27, 2013 - 6 answers

Individual health insurance when moving states

I am recently unemployed (as of Sept 1st) and will be moving from Texas at California in late October. Please help me figure out what I need to do for health insurance. [more inside]
posted by Durin's Bane on Sep 23, 2013 - 8 answers

Health Insurance thru Freelancer's Union

Does anyone have any experience with purchasing health insurance through the Freelancer's Union? Any feedback on the process and level of satisfaction with coverage would be appreciated. [more inside]
posted by spicynuts on Sep 3, 2013 - 13 answers

Should I take this job?

After interviewing for a full-time position, I was offered the job as a contract-to-hire. Should I take it? [more inside]
posted by zooropa on Aug 23, 2013 - 29 answers

It's like winning the lottery... almost.

My partner and I have just been offered a large amount of money to leave our NYC apartment. Our plan is to pull up stakes and move to my home state. We have to make a decision by tomorrow. However, I've also just had a hinky breast mammogram/sonogram and am scheduled for a biopsy next week. Am I making a major mistake in quitting my job, going on COBRA, and moving cross country when I've got a potential health issue on the line? [more inside]
posted by fuzzywuzzysock on May 9, 2013 - 47 answers

COBRA coverage for someone who has already died

What do I do when a person is eligible for COBRA insurance but has passed away before getting papers and signing up? [more inside]
posted by meowzilla on Dec 8, 2012 - 4 answers

COBRA, no Starship

How precisely do we handle payments for medical appointments until COBRA kicks in? And is there anything new I should know about COBRA post-Obamacare? [more inside]
posted by Stacey on Aug 22, 2012 - 7 answers

To COBRA or not to COBRA

I've recently changed employers. My insurance from the previous employer terminated on 5/31. My new insurance starts on 6/23. I can get COBRA for the interim if need be. The question is, do I need it? There is a grace period, such that I don't have to decide until after 6/23, at which time, if I didn't need it during the period, I could save myself about $500. However, there is the concern of the 'pre-existing' condition, ie that period where I would not have insurance can somehow cause me to have 'pre-existing' conditions, whether indefinitely or for some period of time after 6/23 I don't know. The new insurance is Presbyterian Health. Can anyone advise?
posted by falsedmitri on Jun 4, 2012 - 10 answers

Should I ditch COBRA and switch to an individual plan?

Health insurance question: I got laid off from a small company a few months ago, and have been paying over $400 monthly for COBRA. This eats up a ton of my unemployment money. I'm wondering if I should switch to an individual plan. [more inside]
posted by emily37 on May 16, 2012 - 19 answers

Another health insurance question...

Another health-insurance question - how to deal with an unexpected loss of coverage for my GF. Which of our options is best? [more inside]
posted by FreelanceBureaucrat on Mar 31, 2012 - 17 answers

Who Do I Write My COBRA Check To?

COBRAfilter: Do I make the check for the plan payment out to the health insurance company, or to my former employer? The info packet former employer gave me is woefully shoddily written and leaves out key details like that. I've never enrolled in COBRA before, so not sure what to do. Check is due by Thursday. HR at former company notoriously difficult to actually track down via email or phone to get an answer.
posted by thereemix on Feb 27, 2012 - 17 answers

co-co-co-COBRA!

Please help me understand COBRA and my family's options after it runs out. [more inside]
posted by meggan on Feb 13, 2012 - 6 answers

COBRA for weekend coverage?

Insurance coverage from previous job ended on Friday without COBRA. Insurance from new job starts retroactively on the following Monday. I have pre-existing health issues. How do we know if we need COBRA or not? [more inside]
posted by anonymous on Nov 4, 2011 - 5 answers

Curl up and die or get COBRA?

Do I retire and just quietly die? Or can I get health insurance? [more inside]
posted by anonymous on Aug 22, 2011 - 16 answers

How does health insurance work while on disability?

If someone goes on disability, do they have to go on COBRA or do they keep their company insurance? My uncle was diagnosed with Stage 4 liver cancer yesterday. I am trying to do research about how health insurance works when one is severely ill. [more inside]
posted by afton on Jul 15, 2011 - 14 answers

This COBRA is strangling me!

I have COBRA health insurance now, and while it's terrific, it's really expensive (almost $500 a month!!). I am thinking of dropping it and going for short term health insurance until I get a job with a group insurance plan. Is this a terrible idea? I'm an otherwise healthy young woman with no pre-existing conditions (that I know of). And, if it's not a bad idea, can anyone recommend a reputable company?
posted by caoimhe on Apr 14, 2011 - 10 answers

I've been getting health insurance through Cobra from my last job. I now have a new job, and was told today by benefits person that I can't remain on Cobra since I am now eligible for health insurance through new job. Is this true?

