I am going to have a health insurance gap between October 31 and December 23rd. That is a time period less than 60 days, and I hear there is a COBRA loophole, and I would like advice about it. [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]
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]
What do I do when a person is eligible for COBRA insurance but has passed away before getting papers and signing up? [more inside]
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?
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]
Another health-insurance question - how to deal with an unexpected loss of coverage for my GF. Which of our options is best? [more inside]
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]
Do I retire and just quietly die? Or can I get health insurance? [more inside]
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?
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]
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]
Can I take freelance or contract jobs without losing my COBRA health insurance? [more inside]
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]
What are my options for insurance? [more inside]
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]
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?
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]
I missed a Cobra Payment and they terminated me. How can I appeal their decision? [more inside]
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]
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]
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]
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]
I'm about to be divorced with no insurance. [more inside]
COBRAFilter: I'm quitting Thursday and moving out of state. Can I still use COBRA? [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.
Last minute COBRA coverage. A what-if scenario.. [more inside]
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]
COBRA/HIPAA: Help me understand how these health insurance laws might apply in several employer-leaving or life-changing events. [more inside]
My COBRA runs out tomorrow. I've applied to a private carrier and was declined already. I was under the impression that if there wasn't a 63 day gap in coverage, they had to insure me. [mi] [more inside]
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.
I am in search of supplemental mental health insurance (in the US). Does such a thing exist? I'm a full-time grad student about to lose my awesome COBRA benefits from my past job. I'm going on to my husband's plan, which has crappy mental health coverage (only 20 therapist visits a year vs. 45 with my last insurance). I need weekly visits, but there's no way to change the plan. I've googled for supplemental health insurance, but I mostly get sites for those on Medicare. I've checked several major insurance companies, but none have any specifics about their mental health coverage. Has anyone else dealt with this situation? Perhaps someone who works in the insurance industry can point me in the right direction?
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?
When my insurance (COBRA) ends in March, what can I do? Private insurance is prohibitively expensive, and chances are with my preexisting health problems I may not be able to get insurance at all. Worst part is my monthly prescriptions are extremely expensive-we are talking the price of a car payment here, if not more.
Any suggestions, besides moving to Canada?
Any suggestions, besides moving to Canada?