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Q: I am on disability per my doctor and my cobra is about to run out after 18 months. I have had a social security hearing by a judge but am still waiting for a decision to be made. Do I have any options other than becoming uninsured while waiting for decision?
A: In compliance with the COBRA law, it is possible to extend the 18 months of coverage to a 29 months, if and individual has been determined disabled at the time of a qualifying event. HIPPA has modified the plan by allowing the 11 month extension to consist of those disabilities that may happen before or during that first 60 days of your COBRA coverage.
If you need some reimbursement or discounts to help you while you are awaiting your social security decisions you can visit www.basichealthinsurance.com The plan highlights for Basic Health are:
No Medical Questions or Physical Examinations - Guaranteed Issue for Eligible Members
Freedom to Choose any Health Service Provider
No Deductibles - First Dollar Coverage
Fixed Benefit Amounts - Pays Benefits Directly to the Insured
Pays in Addition to Other Private Insurance
100% Voluntary Plan - No Minimum Participation Requirements
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