http://cobrainsurance.com/help en-us http://cobrainsurance.com/help ActiveKB NX dis@sasid.com Sun, 19 May 2013 16:06:51 CDT 20 http://cobrainsurance.com/help/questions/1/ ANSWERIf you or your Child has recently graduated, are no longer a full time college student, gotten married, etc, and is coming off the parent’s employers group health plan, due to "loss ... DS Kennedy Tue, 13 Mar 2007 16:45:09 CDT http://cobrainsurance.com/help/questions/3/ Although illegal or dangerous acts committed in the workplace are likely to qualify as gross misconduct, the acts need not be criminal or otherwise unlawful in nature. In some instances, even acts ... DS Kennedy Mon, 12 Mar 2007 10:06:02 CDT http://cobrainsurance.com/help/questions/10/ Q: If I have not received any information yet, does that mean I am not covered? Will there be a lapse in coverage? A: No. Your employer legally has up to 45 days to get to you the in ... DS Kennedy Thu, 24 Jan 2008 13:49:54 CST http://cobrainsurance.com/help/questions/160/ Q: Which of the 50 states are covered with the cobra insurance? And how difficult is it to find a doctor willing to take cobra??? A: COBRA is not an insurance company, it is the name of a Feder ... DS Kennedy Tue, 18 Sep 2007 11:22:55 CDT http://cobrainsurance.com/help/questions/232/ Q: What is the telephone number that I can contact customer service to inquiry. How much it would cost monthly for cobra insurance.A: COBRA is a federal law, it is not an insurance company. Th ... DS Kennedy Tue, 18 Sep 2007 11:21:55 CDT http://cobrainsurance.com/help/questions/2/ What is COBRA? The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires most employers with group health plans to offer employees the opportunity to continue temporarily thei ... Jenny H Thu, 12 Apr 2007 16:35:02 CDT http://cobrainsurance.com/help/questions/4/ Your premiums are high because you are now paying the full medical insurance premium that your employer was paying plus an additional 2% for administration of COBRA.If you are in relatively good ... Jenny H Fri, 04 May 2007 16:53:22 CDT http://cobrainsurance.com/help/questions/5/ COBRA coverage and Disability The HIPPA law states that all qualified beneficiaries, not just the disabled person, have the right to continue with COBRA coverage and take advantage of the 11 mont ... Jenny H Tue, 01 May 2007 16:40:32 CDT http://cobrainsurance.com/help/questions/6/ Q: My husband has COBRA coverage and is also disabled. Does he qualify for an extension? A: In compliance with the COBRA law, it is possible to extend the 18 months of coverage to a 29 months ... Jenny H Tue, 27 Mar 2007 13:52:11 CDT http://cobrainsurance.com/help/questions/7/ Q: How long do I have to be on my employer’s health plan to be able to take advantage of COBRA?A: As long as you have obtained health insurance from your employer you are eligible for t ... Jenny H Thu, 05 Apr 2007 15:31:16 CDT http://cobrainsurance.com/help/questions/8/ Q: If I was a federal employee, do I have the same rights under the COBRA law? A: No. Federal employees will fall under a similar law. You should contact your employment representati ... Jenny H Thu, 05 Apr 2007 15:47:38 CDT http://cobrainsurance.com/help/questions/9/ Q: I have lost my job two weeks ago, how long does it take for me to get any COBRA information? A: Your employer has a maximum of 45 days to get that information out to you. If y ... Jenny H Thu, 05 Apr 2007 15:34:22 CDT http://cobrainsurance.com/help/questions/11/ Q: What happens if I am moving to another state after I quit my job? A: COBRA is a federal law and applies regardless of residency. But, you have to check with the insurance carrier to ... Jenny H Thu, 05 Apr 2007 16:19:55 CDT http://cobrainsurance.com/help/questions/12/ Q: My COBRA payment seems pretty expensive. Why is that? A: When you elect COBRA coverage you are responsible for paying the full premiums of that group health plan. You will be paying t ... Jenny H Tue, 27 Mar 2007 14:51:34 CDT http://cobrainsurance.com/help/questions/13/ Q: Can I get a certificate of credible coverage when under COBRA coverage? A: Yes. You are able to get a certificate of coverage when you first are eligible for COBRA, when you lose cov ... Jenny H Tue, 27 Mar 2007 15:33:22 CDT http://cobrainsurance.com/help/questions/14/ Q: My employer is having a hard time coming up with a certificate of coverage. What can I do?A: Under the HIPPA law, health plan providers and insurers are required to release to you the doc ... Jenny H Tue, 27 Mar 2007 15:49:15 CDT http://cobrainsurance.com/help/questions/15/ Q: Can my past insurance plan contact my new plan by telephone to relay coverage information?A: Yes. If all party's agree that iformation can be transfered via telephone. You may also want to ... Jenny H Wed, 28 Mar 2007 16:39:40 CDT http://cobrainsurance.com/help/questions/16/ Q: I have worked with a company that had only 5 employees. Am I still eligible for COBRA?A: Generally, a company is subject to the provisions of COBRA when the have 20 or more "employee's" on ... Jenny H Thu, 24 May 2007 17:54:48 CDT http://cobrainsurance.com/help/questions/17/ Q: Is it possible to add a new spouse or dependant to my COBRA coverage?A: Yes. A qualified beneficiary has the same rights to add newly-acquired dependents on the group health plan as a simi ... Jenny H Tue, 27 Mar 2007 16:33:01 CDT http://cobrainsurance.com/help/questions/18/ Q: Does a FMLA leave qualify me for COBRA? A: The notice of a leave taken under the FMLA does not constitute as a qualifying event for COBRA, unless the employee fails to return to work a ... Jenny H Tue, 27 Mar 2007 16:36:46 CDT http://cobrainsurance.com/help/questions/19/ Q: If I have specific questions about my COBRA coverage who do I contact? A: We are the "COBRA experts" and can answer most of your questions regarding COBRA. Since COBRA is a continuat ... Jenny H Wed, 09 May 2007 13:32:57 CDT http://cobrainsurance.com/help/questions/20/ Q: What if my employer does not know what to do? A: That employer should contact the Department Of Labor for more information. A phone number they can call is 1-866-487-2365 or visit ther ... Jenny H Wed, 28 Mar 2007 15:40:34 CDT http://cobrainsurance.com/help/questions/21/ Q: If my wife and I are getting a divorce, am I eligible to continue on her group health plan and for how long? A: Yes. Divorce is a qualifying event. You, as a dependant, are able to s ... Jenny H Wed, 11 Apr 2007 14:44:26 CDT http://cobrainsurance.com/help/questions/22/ Q: If my husband retires and is eligible for Medicare am I still allowed to get medical coverage? A: Being entitled for Medicare is a qualifying event. If your husband elects Medicare and ... Jenny H Wed, 28 Mar 2007 16:26:38 CDT http://cobrainsurance.com/help/questions/23/ Q: Who is responsible for sending me COBRA information? A: Your past employer is responsible for making sure that you receive your COBRA paperwork. That employer may hire an outside par ... Jenny H Wed, 28 Mar 2007 16:34:14 CDT http://cobrainsurance.com/help/questions/24/ Q: If I have preexisting health conditions can I still elect COBRA? A: Yes. COBRA is a continuation of the same group health insurance that you had with your past employer. If those he ... Jenny H Wed, 28 Mar 2007 16:37:43 CDT http://cobrainsurance.com/help/questions/25/ Q: What is Cal-COBRA? A: Cal-COBRA is a law issued by the State of California that is like the Federal law COBRA. Cal-COBRA applies to companies that have between 2 and 19 employees. It will ... Jenny H Wed, 09 May 2007 15:43:21 CDT http://cobrainsurance.com/help/questions/26/ Q: What are the qualifying events for COBRA?A: These events apply to the covered employee and their dependants that are covered under the policy ... Jenny H Thu, 05 Apr 2007 15:52:15 CDT http://cobrainsurance.com/help/questions/28/ Q: What are the differences in coverage with COBRA and Cal-COBRA?A: You should have the same benefits as other employee's that are covered under the same plan. You are eligible for open enrollm ... Jenny H Thu, 05 Apr 2007 16:42:01 CDT http://cobrainsurance.com/help/questions/29/ Q: When I elect COBRA coverage, are my dental and vision plans included?A: Yes. The COBRA law allows you and your beneficiaries to continue on the exact same coverage that you had with the grou ... Jenny H Thu, 05 Apr 2007 17:03:51 CDT http://cobrainsurance.com/help/questions/30/ Q: Who is not eligible for COBRA?A: Any person who was eligible for the group health plan and declined coverage and any non-resident aliens who do not earn U.S. income.Most employers that do offe ... Jenny H Thu, 24 May 2007 17:27:11 CDT http://cobrainsurance.com/help/questions/31/ Q: Can my dependent have both COBRA coverage and coverage with a different group