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Q: I HAD BCBS WITH MY EMPLOYER AND THEY JUST LET ME KNOW THAT I DONT HAVE INSURANCE DUE TO THE FACT THAT THEY TERMINATED ME. I HAD TO HAVE SURGERY ON MY NECK AND JUST FOUND OUT I HAD NO COVERAGE, SO WHAT DO I DO
A: We are a provider of Cobra information and Alternative Solutions. We are not affiliated with Cobra. Cobra is NOT a company, but a federal law that allows you to continue on the previous employer’s group health insurance plan. If you need to elect Cobra or are finding out more information regarding your Cobra Benefits, you must contact your employer. They send out a packet for you to continue (or extend) your current health coverage.
There will be NO lapse in your coverage if you elect Cobra with your past employer. Cobra goes back retro-active once you sign up within the time frame listed in the packet. It WILL cover all pre-existing conditions since it is the same health plan you had. If you are pregnant or are seeking treatment for any type of health conditions, you really should consider continuing on Cobra. This will be your only option to have coverage for any pre-existing condition.
If you feel that your rights are not being met, you can always contact the Deparment of Labor, they over see the Cobra law at 866-444-3272.
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