I need COBRA health care coverage only for a week in March. Ceridian says I need to pay them for half of March and all of April because of "COBRA guidelines." Rat smelled. [more inside]
My dear friend is resigning from her job in the near future. She will move to another state in 2-3 months and plans to go without health insurance until she can find a job there. Is this as bad an idea as I think? How can I help? [more inside]
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]
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]
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]
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]
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]
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]
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]
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.
Please help me understand COBRA and my family's options after it runs out. [more inside]
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]
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]
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.
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]
What do we do for health insurance if my employer goes bankrupt? I'm pregnant. [more inside]
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]
What to do regarding COBRA coverage being canceled due to negligence of former employer? [more inside]
I'm losing my group health insurance. My wife has a pre-existing condition. Now what? [more inside]
What are my options for insurance? [more inside]
Are some health insurance companies better than others? [more inside]
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?
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]
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]
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]
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.
Insurance continuation question: You are laid off of work and go onto COBRA insurance. You get hired for another job that comes with health coverage and start work on the 4th of the month. If you do not pay your COBRA payment for that month, do you have a lapse in coverage for 4 days? I have tried googling but the fact that the original company is a Delaware corporation which operates in California is confounding my ability to detangle the mess, especially as the deadline for COBRA payments for a given month is on the 5th of the month.
Catastrophic health insurance (in the US): I've just been laid off and am losing health care benefits. The COBRA premiums are insane--I'm looking for something cheap that will cover near-death experiences. (I will turn to the bottle for any minor ailments.) Anyone have any advice or plan suggestions?