health plan? A: Yes. Only if the new employer's group health plan has a pre-existing exclusion. (meaning that your ... Jenny H Wed, 11 Apr 2007 15:33:24 CDT http://cobrainsurance.com/help/questions/32/ Q: If my wife has continuing insurance with COBRA and her employer's group health plan, which plan is primarily responsible for her medical claims?A: Generally, the COBRA coverage is not limite ... Jenny H Wed, 11 Apr 2007 15:50:27 CDT http://cobrainsurance.com/help/questions/33/ Q: My past employer has terminated my COBRA coverage. When are they allowed to do that? A: If you are a qualified beneficiary, you can be terminated from your COBRA insurance if:1. You do not ... Jenny H Wed, 02 May 2007 17:09:14 CDT http://cobrainsurance.com/help/questions/34/ Q: What is considered a preexisting condition?A: It is a medical condition that you have had, prior to the date that you enroll with a new health plan. Jenny H Wed, 11 Apr 2007 16:38:47 CDT http://cobrainsurance.com/help/questions/35/ Q: When I get my paper work in the mail, can I elect coverage for only myself and not my dependents?A: Yes. When you get the election form in the mail, you can choose your benificiary coverage. Yo ... Jenny H Fri, 18 May 2007 15:11:17 CDT http://cobrainsurance.com/help/questions/36/ Q: I have heard about COBRA election being under time restrictions. How long do I have to elect coverage?A: COBRA election does have certain time limitations. You have only 60 days to elect COBRA ... Jenny H Thu, 12 Apr 2007 17:48:57 CDT http://cobrainsurance.com/help/questions/46/ Q: Where do I get the COBRA election form to complete. My employer says I need to send in soon.A: The form should have been given/sent to you by your employer (HR). Your employer may have hired a ... Jenny H Mon, 23 Apr 2007 16:35:47 CDT http://cobrainsurance.com/help/questions/47/ How do I file a COBRA claim for benefits? Health plan rules must explain how to obtain benefits and must include written procedures for processing claims. Claims procedures must be described ... Jenny H Tue, 17 Apr 2007 16:34:32 CDT http://cobrainsurance.com/help/questions/49/ Q: I need to be covered by insurance through Cobra. My husband was fired by his family business and now works under the table and collects unemployment. Am I entitled to coverage. We have been sep ... Jenny H Tue, 17 Apr 2007 16:51:30 CDT http://cobrainsurance.com/help/questions/50/ Q: My employer has failed to send me cobra paperwork after my resignation. I have called them twice and have yet to receive any help. Can you tell me any other resources I can use to get the paper ... Jenny H Tue, 17 Apr 2007 17:03:52 CDT http://cobrainsurance.com/help/questions/51/ Q: What does COBRA do? A: COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporarily continue their health coverage at group rate ... Jenny H Mon, 23 Apr 2007 12:59:03 CDT http://cobrainsurance.com/help/questions/52/ Q: I sent my first premium, but cannot find my paperwork. Where do I send my premium to? A: Since COBRA is a continuation of the past employers group health plan, all of your questions should b ... Jenny H Wed, 18 Apr 2007 16:35:54 CDT http://cobrainsurance.com/help/questions/53/ Q: If I quit my current position and continue my insurance coverage, including maternity, through cobra, can I get on the basic coverage and does this include maternity coverage. I am currently ... Jenny H Wed, 18 Apr 2007 13:23:34 CDT http://cobrainsurance.com/help/questions/54/ Q: My cobra coverage will end on July 9, 2007. Am I able to extend my coverage or apply for a new policy? Please answer soon as time is running out. If not who can I call to find another insuran ... Jenny H Wed, 18 Apr 2007 15:28:29 CDT http://cobrainsurance.com/help/questions/55/ Q: I belonged to a private sector plan, was terminated and picked up my cobra option. Does my former employer have to honor their contribution of $2000 to the deductible, which was part of the ... Jenny H Wed, 18 Apr 2007 16:29:21 CDT http://cobrainsurance.com/help/questions/59/ Q: Can I receive claim forms on-line, or only thru the mail. My Cobra took a while to kick in, and I had to pay for my Rx. I was told to obtain a claim form for those RX that my Cobra has not co ... Jenny H Fri, 20 Apr 2007 16:23:28 CDT http://cobrainsurance.com/help/questions/60/ Q: How long do I have to sign up for Cobra? I left my job Jan 07. I am needed insurance and do not know what/when I need to do something.A: COBRA election does have certain time limitations. You ... Jenny H Fri, 20 Apr 2007 16:28:45 CDT http://cobrainsurance.com/help/questions/61/ Q: I was recently told that I must let my COBRA insurance lapse before I can be written by this company. That does not make any sense to me. It means that I now have a lapse in my insurance cov ... Jenny H Fri, 20 Apr 2007 17:10:23 CDT http://cobrainsurance.com/help/questions/62/ Q: If an employer pays my cobra payments as part of my severance package, is that taxable income to me?A: The IRS will have the answer's to those questions for you. You can visit their site at w ... Jenny H Mon, 23 Apr 2007 12:11:26 CDT http://cobrainsurance.com/help/questions/63/ Q: Who do I contact being that I paid my previous employer for 2 months of continued coverage and they never reinstated my insurance benefits. They took my check for over $1100.00, cashed it, an ... Jenny H Mon, 23 Apr 2007 12:57:35 CDT http://cobrainsurance.com/help/questions/64/ Q: I presently have Cobra insurance. My husband passed away 13 months ago and my cobra will be running out soon. I am having a terrible time trying to find insurance since I have diabetes. What ... Jenny H Mon, 23 Apr 2007 12:58:11 CDT http://cobrainsurance.com/help/questions/65/ Q: I have a friend who has been incarcerated for DWI. During the time he is in prison, does he and/or his dependent qualify for Cobra coverage? A: If any of these reasons were the cause of t ... Jenny H Mon, 23 Apr 2007 12:57:11 CDT http://cobrainsurance.com/help/questions/68/ Q: I just lost my job and in Feb. I turned 65 so I signed up for Medicare but at that time I was covered by my company group plan. My company agreed to pay 6 months of COBRA for me however I ... Jenny H Mon, 23 Apr 2007 17:05:39 CDT http://cobrainsurance.com/help/questions/69/ Q: Does COBRA insurance apply for overseas travel? A: COBRA is a federal law and applies regardless of residency. But, you have to check with the insurance carrier to see if that policy is ab ... Jenny H Wed, 25 Apr 2007 15:05:31 CDT http://cobrainsurance.com/help/questions/70/ Q: If an eligible dependent (spouse) was disabled at the time of COBRA enrollment and remains legally disabled, are they eligible for the 11 month extension? Or, does the rule only apply to the ... Jenny H Mon, 23 Apr 2007 17:25:35 CDT http://cobrainsurance.com/help/questions/71/ Q: My daughter is covered under her father's health insurance and will be leaving school soon. Can she be covered under COBRA?A: If you or your Child has recently graduated, or is no longer a ... Jenny H Mon, 23 Apr 2007 17:38:19 CDT http://cobrainsurance.com/help/questions/72/ Q: I have health insurance with my current employer in NH until May 31st (when my current employment contract ends), and I am planning to continue that insurance through COBRA until around Ju ... Jenny H Thu, 24 May 2007 15:16:51 CDT http://cobrainsurance.com/help/questions/73/ Q: My sister in law was recently terminated from her job. She than decided become an independent business owner. Is she still eligible to subscribe to the COBRA insurance?A: Yes. If she is com ... Jenny H Tue, 24 Apr 2007 17:37:47 CDT http://cobrainsurance.com/help/questions/74/ Q: My COBRA coverage is about to expire, I currently pay $998.38 a month. I asked for an extension in December because of my son’s disability. I was told yes they can extend it, but I wil ... Jenny H Wed, 25 Apr 2007 14:39:09 CDT http://cobrainsurance.com/help/questions/75/ Q: A payment check was lost in the mail. What rights do I have to not be terminated?A: A payment should be accepted by the employer if it was received in a timely manner. A payment is consider ... Jenny H Wed, 25 Apr 2007 15:04:32 CDT http://cobrainsurance.com/help/questions/76/ Q: I am under COBRA due to a divorce. When I remarry does cobra end, or can I continue it for the duration of the time remaining? A: Yes. Divorce or Legal separation are triggering events that ... Jenny H Wed, 25 Apr 2007 15:53:45 CDT http://cobrainsurance.com/help/questions/77/ Q: If a company is downsizing, and offers an employee lower position with a reduction in salary and that person quits, can the employee be covered under COBRA and for how long?A: These event ... Jenny H Thu, 26 Apr 2007 16:09:52 CDT http://cobrainsurance.com/help/questions/79/ Q: I have a pre-existing condition and I am going to be moving. I plan on taking COBRA. Will COBRA be considered coverage during the time that I am looking for a new job? I was told that you may ... Jenny H Mon, 30 Apr 2007 17:57:01 CDT http://cobrainsurance.com/help/questions/80/ My son was born 4-13-2007 and I need to add him to my policy. I have called to 800 numbers and can not get to talk with a live representative. Any help I would appreciate. Thank youA: If you nee ... Jenny H Thu, 26 Apr 2007 18:01:53 CDT http://cobrainsurance.com/help/questions/81/ Q: My company of 100 employees has announced it is ending our BC/BS coverage. Does Bc/Bs have to offer me a COBRA extension of coverage since it was a fully insured plan?A: COBRA is a federal ... Jenny H Mon, 30 Apr 2007 16:03:22 CDT http://cobrainsurance.com/help/questions/82/ Q: I have a friend who was recently laid off from work and its starting to look like he may need some help with a drug abuse program. I would like to find out what cobra covers in these situation ... Jenny H Fri, 27 Apr 2007 16:34:35 CDT http://cobrainsurance.com/help/questions/84/ Q: If one is enrolled at a State University as a student, do COBRA guidelines apply? The student is not an employee of the institution. The student is enrolled in a group medical and dental pla ... Jenny H Mon, 30 Apr 2007 13:54:47 CDT http://cobrainsurance.com/help/questions/85/ Q: Former employer has falsified the date of employment and termination on COBRA insurance letter. Is there any legal action that I can take against them? A: The US Department of Labor regulates t ... Jenny H Mon, 30 Apr 2007 15:26:56 CDT http://cobrainsurance.com/help/questions/86/ Q: I am currently getting insurance coverage with COBRA via my previous employer. I send them a check every month for my coverage. They have in the works a closing or selling of the company. Wha ... Jenny H Mon, 30 Apr 2007 15:28:32 CDT http://cobrainsurance.com/help/questions/87/ Q: My girlfriend has lost her position as office manager and chose to leave that office. She is going to have an operation on her lower back in about 10 days or so. It is a small office 8 - 10 ... Jenny H Mon, 30 Apr 2007 16:02:38 CDT http://cobrainsurance.com/help/questions/88/ Q: I have been out of work for 18 months due to a work related injury. I have now been told by my doctors that my illnesses not related to the injury, have caused me to have a permanent disa ... Jenny H Thu, 10 May 2007 16:35:14 CDT http://cobrainsurance.com/help/questions/89/ Q: My mother is over 65 years old, but she is still working full time, she will need to go out on disability - will she be able to get COBRA coverage? A: At the age of 65 she is entitled to Med ... Jenny H Mon, 30 Apr 2007 17:08:22 CDT http://cobrainsurance.com/help/questions/90/ Q: Does COBRA cover prescriptions?A: COBRA is a continuation of the same insurance you had the day before the qualifying event. If your group health plan covered prescriptions before, than und ... Jenny H Mon, 30 Apr 2007 17:14:12 CDT http://cobrainsurance.com/help/questions/91/ Q: I live in Hawaii and I have insurance with my present employer. I have job offers in both Arizona and Texas and will probably move within the next few months (before the next open enrollment pe ... Jenny H Thu, 30 Aug 2007 23:39:45 CDT http://cobrainsurance.com/help/questions/98/ Q: I have been told that an individual that is disabled is entitled to an additional 11 months of Cobra Coverage (totaling 29 months). Is this correct? Where is this documented as proof?A: The HI ... Jenny H Wed, 02 May 2007 17:35:50 CDT http://cobrainsurance.com/help/questions/101/ Q: If someone has left their employment and has cobra and is now going to start a new job that does not offer health insurance can they still stay on their COBRA? A: Yes, you can still stay on ... Jenny H Sun, 06 May 2007 22:37:42 CDT http://cobrainsurance.com/help/questions/102/ Q: My company has a small group health plan with United Health Care and currently has 16 employees on the plan. I am considering hiring a sharp accountant out of college. He currently is on his ... Jenny H Thu, 03 May 2007 13:06:42 CDT http://cobrainsurance.com/help/questions/103/ Q: I am going on 63 years of age. I am currently employed but I am considering semi-retirement at the end of this year, if I can still get insurance coverage. I am an insulin dependent diabetic ... Jenny H Thu, 03 May 2007 13:20:56 CDT http://cobrainsurance.com/help/questions/104/ Q: I need help with HIPAA: When I retired I did not know that I could not get an individual health insurance plan because of my weight. I am now getting my health insurance through the 18 month ... Jenny H Thu, 03 May 2007 15:25:06 CDT http://cobrainsurance.com/help/questions/105/ Q: My job recently offered me the option of switching from being a regular full-time employee to a per-diem or fee for service employee. If I choose to do so, I will no longer be eligible to rece ... Jenny H Thu, 03 May 2007 15:42:20 CDT http://cobrainsurance.com/help/questions/106/ Q: Iam currently coved by cobra and I want to extend my coverage, how do I do that?A: There are only a few ways that a person would be able to extend their COBRA coverage. 1. If you are deemed l ... Jenny H Thu, 03 May 2007 15:47:49 CDT http://cobrainsurance.com/help/questions/107/ Q: I currently am covered by a Blue Cross of CaliforniaHMO plan and the premium paid is $xxx.xxx for medical, and $xx.xx for dental. Can you please advise what my payment would be with COBRA? A ... Jenny H Thu, 03 May 2007 16:35:07 CDT http://cobrainsurance.com/help/questions/108/ Q: I am leaving my job April 26 to begin a new job may 1. I am currently covered through Select Med by my employer. The new company insurance will not be effective until June 15 (45 days). My w ... Jenny H Thu, 03 May 2007 17:16:56 CDT http://cobrainsurance.com/help/questions/111/ Q: Will COBRA either accept payment by electronic bank transfers or by credit card? Thanks, V.M.A: Generally, the employer will process the monthly premiums payments they recieve by mail in the f ... Jenny H Fri, 04 May 2007 13:15:42 CDT http://cobrainsurance.com/help/questions/112/ Q: I was just laid off from my job. What would a typical pregnancy cost with this insurance? Please help. Thanks AndrewA: COBRA is a federal law, which allows you to continue on your previous emp ... Jenny H Fri, 04 May 2007 16:57:29 CDT http://cobrainsurance.com/help/questions/116/ Q: My daughter is 18, has graduated from high school, is not currently going to school, and is pregnant. The baby is due after she turns 19. I don't know if I should apply for COBRA or Medicaid ... Jenny H Fri, 04 May 2007 16:56:28 CDT http://cobrainsurance.com/help/questions/117/ Q: My husband is in the army and will be leaving in October. I am pregnant and Due in December. His insurance at his new job will not have kicked in yet. Do I qualify for cobra?A: No. COBRA is ... Jenny H Fri, 04 May 2007 17:20:19 CDT http://cobrainsurance.com/help/questions/118/ Q: Is it true that I don't pay on Cobra unless I have a situation that I need medical attention? I have changed jobs and will be w/o insurance for one month. I am unclear about when I sign up and ... Jenny H Mon, 07 May 2007 17:41:41 CDT http://cobrainsurance.com/help/questions/119/ Q: I was laid off and got cobra, the company I used to work for is switching insurance and they are telling me that this is switching my cobra now to their new insurance company etc. Is this ri ... Jenny H Sun, 06 May 2007 22:38:04 CDT http://cobrainsurance.com/help/questions/120/ Q: If I have COBRA and the company I worked for changes insurance companies (They now have Blue Cross but are changing to Cigna) does my coverage stay with Blue Cross or does it change to Cigna?A ... Jenny H Sun, 06 May 2007 22:37:02 CDT http://cobrainsurance.com/help/questions/121/ Q: If my cobra ins runs out April 30, I know I have a 30 day grace period to pay(to decide if I want to pay for the cobra). If I need to use the cobra before I elect to continue cobra in the 30 ... Jenny H Sun, 06 May 2007 22:54:25 CDT http://cobrainsurance.com/help/questions/122/ Q: I have health and dental insurance thru my company I work for. I also have coverage for my family. My son turned 23 and he had to be dropped October 2006. I got cobra for him starting with my ... Jenny H Sun, 06 May 2007 23:08:48 CDT http://cobrainsurance.com/help/questions/123/ Q: I recently left my job for a better job. My new employer tells me that they forgot to tell me there is a 90 day waiting period with their insurance. My old employer tells me that they do not ... Jenny H Sun, 06 May 2007 23:21:30 CDT http://cobrainsurance.com/help/questions/124/ Q: I was