I've been getting health insurance through Cobra from my last job. I now have a new job, and was told today by benefits person that I can't remain on Cobra since I am now eligible for health insurance through new job. Is this true? [more inside]
posted by Sal and Richard on Mar 25, 2011 - 11 answers

How do I get Obamacare

Help me find health insurance. Moving back to the States with wife and two kids after being away for 10 years. May not have jobs when we return. What is the best way to find health insurance? I have no idea where to start or what my options are if we return unemployed. Moving to Texas if that is relevant.
posted by jasondigitized on Mar 17, 2011 - 22 answers

Is supplemental health insurance a viable option any more?

HealthInsuranceFilter: My wife will soon be eligible for benefits through a new (part-time) employer, but the coverage stinks as it has a $20k per year max benefit. Is excess/supplemental health insurance a viable option? [more inside]
posted by QuantumMeruit on Mar 11, 2011 - 3 answers

Can a pregnant person get health insurance if her employer goes bankrupt?

What do we do for health insurance if my employer goes bankrupt? I'm pregnant. [more inside]
posted by anonymous on Jan 19, 2011 - 13 answers

Is losing my COBRA subsidy a "qualify event" to join another insurance plan?

Is the impending expiration of my COBRA federal subsidy a "qualifying event" that will allow me to join my husband's insurance outside of open enrollment? (even though I'll still be eligible for unsubsidized COBRA) [more inside]
posted by lilgoyl on Oct 27, 2010 - 12 answers

COBRA SNAFU

What to do regarding COBRA coverage being canceled due to negligence of former employer? [more inside]
posted by moosedogtoo on Aug 17, 2010 - 9 answers

Freelancing and COBRA

Can I take freelance or contract jobs without losing my COBRA health insurance? [more inside]
posted by truth1ness on May 1, 2010 - 3 answers

Is there some (legal) way I won't lose my COBRA premium subsidy?

COBRA premium subsidy: I have it, will lose it because of a temporary job, and while I can suck it up and deal, is there something I am missing? [more inside]
posted by anonymous on Apr 29, 2010 - 4 answers

Employer and/or plan administrator obligations regarding COBRA.

Does your employer and/or plan administrator have any obligation to notify you of the option to elect COBRA insurance coverage when you quit a job where you were receiving health insurance? [more inside]
posted by doomtop on Feb 5, 2010 - 16 answers

Losing my group health insurance--now what?

I'm losing my group health insurance. My wife has a pre-existing condition. Now what? [more inside]
posted by D+ on Dec 29, 2009 - 7 answers

Independent Contractor, or Not?

Supposedly I'm an Independent Contractor. But I never signed a contract. [more inside]
posted by SoftSummerBreeze on Jul 18, 2009 - 17 answers

What are my options for insurance?

What are my options for insurance? [more inside]
posted by suncoursing on Jul 15, 2009 - 9 answers

Have we really lost our coverage?

Help! My COBRA health insurance ended recently for a sketchy reason and I don't know how to get any answers and I need health care. [more inside]
posted by xenophile on Jun 17, 2009 - 12 answers

Can I still sign up for COBRA?

I lost my job, got a new job, now I'm quiting that job, am I still eligible for COBRA from my previous job? And if I am, should I sign up for it? [more inside]
posted by anonymous on May 20, 2009 - 2 answers

How to appeal termination of COBRA benefits?

The company that administers my COBRA benefits terminated me because, they said, of an NSF check, which my bank had told me would clear. But it didn't because the check was put thru literally hours before a hold on a $500 check was released. Apparently the bank rep was figuring that either A) the bank would pay the check (they have before) or B) the hold release would happen before the check came thru. My cyber-statement even shows that the check was paid; then the next day it was sent back. (So when I checked my cyber-statement to confirm the info from the phone rep, the check was shown as having been pd.) Q 1) How and to whom do I appeal? Q 2) Is it worth the effort?
posted by Macbeth123 on Apr 5, 2009 - 4 answers

Will the Stimulus' "Second Chance" COBRA Election Period Cover Those Who Elected But Didn't Pay?

