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Q:  My husband lost his job Oct. 1, 2007. The company he worked for did not send us any COBRA election papers. On July 1, 2008 we received 2 insurance cards. The company had neglected to terminate our insurance, but we didn't know this. On Sept. 20, 2008, they terminated our insurance. On March 1, 2009, I started calling different departments and finally received our COBRA election notice on March 25, 2009. Can we apply the Gov. 65% deduction in our stated premium?

A:  We have no connection to the Federal Government.  If you are looking for information on the stimulus package and how it will affect your COBRA coverage, you should contact the Federal Department of Labor, they regulate the COBRA law.  The department of labor’s phone number is 866-444-3272 or visit their website at www.dol.gov

When should you seriously consider a COBRA Alternative?

You should consider a COBRA Alternative if you...

·         cannot afford COBRA option offered by former employer and or

·         have few or no pre-existing conditions and or

·         want continual coverage at a lower cost and or

·         have had no health problems and or

·         have not received any advice from medical professionals advising you to undergo a medical procedure in the future and or

·         are healthy, have a job and your new employer does not offer a health plan.

Since COBRA continuation can be fairly expensive we do offer an alternative to you at a lower cost. Here are some of our plan highlights:

·         30 days – 12 months of coverage

·         Next day coverage

·         Ability to choose any doctor or hospital

·         $1 Million Lifetime Maximum

Our policy does not cover any pre-existing medical conditions but does cover any unexpected illness that may happen.

For information about the COBRA alternative plan Click here

Or Copy and Paste this link: http://www.quoteintelligence.com/launchstate.aspx?refnumber=000005522-031-522&roi=cobraguide