terminated from my job on March 23rd of this year. I haven't heard anything nor have I received a notice. I don't know who to get in touch with. I tried e mailing the company but hav ... Jenny H Sun, 06 May 2007 23:33:16 CDT http://cobrainsurance.com/help/questions/125/ Q: Has the law changed for Cobra coverage to last 3 years instead of 18 months? I don't have any extended reasons as noted on the website -- I just left my company. Please advise as I am hearing 1 ... Jenny H Sun, 06 May 2007 23:40:59 CDT http://cobrainsurance.com/help/questions/126/ Q: I have been on Cobra since Jan 2006. In Feb 2006 my wife had an accident that will require further surgery after the 18 month Cobra period has ended. It seems that my only alternative is an ... Jenny H Mon, 07 May 2007 15:05:51 CDT http://cobrainsurance.com/help/questions/127/ Q: I was divorced in October of 2006. My wife’s employer failed to notify me of a termination in coverage. I was insured up until last month buying prescriptions etc without my knowledge, ... Jenny H Wed, 09 May 2007 13:34:29 CDT http://cobrainsurance.com/help/questions/128/ Q: I am leaving a job on May 9th where I have coverage with Sagamore. I have a 90 waiting period before the insurance at my new job takes effect with United Health. I know I can carry COBRA thru m ... Jenny H Mon, 07 May 2007 15:49:14 CDT http://cobrainsurance.com/help/questions/129/ Q: My husband's insurance at his new employer starts on June 1. His old co. insurance coverage terminated Apr. 30. We have a one-month gap. Are we still covered for the month of May, or would we ... Jenny H Mon, 07 May 2007 16:05:04 CDT http://cobrainsurance.com/help/questions/130/ Q: I have been offered a buyout from my current employer, which includes two years of health insurance. Will I be eligible for COBRA after this two-year period ends? Thank you. DakotaA: Compan ... Jenny H Mon, 07 May 2007 16:42:57 CDT http://cobrainsurance.com/help/questions/131/ Q: We received no notification of Cobra plan costs and the Enrollment period has expired, benefits have been denied. What can be done?A: Your past employer or the plan administrator should have s ... Jenny H Mon, 07 May 2007 17:36:36 CDT http://cobrainsurance.com/help/questions/132/ Q: I have resigned from my job, and I know I was suposed to get a letter from my employer about cobra options. I never got that letter . What are my options now, because I need my health insurance ... Jenny H Mon, 07 May 2007 17:46:16 CDT http://cobrainsurance.com/help/questions/135/ Q: I'm with a family law firm and a lot of our spouses might find attractive a COBRA alternative. Can you give me general information? A: I would be happy to give you some general inform ... Jenny H Tue, 08 May 2007 15:00:04 CDT http://cobrainsurance.com/help/questions/136/ Q: I presently have health insurance where I work (they have 30 employees). I am thinking of retiring. After I retire I could have health insurance under my husband's plan (he owns a small busi ... Jenny H Thu, 10 May 2007 17:49:00 CDT http://cobrainsurance.com/help/questions/137/ Q: I am 60 years old, and my Cobra coverage from my last job will be ending June 25th. I am working on getting a part-time job with a school district, and I understand they provide full coverag ... Jenny H Tue, 08 May 2007 15:48:08 CDT http://cobrainsurance.com/help/questions/140/ Q: I need a clarification regarding a statement "if you elect continuation coverage, the coverage you are given must be identical to the coverage that is currently available under the plan to si ... Jenny H Wed, 09 May 2007 13:24:30 CDT http://cobrainsurance.com/help/questions/142/ Q: How do I go about canceling my COBRA insurance?A: There are many ways that you can go about canceling your existing COBRA coverage. 1. You can contact your past employer and you may have ... Jenny H Wed, 09 May 2007 14:37:21 CDT http://cobrainsurance.com/help/questions/143/ Q: I was on compensation, due to an injury at work. Then a lot of us were laid off 2 weeks later. I was released March 30th. They said to hang loose about my insurance, because no one knew if I ... Jenny H Thu, 10 May 2007 17:24:17 CDT http://cobrainsurance.com/help/questions/144/ Q: I am leaving my current job to attend school. I will continue coverage with COBRA due to a pre-existing condition. Can I also have insurance with another company that will not cover my pre-exi ... Jenny H Thu, 10 May 2007 17:48:38 CDT http://cobrainsurance.com/help/questions/156/ Q: I have a new employee who is/was on Cobra from a previous employer. She received a termination notice from Cobra because the mailed payment was not received (and not yet cashed). She was never ... Jenny H Fri, 18 May 2007 17:56:56 CDT http://cobrainsurance.com/help/questions/158/ Q: I will be moving to another state for a new company which will not cover me and my family for 90 days. My wife is 5 months pregnant. Can I just have her and my daughter covered under cobra? ... Jenny H Thu, 17 May 2007 16:09:18 CDT http://cobrainsurance.com/help/questions/159/ Q: Is a FSA eligible for continuation under COBRA? A: A 125 Cafeteria plan allows employee's put a portion of their earnings, pre-taxed, into a Flexible Spending Account (FSA), which they can use ... Jenny H Fri, 18 May 2007 09:48:48 CDT http://cobrainsurance.com/help/questions/161/ Q: I am getting a new job, just need to know the cost for a single person for three months?A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that yo ... Jenny H Thu, 17 May 2007 16:41:41 CDT http://cobrainsurance.com/help/questions/162/ Q: My husband was employed and was covered under a group plan as well as Medicare. He is no longer employed and has elected cobra. However, his cobra plan has informed us that because he is cov ... Jenny H Fri, 18 May 2007 15:02:34 CDT http://cobrainsurance.com/help/questions/163/ Q: Can I take myself or my wife off the insurance and lower my monthly payment?A: When you get the election form in the mail, you can choose your benificiary coverage. You are not able to add an ... Jenny H Thu, 24 May 2007 13:01:31 CDT http://cobrainsurance.com/help/questions/164/ Q: I currently have cobra through an X employer. I have had coverage for approx. 12 month. He may be closing his business due to bankruptcy. If he opens another business under another name, wil ... Jenny H Fri, 18 May 2007 15:38:04 CDT http://cobrainsurance.com/help/questions/165/ Q: My mother in law has been covered by insurance for the past 20+ years. She recently got a new job and her benefits do not kick in until June 21. They offered her COBRA but she declined. This ... Jenny H Fri, 18 May 2007 16:04:55 CDT http://cobrainsurance.com/help/questions/166/ Q: I have l large group cobra policy, and Medicare. Is Medicare secondary, as it was with the original policy and what if Cobra pays before Medicare, can they demand the money back from me? A: ... Jenny H Fri, 18 May 2007 16:12:30 CDT http://cobrainsurance.com/help/questions/167/ Q: I am thinking of quiting my job. I am HIV+ and currently have an HMO coverage which includes perscription coverage. Two questions: 1) Can I still recieve Cobra? 2)Can cobra help me get insuran ... Jenny H Tue, 22 May 2007 17:53:32 CDT http://cobrainsurance.com/help/questions/168/ Q: I have a history of breast cancer. What if I still have not found a new job with medical coverage by the time the 18 months of Cobra is finished? Can I extend the Cobra? What are my options?A: ... Jenny H Fri, 18 May 2007 16:28:52 CDT http://cobrainsurance.com/help/questions/171/ Q: If our group insurance has Medicare as a secondary payer, (because I was in a trial working period and disabled) and we switch to cobra, because of fewer hours, does Medicare become primary ... Jenny H Mon, 21 May 2007 15:39:08 CDT http://cobrainsurance.com/help/questions/172/ Q: I lost my job 3/30. I have coverage until 6/16. I will not start my new job until 5/21. My new insurace won't start until 30 days after I start. I will have a lapse in coverage for 1 week. Do ... Jenny H Mon, 21 May 2007 15:43:48 CDT http://cobrainsurance.com/help/questions/173/ Q: I am a Canadian citizen working in California and I have a J-1 visa. Would I qualify for COBRA if I left my current position, even though my visa is valid for a few more months? A: Individual ... Jenny H Mon, 21 May 2007 16:16:29 CDT http://cobrainsurance.com/help/questions/174/ Q: My husband and I do not have health insurance, we been wihout health insurance for a year now and his health insurance at his job is so expensive. Are we able to get COBRA insurance, what are ... Jenny H Mon, 21 May 2007 16:34:32 CDT http://cobrainsurance.com/help/questions/176/ Q: I am leaving my job and will be sent the cobra form in the mail. I want to know if