The American Recovery & Reinvestment Act helps unemployed people with their COBRA payments in two ways: it subsidizes 65% of their payments, and because this lower price makes it affordable for many who couldn't before, it allows people who didn't elect for COBRA the first time a second chance to elect for coverage. I was laid off on October 24, and I did elect for coverage on January 28. But I haven't paid yet. The grace period for payment ends in a few days, on Saturday — it has to either be paid online or postmarked by then. If I were to not pay, would I be given the same second chance as those who didn't elect the first time around — the difference being that I would have elected, but not paid? It's a substantial financial difference for me. A little bit more inside. [more inside]
posted by WCityMike on Mar 11, 2009 - 3 answers

Stimulus package and COBRA for dummies

How will the COBRA subsidy in the stimulus package work? [more inside]
posted by lunasol on Feb 18, 2009 - 5 answers

Dropping Spouse on COBRA coverage?

COBRA (health) question: If I currently have health coverage through my employer for Employee(me) and Spouse, can I COBRA for Single only or do I have to keep it at Employee/Spouse? [more inside]
posted by mmangano on Aug 18, 2008 - 4 answers

Private Health Insurance Questions

Are some health insurance companies better than others? [more inside]
posted by mahamandarava on Jun 28, 2008 - 7 answers

Where's Riki-tiki-tavi when you need him?

My former employer is telling me to make my COBRA payments directly to them (the employer). That doesn't seem right to me. Is this common/legal/legitimate? Can I circumvent them and just pay the insurance company directly?
posted by bingo on Jun 2, 2008 - 19 answers

Cobra termination

I missed a Cobra Payment and they terminated me. How can I appeal their decision? [more inside]
posted by TigerCrane on Apr 18, 2008 - 4 answers

Job loss and FMLA

My job is scheduled for termination at the end of the month. My wife is pregnant and could possibly be placed on bedrest about the same time. If I apply for FMLA before my termination date, would my employer have to honor my claim? My employer is unaware of the pregnancy AND I'm only speculating that bedrest could be ordered. [more inside]
posted by tickettrader on Mar 10, 2008 - 4 answers

COBRA vs. out-of-pocket group insurance?

I left my prior job in December and was hired by a temp agency. The agency offers an out-of-pocket health insurance plan. Does this mean I can't opt to continue my old coverage with COBRA instead? [more inside]
posted by ahimsa on Jan 14, 2008 - 5 answers

Is COBRA worth it? Or is there are hidden trap?

Hello battle-scarred health insurance vets. Here's a COBRA question for you to ponder. I left my job in early November. My application with the Freelancers' Union to be eligible to enroll in their plans has been approved. In the time between the former and the latter, I had to see my primary care physician and refill a bunch of prescriptions. There's still time for me to elect to have COBRA coverage for the time since I left my job, but should I? Would that lead to the dreaded "gap in coverage"? [more inside]
posted by foxy_hedgehog on Dec 10, 2007 - 10 answers

Should I keep COBRA or try another health insurance provider if I'm moving to a new state and staying freelance?

I recently left my job at Yahoo! in Northern California and am relocating to Portland, Oregon to try my hand at self-employment. Extending my existing medical coverage with COBRA will cost me, my wife, and our three-year-old son $1200/month, which seems absolutely insane. Please help me understand the risks or consequences of waiving COBRA and getting new a new insurance plan. [more inside]
posted by waxpancake on Dec 1, 2007 - 23 answers

Travelers Insurance vs. COBRA

Can you buy travelers/vacation insurance for a domestic (within the US) trip? Is it dangerous to have traveler's insurance and not traditional health insurance for one month? [more inside]
posted by picklebird on Nov 14, 2007 - 12 answers

Is COBRA of use to me?

I'm about to be divorced with no insurance. [more inside]
posted by anonymous on Aug 21, 2006 - 16 answers

COBRA across state lines

COBRAFilter: I'm quitting Thursday and moving out of state. Can I still use COBRA? [more inside]
posted by jimmy0x52 on Jul 24, 2006 - 10 answers

Help me fix-up my Mustang Cobra.

Tell me what I should be doing to fix-up my inherited 1994 Mustang Cobra. [more inside]
posted by matkline on Jul 10, 2006 - 4 answers

Insurance flawed?

If the (small) company I work for goes bankrupt, am I still eligible for COBRA, or is COBRA predicated on the continued existence of the company? I live in California.
posted by Sinner on Jun 15, 2006 - 6 answers

Last minute COBRA

Last minute COBRA coverage. A what-if scenario.. [more inside]
posted by jclovebrew on Mar 16, 2006 - 17 answers

How can I find health coverage for my family?

I was laid off. COBRA is running out. How do I best acquire new health care coverage for my family when my wife is in much needed therapy and taking expensive medication? [more inside]
posted by jasonlatshaw on Nov 10, 2005 - 13 answers

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