i can make my spouse the main applicant on the insurance by taking myself off. She is pregnant and I need her ... Jenny H Mon, 21 May 2007 16:42:39 CDT http://cobrainsurance.com/help/questions/181/ Q: My 18 month Cobra coverage through my employer will terminate next month. I am a California resident but am covered by Blue Shield of Florida. I would like to sign up with California Cobra, ... Jenny H Tue, 22 May 2007 17:52:12 CDT http://cobrainsurance.com/help/questions/184/ Q: My daughter, age 21, recently graduated from college and is no longer covered by my Tricare Prime. Is Tricare Prime considered the same as employer provided group health insurance? Is she el ... Jenny H Thu, 24 May 2007 13:01:02 CDT http://cobrainsurance.com/help/questions/187/ Q: I am moving from Missouri state to Washington state. My insurance in Missouri is an HMO and I can only go to Dr's in MO state and in the St. Johns system. When I move to WA state how will the ... Jenny H Thu, 24 May 2007 15:19:14 CDT http://cobrainsurance.com/help/questions/188/ Q: If I have obtained private insurance coverage and am not currently happy with the new private policy, am I able to drop the private insurance and still qualify for COBRA's continuing coverage ... Jenny H Thu, 24 May 2007 15:48:04 CDT http://cobrainsurance.com/help/questions/189/ Q: On April 23rd I mailed my Publix Cobra Information but have never received documents or have had payments taken from my account. My grandfather has control of my bank account so it was only ... Jenny H Thu, 24 May 2007 16:50:42 CDT http://cobrainsurance.com/help/questions/191/ Q: As a retiree of Delta Air Lines, I am enrolled in the Delta Employees Medical Plan and Delta agrees to allow me to continue with this plan until I am eligible for Medicare. I am now 58 years ... Jenny H Thu, 24 May 2007 17:19:00 CDT http://cobrainsurance.com/help/questions/192/ Q: What if the company lets you go and never sends a notification for Cobra?A: First you must identify if the employer is legally responsible for offering you COBRA. Most employers that do offe ... Jenny H Thu, 24 May 2007 17:40:44 CDT http://cobrainsurance.com/help/questions/193/ Q: I am waiting on cobra paperwork and was wondering what my premium will be?A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that you were on. Sin ... Jenny H Thu, 24 May 2007 17:48:36 CDT http://cobrainsurance.com/help/questions/195/ Q: Can I get the form myself and send it in to apply?A: Since COBRA is a continuation of an employer's group health policy, you can only get the election form through them. The past employer may ... Jenny H Fri, 27 Jul 2007 16:16:39 CDT http://cobrainsurance.com/help/questions/196/ Q: Hi, I'm leaving my current job to take a 3-month educational leave. Basically, I've received a small grant to help me finish my dissertation, but if I fall below 30 hours, my insurance cover ... Jenny H Fri, 25 May 2007 13:42:33 CDT http://cobrainsurance.com/help/questions/197/ Q: Hi, my wife resigned and I hope she will get COBRA from her former employer. Her former insurance was xxxxx Benefit and Pension Funds; it's in the local NY area. I hope she will get COBRA fro ... Jenny H Fri, 25 May 2007 15:51:17 CDT http://cobrainsurance.com/help/questions/198/ Q: How can I be forced to pay premiums for the time lapsed between recieving COBRA registration info when I was never notified that it would be retroactive from the cut off date? A whole month ... Jenny H Fri, 25 May 2007 16:22:16 CDT http://cobrainsurance.com/help/questions/199/ Q: When going to a regular doctor visit, what is the co-pay with cobra?A: Since COBRA is a continuation of the same group health plan you had previously, your co-pay will be the same. COBRA is no ... Jenny H Fri, 25 May 2007 17:18:51 CDT http://cobrainsurance.com/help/questions/200/ Q: My wife is pregnant and we do not have coverage through COBRA, yet. I want to just get her coverage. Is this possible? Do I need to let my former employee know that she is pregnant? A: COBR ... Jenny H Fri, 25 May 2007 17:43:21 CDT http://cobrainsurance.com/help/questions/205/ Q: I recently sent a check in the mail (2 weeks ago) and it has not been cashed. Please tell me if you have my information on file. My employer refered Cobra to me. Also I was in the middle of do ... Jenny H Tue, 24 Jul 2007 16:26:42 CDT http://cobrainsurance.com/help/questions/206/ Q: My husband retired in Jan at age 60. I was on Medicare, plus his insurnace group was my primary. Because I am on Medicare they would not cover me anymore. Both insurances say the other is prim ... Jenny H Tue, 05 Jun 2007 16:58:08 CDT http://cobrainsurance.com/help/questions/207/ Q: Due to chronic back pain I would like to either go part time or retire early. I carry the health insurance for both my husband and myself. Can I get COBRA for both of us for 18 months? Then we ... Jenny H Tue, 05 Jun 2007 17:20:35 CDT http://cobrainsurance.com/help/questions/208/ Q: If I cancel my insurance midway through the month, will get a refund of the amount of money not used in the month?A: If you are making payment for your COBRA continuation coverage, than you w ... Jenny H Tue, 05 Jun 2007 17:34:22 CDT http://cobrainsurance.com/help/questions/210/ Q: I am a US citizen and have been living and working in Rome, Italy for four-and-a-half years. I am a professor at The American University in Rome - a university that is incorporated both in It ... Jenny H Wed, 06 Jun 2007 14:50:31 CDT http://cobrainsurance.com/help/questions/212/ Q: I am travelling to Europe and South Africa this summer. Will I still be covered on these trips? A: If you are planning on traveling outside the United States, you are going to have to contact ... Jenny H Wed, 06 Jun 2007 16:37:08 CDT http://cobrainsurance.com/help/questions/214/ Q: I currently have PPO coverage through my employer. If I leave my company and go on COBRA, can I change my coverage to HMO so that I can lower my premiums, or do I have to keep the same coverag ... Jenny H Wed, 06 Jun 2007 17:19:20 CDT http://cobrainsurance.com/help/questions/221/ Q: My husband currently holds the health care for me, him, and our two young children and I am pregnant, (AETNA). If he leaves his job in NY and moves to another state, (FL), without a job, can w ... Jenny H Thu, 07 Jun 2007 16:03:58 CDT http://cobrainsurance.com/help/questions/224/ Q: I requested cobra from my former employer but he canceled my coverage. Do I have any rights in this or can he just cancel it? I live in MA. Thank you.A: There are many reasons why your existi ... Jenny H Fri, 08 Jun 2007 14:49:15 CDT http://cobrainsurance.com/help/questions/225/ Q: My husband was recently laid off, as were many other employees. His company is going up for sale very shortly. His company has its ex employees paying for medical on a weekly basis for now, an ... Jenny H Fri, 08 Jun 2007 15:13:53 CDT http://cobrainsurance.com/help/questions/226/ Q: If I retire from a company that offers Cobra, how long do I have to make a decision to take Cobra after my last working day?A: COBRA election does have certain time limitations. You have only ... Jenny H Tue, 19 Jun 2007 17:13:52 CDT http://cobrainsurance.com/help/questions/227/ Q: I know an employee has 60 days to elect the coverage, but does that mean the election paperwork/notification must be in the administrators hand on the 60th day or the member electing Cobra has ... Jenny H Fri, 08 Jun 2007 17:21:24 CDT http://cobrainsurance.com/help/questions/228/ Q: I have Oxford Liberty insurance form my work. My wife is 62years and she is on this polycy. In August I will be 65 years and will take medicare. As I understaood I will not be allowed to conti ... Jenny H Fri, 08 Jun 2007 17:47:53 CDT http://cobrainsurance.com/help/questions/251/ Q: I am employed and have been on medical leave since December 2006. I was notified by letter that I owed $824 to catch my insurance premiums up. I sent this to my employer and then received a le ... Jenny H Tue, 19 Jun 2007 16:12:44 CDT http://cobrainsurance.com/help/questions/252/ Q: I am retiring the end of 2007 at age 62. I am currently insured through my employer . I live in CT. There are less than 20 employees in our office. Will I still be offered Cobra and how far in ... Jenny H Tue, 19 Jun 2007 17:11:50 CDT http://cobrainsurance.com/help/questions/257/ Q: I elected COBRA and pay all the premiums for my wife who was pregnant. I elected, spouse only and then when the child was born, I informed the provider to add the child within the 30 days re ... Jenny H Wed, 20 Jun 2007 14:50:11 CDT http://cobrainsurance.com/help/questions/258/ Q: I am currently on COBRA with my previous employer. My wife is currently on COBRA with her previous employer. Her COBRA will run out a year before mine though because she terminated from empl ... Jenny H Wed, 20 Jun 2007 15:15:56 CDT http://cobrainsurance.com/help/questions/259/ Q: I voluntarily left my position on 5/18/07. I have not received any COBRA information as yet. I have called them and do not get any satisfaction. I thought that it was a law that COBRA inform ... Jenny H Wed, 20 Jun 2007 15:30:40 CDT http://cobrainsurance.com/help/questions/260/ Q: What ID card do I use? I had Humana Dental insurance. Do I use their card?A: If you are making your COBRA payments, then you will be continuing the same insurance that you had with Humana. You ... Jenny H Wed, 20 Jun 2007 15:37:02 CDT http://cobrainsurance.com/help/questions/261/ Q: My ex husband was ordered to pay my cobra for 3 years because I was unemployed at the time of our divorce. I now have a job where I am eligible for medical insurance. Can I continue to keep my ... Jenny H Wed, 20 Jun 2007 15:55:48 CDT http://cobrainsurance.com/help/questions/262/ Q: I have recently been layed off from my job. I became sick and was hospitalized. Upon my return to work I was given little or no work. After explaining to my employer that I needed to work to k ... Jenny H Wed, 20 Jun 2007 16:18:50 CDT http://cobrainsurance.com/help/questions/263/ Q: I quit my job last month and just found out that I am pregnant. I would like to go to the doctor very soon, but will not receive the form in the mail for 3 or 4 more weeks. Is there a way I ca ... Jenny H Wed, 20 Jun 2007 16:45:38 CDT http://cobrainsurance.com/help/questions/265/ Q: My daughter was employed this past year under a term contract with a local school district. Her health coverage ends on June 30 but she has been hired by the same district with a regular cont ... Jenny H Wed, 20 Jun 2007 17:18:21 CDT http://cobrainsurance.com/help/questions/268/ Q: I am an American citizen and am living with my children and husband in Germany where he (green card holder) is presently working for a US company and has me and my children insured with the ... Jenny H Thu, 21 Jun 2007 15:29:40 CDT http://cobrainsurance.com/help/questions/300/ Q: I am 64 yrs. old & will turn 65 Nov. 22, 2007. I am employed full time & have full health benefits. My wife (turns 62 Aug. 20, 2007) is also covered under my benefits plan. I will be eligibl ... Jenny H Wed, 11 Jul 2007 16:39:01 CDT http://cobrainsurance.com/help/questions/27/ Q: How long does my COBRA coverage last?A: Your length of coverage is determined by your qualifying event. 18 months: job termination(quit or got “let go”), reduction of working ... Shannon K Mon, 14 Apr 2008 12:37:22 CDT http://cobrainsurance.com/help/questions/48/ Q: I am starting a new job and COBRA Health care will be provided. How can I check out which Physicians are in your Network?A: COBRA is the same plan that you had with your previous employer. S ... Shannon K Tue, 17 Apr 2007 16:35:38 CDT http://cobrainsurance.com/help/questions/56/ The Basics you need to know: · COBRA Insurance is not a company. It is a Law. · COBRA Insurance through your former employer is Very Expensive. You are now resp ... Shannon K Mon, 14 Apr 2008 12:40:39 CDT http://cobrainsurance.com/help/questions/83/ Q: My job recently offered me the option of switching from being a regular full-time employee to a part-time employee. If I choose to do so, I will no longer be eligible to receive their grou ... Patty Arreguin Fri, 27 Apr 2007 17:57:21 CDT http://cobrainsurance.com/help/questions/92/ Q: My cousin got laid off from her job December 2005 - She still has Cobra. How long can she stay with Cobra. She thinks it is 18 months. Is this true? Or can she have it for longer than 18 month ... Patty Arreguin Tue, 01 May 2007 11:27:34 CDT http://cobrainsurance.com/help/questions/93/ Q: I have a pre-exiting condition. Can I still qualify for COBRA? A: Yes. COBRA is a continuation of the same group health insurance that you had with your past employer. If those health cond ... Patty Arreguin Tue, 01 May 2007 12:15:20 CDT http://cobrainsurance.com/help/questions/94/ Q: If I resign from my company, do I still qualify for COBRA? A: Resigning from a company is a qualifying event. Other qualifying events apply to the covered employee and their dependants tha ... Patty Arreguin Thu, 13 Dec 2007 17:51:58 CST http://cobrainsurance.com/help/questions/95/ Q: I turned 65 and signed up for Medicare A. At that time I was employed and under my employer group plan. In April I was termed and they offered to pay for my Cobra for 6 months. Can I be covere ... Patty Arreguin Tue, 01 May 2007 16:59:48 CDT http://cobrainsurance.com/help/questions/96/ Q: I am currently employed right now in Florida but I'm quiting in May to move to NY. I have a pre-existing condition. Can I get coverage from Cobra even with this condition? How much will it b ... Patty Arreguin Tue, 01 May 2007 17:21:04 CDT http://cobrainsurance.com/help/questions/97/ Q: What coverage does COBRA offer if I travel outside the US?A: COBRA is a federal law and applies regardless of residency. But, you have to check with the insurance carrier to see if that policy ... Patty Arreguin Tue, 01 May 2007 17:25:44 CDT http://cobrainsurance.com/help/questions/99/ Q: Does it matter how long you work for a company as to whether or not you'll be offered COBRA. Example, do you have to work a designated time amount for a company before resigning and then opt ... Patty Arreguin Fri, 11 May 2007 10:47:30 CDT http://cobrainsurance.com/help/questions/100/ Q: I have job offers in both Arizona and Texas and will probably relocate within the next few months. My current employer's policy is an HMO, and they don't have any providers where I want to mo ... Patty Arreguin Thu, 03 May 2007 10:02:29 CDT http://cobrainsurance.com/help/questions/109/ My husband will be leaving his job on may 16th to start a new one. I am due to give birth about 2 weeks after he starts the new job. The new company told him we could get cobra & they would cover ... Patty Arreguin Fri, 04 May 2007 10:13:24 CDT http://cobrainsurance.com/help/questions/113/ Q: ARE EMPLOYERS ABLE TO OFFER EMPLOYEES COBRA IF THE HAVE LESS THAN 20 EMPLOYEES? OR ARE THEY NOT ALLOWED TO?A: If the company has less than 20 employees they are not subject to the federal law a ... Patty Arreguin Fri, 04 May 2007 13:22:39 CDT http://cobrainsurance.com/help/questions/114/ Q: Where do I send my COBRA payments?A: Generally, the employer will process the monthly premium payments they receive by mail in the form of check or money order, made payable to the employer. Patty Arreguin Wed, 31 Oct 2007 14:33:40 CDT http://cobrainsurance.com/help/questions/115/ Q: Will I be covered for my pregnancy on COBRA? Is there coverage for the newborn baby? A: The pregnancy would be covered if the group health policy had coverage for it at the time you appli ... Patty Arreguin Tue, 08 May 2007 16:09:56 CDT http://cobrainsurance.com/help/questions/133/ Q: I left a company in March of 2005 and my COBRA benefits ended Sept, 2006. I am thinking of rejoining the same company for the health insurance benefits. But if I decided to leave again, how l ... Patty Arreguin Tue, 08 May 2007 12:38:25 CDT http://cobrainsurance.com/help/questions/134/ Q: I am considering retirement at 63 & 1/2 years of age. I understand that I would be covered under Cobra until at age 65 when Medicare kicks in. My question has to do with my wife, who would be 6 ... Patty Arreguin Tue, 08 May 2007 13:22:55 CDT http://cobrainsurance.com/help/questions/139/ Q: My husband lost his job 6-7 months ago and at the time we did not sign up for COBRA. I have recently had a heart attack and we had no insurance and my doctor stated we could still sign up for ... Patty Arreguin Tue, 08 May 2007 17:53:50 CDT http://cobrainsurance.com/help/questions/141/ Q: My father works for a company with less than 20 employees. He found out last week that he has cancer and would be out on disability for a few months. When he notified his employer, they told hi ... Patty Arreguin Wed, 09 May 2007 13:27:35 CDT http://cobrainsurance.com/help/questions/145/ Q: I will be eligable for Medicare in 7 months. My COBRA 18 months has expired. Can I remain on COBRA for the next 7 months? A: Unfortunately, you can not remain on COBRA unless there is a new ... Patty Arreguin Fri, 11 May 2007 09:40:26 CDT http://cobrainsurance.com/help/questions/146/ Q: I had Cobra insurance for a month in March 2006. I cannot locate the policy number and would like to speak with someone about finding my policy information as I have a claim was made but never ... Patty Arreguin Fri, 11 May 2007 10:25:04 CDT http://cobrainsurance.com/help/questions/147/ Q: We are a small business, we were just dropped by Horizon BCBC of New Jersey. The reason, is that we spend more than 50% of our time outside of the state. Can we qualify for COBRA coverage?A: ... Patty Arreguin Tue, 23 Oct 2007 15:12:14 CDT http://cobrainsurance.com/help/questions/148/ Q: Is there minimum length of employment required to qualify for COBRA? Let's say you were working for less than a year, can you still qualify upon termination?A: As long as you have obtained h ... Patty Arreguin Fri, 11 May 2007 11:16:02 CDT http://cobrainsurance.com/help/questions/149/ Q: If I leave my current employer my insurance coverage will remain until May 31st. I would like to get COBRA coverage as of June 1st. to not have any gaps in coverage. How would I go about getti ... Patty Arreguin Fri, 11 May 2007 11:43:05 CDT http://cobrainsurance.com/help/questions/150/ Q: I am trying to determine the exact dates of coverage I had with COBRA sometime during the 2005. Where do I get this information?A: You will need to contact your previous employer, where you i ... Patty Arreguin Fri, 11 May 2007 12:53:46 CDT http://cobrainsurance.com/help/questions/151/ Q: How long do you need to be covered by your company's insurance plan before you can be eligible for Cobra if you leave? For example, if my company's insurance kicks in on May 15th and I resign o ... Patty Arreguin Fri, 11 May 2007 16:12:12 CDT http://cobrainsurance.com/help/questions/152/ Q: I have recently quit my current job and have received my cobra paperwork. Since I have a pre-exsiting condition I need to continue my insurance through my previous employer until I pass my 60 d ... Patty Arreguin Fri, 11 May 2007 16:48:35 CDT http://cobrainsurance.com/help/questions/153/ Q: I currently have COBRA, if I want to drop it and go to a different policy can I do that, or do I have to wait the full 18 months?A: You can cancel your COBRA coverage when you obtain other ins ... Patty Arreguin Fri, 11 May 2007 17:52:06 CDT http://cobrainsurance.com/help/questions/154/ Q: I just moved from California to Minnesota. I have cobra insurance, I am looking for a doctor but I do not find one provided on the web page for this area. A: COBRA is the same plan that you had ... Patty Arreguin Mon, 14 May 2007 11:11:09 CDT http://cobrainsurance.com/help/questions/155/ Q: I left my previous employer and enrolled in COBRA for myself and my husband. I now have a new job which offers health benefits to me only. Can I stop COBRA for myself, but continue it for my ... Patty Arreguin Sat, 30 Jun 2007 16:08:44 CDT http://cobrainsurance.com/help/questions/157/ Q: I have been diagnosed with a serious cancer and cannot work for the forseeable future. My employer has told me that they will have to terminate my employment within the next 30 days. I understa ... Patty Arreguin Mon, 14 May 2007 12:35:41 CDT http://cobrainsurance.com/help/questions/170/ Q: I am 66 years old and have full medicare coverage, as well as, company insurance where I work. My wife is only 64 years old and not on medicare but is included on my company insurance. I plan t ... Patty Arreguin Thu, 14 Jun 2007 17:45:43 CDT http://cobrainsurance.com/help/questions/177/ Q: What happens from the day you leave your job until the COBRA info arrives? Would I be covered? Do you lose your coverage the day you leave?A: As soon as you sign up for COBRA (before your d ... Patty Arreguin Mon, 21 May 2007 17:49:48 CDT http://cobrainsurance.com/help/questions/178/ Q: My husband is a full time employee for a company but due to a surgery has been placed on FMLA. His employer is now telling him that he will be placed on the COBRA plan. He was told he would b ... Patty Arreguin Tue, 22 May 2007 13:15:17 CDT http://cobrainsurance.com/help/questions/179/ Q: I am going to be employed with a company that offers full company paid medical insurance. The only problem is that they do not offer a dental plan. Can I get only dental plan thru COBRA? Or do ... Patty Arreguin Tue, 22 May 2007 17:01:06 CDT http://cobrainsurance.com/help/questions/180/ Q: My student family health plan is ending in August and is it possible to get COBRA coverage until my employer gets me coverage?A: COBRA covers group health plans offered by employers (private-s ... Patty Arreguin Tue, 22 May 2007 17:30:07 CDT http://cobrainsurance.com/help/questions/182/ Q: I mailed my form and check last Saturday to begin coverage for May. When does my coverage begin?A: When your election form and payment is received by your previous employer (or their 3rd part ... Patty Arreguin Wed, 23 May 2007 11:17:14 CDT http://cobrainsurance.com/help/questions/185/ Q: Can the company that I had previously worked for increase my payments to them? I worked for the company for 12 years ...is 18 months the maximumA: Your previous employer has no control over ... Patty Arreguin Thu, 24 May 2007 13:26:53 CDT http://cobrainsurance.com/help/questions/186/ Q: Our daughter will be graduatng from College and will come off our insurance. She has had Thyroid cancer and is on synthroid medication 200mg for life. What options should we look at for her un ... Patty Arreguin Thu, 24 May 2007 15:14:25 CDT http://cobrainsurance.com/help/questions/194/ Q: Can a doctor who is in my network refuse to accept my coverage because it is COBRA?A: COBRA is the same plan that you had with your previous employer. As long as the doctor is in your previou ... Patty Arreguin Fri, 25 May 2007 12:30:25 CDT http://cobrainsurance.com/help/questions/843/ Q: I was terminated from my job. I was on a leave of absence and it was not approved. They will not let me roll over to COBRA they told me to get State asst. I am Kidney Transplant Recpt....wha ... Patty Arreguin Thu, 24 Jan 2008 14:53:18 CST http://cobrainsurance.com/help/questions/201/ A: I am retired Army....my son's insurance coverage under my military insurance will terminate on his 23rd birthday as he has been a student in college. He is not yet employed. Will my son be eli ... Patty Arreguin Thu, 31 May 2007 12:56:59 CDT http://cobrainsurance.com/help/questions/202/ Q: My finance will be added to my insurance with my Employer after we get married. How do we terminate the coverage with COBRA and what paperwork is needed to achieve this step?A: You can cancel ... Patty Arreguin Thu, 31 May 2007 13:10:23 CDT http://cobrainsurance.com/help/questions/204/ Q: I was laid off but have medicare canI take cobra for my wife and 19 year old daughter who is a full-time college student? I was told that I would need to take cobra also.A: Once you are enti ... Patty Arreguin Fri, 01 Jun 2007 14:35:13 CDT http://cobrainsurance.com/help/questions/209/ Q: I was just wondering if COBRA will cover my worker's comp related medical bills or if it will deny them, either because they are a work related injury or because they may be considered a pre-ex ... Patty Arreguin Wed, 06 Jun 2007 12:35:24 CDT http://cobrainsurance.com/help/questions/211/ Q: What exactly does COBRA cover?A: COBRA is a continuation of your previous employer's group health policy. COBRA continuation must provide you with the same coverages, same benefits that you ... Patty Arreguin Wed, 06 Jun 2007 16:33:23 CDT http://cobrainsurance.com/help/questions/213/ Q: Are unmarried domestic partners eligible for COBRA coverage if they are covered under a group health insurance plan? Thank you. A: . Domestic partners are NOT defined as a Qualified Beneficia ... Patty Arreguin Thu, 06 Mar 2008 12:26:13 CST http://cobrainsurance.com/help/questions/215/ Q: A man and his wife elects Cobra coverage upon his employment termination. The Cobra term is 18 months. During the 15th month of Cobra coverage, he becomes eligible, and enrolls with Medicare. ... Patty Arreguin Wed, 06 Jun 2007 17:30:24 CDT http://cobrainsurance.com/help/questions/216/ Q: I am trying to fill out a Cobra form to get a continuation of Group Health overage that I was previously covered under through my father. I have some questions about filling out the form. How c ... Patty Arreguin Wed, 06 Jun 2007 17:36:10 CDT http://cobrainsurance.com/help/questions/217/ Q: Do I have to take a physical examination before I can get COBRA? A: Your employer's plan can not make you take an exam before they enroll you in COBRA. Also they can not deny you or exclude ... Patty Arreguin Wed, 06 Jun 2007 17:52:08 CDT http://cobrainsurance.com/help/questions/218/ Q: I am going through a divorce in Texas and plan to move to Colorado following the divorce. I am presently covered under my husband's medical plan in Texas. Will COBRA follow me out of state to C ... Patty Arreguin Thu, 07 Jun 2007 10:17:32 CDT http://cobrainsurance.com/help/questions/219/ Q: If your employer has an insurance plan that is self-funded or self-insured. How is cobra costs determind when an employee leaves or is released of there position?A: The cost for COBRA can be d ... Patty Arreguin Thu, 07 Jun 2007 12:01:37 CDT http://cobrainsurance.com/help/questions/222/ Q: I am currently covered under my companies group healthplan, which is not COBRA. I am intenting on leaving in about 2 months and will have about a 2-3 month period of no coverage. My company of ... Patty Arreguin Thu, 07 Jun 2007 16:11:37 CDT http://cobrainsurance.com/help/questions/223/ Q: I was told by my company that you must be 55 years of age or older to be qualify for COBRA coverage. Is this a true statement?A: The age of the employee is not a factor to qualify for COBRA. ... Patty Arreguin Thu, 07 Jun 2007 16:53:42 CDT http://cobrainsurance.com/help/questions/229/ Q: Can I get Cobra insurance if I leave the job I have now but go to work for another company without benefits? And for how long?A: As long as your employer has more than 20 employees you can ... Patty Arreguin Tue, 12 Jun 2007 11:13:27 CDT http://cobrainsurance.com/help/questions/230/ Q: If somebody misses a a payment period including the grace period and their coverage is cancelled, is there a way to get COBRA reinstated? A: Payments that are made after the 30 day grace peri ... Patty Arreguin Tue, 12 Jun 2007 11:58:05 CDT http://cobrainsurance.com/help/questions/231/ Q: I am covered under insurance by my parents due to my status as a student, but my daughter is not covered. Is there an insurance plan that will cover children only offered by COBRA?A: The grand ... Patty Arreguin Tue, 12 Jun 2007 13:05:20 CDT http://cobrainsurance.com/help/questions/233/ Q: I have received a job offer I am greatly interested in, but the new company does not provide insurance. I currently have insurance with my present job. I have almost cleared two years since be ... Patty Arreguin Wed, 13 Jun 2007 11:00:18 CDT http://cobrainsurance.com/help/questions/234/ Q: My husband recently underwent a career change (approximately 4 months ago) and immediately signed up to his new employer's group medical coverage in which they pay the entire monthly premium. ... Patty Arreguin Wed, 13 Jun 2007 11:09:03 CDT http://cobrainsurance.com/help/questions/235/ Q: If I am enrolled in Medical and Dental Benefits under COBRA and later become entitled to Medicare I know that I must drop my medical coverage under COBRA, but can I retain my dental coverage un ... Patty Arreguin Wed, 13 Jun 2007 12:34:52 CDT http://cobrainsurance.com/help/questions/236/ Q: Is there a pre existing clause with COBRA? A: There is no pre-existing condition clause for COBRA continuation. If you elect COBRA you are actually continuing the same group health insurance ... Patty Arreguin Wed, 13 Jun 2007 12:44:08 CDT http://cobrainsurance.com/help/questions/237/ Q: I had health insurance through my empoyer. That coverage expired when my contract ended. I was told by my employer I could extend my coverage with COBRA but am unsure of how to find out more ab ... Patty Arreguin Thu, 14 Jun 2007 09:51:05 CDT http://cobrainsurance.com/help/questions/238/ Q: My employment with a previous employer ended 12/31/2005. The employer continued to provide benefits, including medical coverage, to me thru 3/31/2006. Cobra started 4/1/2006. The 18 months cov ... Patty Arreguin Thu, 14 Jun 2007 09:54:37 CDT http://cobrainsurance.com/help/questions/239/ Q: How do I pay for treatment and prescription drugs while waiting for the invitation to elect COBRA (can take up to 45 days)? My service provider was informed that my group health coverage was t ... Patty Arreguin Wed, 23 Jan 2008 15:29:17 CST http://cobrainsurance.com/help/questions/240/ Q: My wife is permanently disabled and eligible for Medicare, but declined Medicare in favor of my group health insurance. I've been laid off and have to go on COBRA. Can my wife go on COBRA wit ... Patty Arreguin Thu, 14 Jun 2007 11:08:27 CDT http://cobrainsurance.com/help/questions/241/ Q: If someone is eligible for the 11-month disability extension, which plans can they continue? I know they can continue their Medical plan, but does the 11-month extension also apply to Dental a ... Patty Arreguin Thu, 14 Jun 2007 11:39:13 CDT http://cobrainsurance.com/help/questions/838/ Q: I am changing jobs and will begetting insurance through my new employer with-in a few weeks. I will need to get 3 prescriptions re-filled before the new insurance starts. What can I do to ... Patty Arreguin Wed, 23 Jan 2008 16:38:36 CST http://cobrainsurance.com/help/questions/242/ Q: I am changing jobs and my employer does offer COBRA, I know it will be expensive, I see on your website that there are COBRA alternatives, when I am eligible for my new insurance in 90 days, w ... Patty Arreguin Thu, 14 Jun 2007 15:00:31 CDT http://cobrainsurance.com/help/questions/243/ Q: An employee quits a job on June 5. He had worked on June 1 and June 4. Does his coverage start on the first of June, or does it start on the first of July?A: COBRA will begin the day after th ... Patty Arreguin Fri, 15 Jun 2007 16:14:27 CDT http://cobrainsurance.com/help/questions/245/ Q: My job terminated and I applied for COBRA as soon as I became eligible based on the termination event. My understanding is that my COBRA coverage is available for 18 months. My question: Is it ... Patty Arreguin Tue, 19 Jun 2007 13:59:15 CDT http://cobrainsurance.com/help/questions/246/ Q: I will need Cobra because I"ll be leaving my current job and moving to a different state. I will be without work for a few months and wanted to know if moving to a different state will affect m ... Patty Arreguin Fri, 15 Jun 2007 17:50:53 CDT http://cobrainsurance.com/help/questions/247/ Q: I have a question regarding COBRA coverage.I work for company a in Michigan, and if I leave this company and move to IL, then would I be covered and if my wife is pregnant will she be covered. ... Patty Arreguin Mon, 18 Jun 2007 12:46:12 CDT http://cobrainsurance.com/help/questions/248/ Q: My client has inquired about an annual 3% premium rate cap for cobra . Everything I'm reading tells me there wouldn't be any type of premium cap enforced because the cost of healthcare continue ... Patty Arreguin Tue, 19 Jun 2007 13:56:23 CDT http://cobrainsurance.com/help/questions/249/ Q: Are my prescriptions covered under COBRA?A: Yes. The COBRA law allows you and your beneficiaries to continue on the exact same coverage that you had with the group health plan. Group healt ... Patty Arreguin Mon, 18 Jun 2007 17:41:14 CDT http://cobrainsurance.com/help/questions/250/ Q: My husband has switched jobs and we are currently paying COBRA benefits. He is eligible for insurance under his new company . I am 7 months pregnant and are wondering what my rights with COBRA ... Patty Arreguin Tue, 19 Jun 2007 14:08:15 CDT http://cobrainsurance.com/help/questions/253/ Q: I have signed up for cobra and have made payements. Will I be reciving a new insurance card or do I still use my old one? A: Since COBRA is a continuation of your previous employer's group he ... Patty Arreguin Tue, 07 Aug 2007 17:35:45 CDT http://cobrainsurance.com/help/questions/254/ Q: Why would a Cobra insurer request info about whether or not I, my spouse, and/or dependents had coverage under another health plan since the date Cobra coverage started? (which was several mon ... Patty Arreguin Wed, 20 Jun 2007 11:43:47 CDT http://cobrainsurance.com/help/questions/255/ Q: I resigned from my job and I thought my former employer was to send Cobra information to me. Do they have anything to do with Cobra? Or am I on my own?A: COBRA is a continuation of your forme ... Patty Arreguin Wed, 20 Jun 2007 11:57:03 CDT http://cobrainsurance.com/help/questions/256/ Q: I resigned from my job. I now have a temporary per diem position. This company does offer insurance if I want it. Am I still eligible for Cobra?A: If your previous employer has more than 20 e ... Patty Arreguin Wed, 20 Jun 2007 12:24:17 CDT http://cobrainsurance.com/help/questions/264/ Q: I was recently offered a new job in my field of study. The down side to it is that I will not be receiving health insurance. I am scheduled to have surgery 2 weeks after my start date at my ... Patty Arreguin Wed, 20 Jun 2007 16:59:04 CDT http://cobrainsurance.com/help/questions/266/ Q: My husband worked for a municipality and we purchased the coverage for 2 months after he left the city were he was employed. It has been 2 months since we purchased the coverage (did not send ... Patty Arreguin Wed, 20 Jun 2007 17:46:45 CDT http://cobrainsurance.com/help/questions/267/ Q: My old employer offered COBRA on my health insurance but not on my life (100% company paid), dental (offered a plan but was 100% employee covered). Is this legal?A: COBRA is a continuation of ... Patty Arreguin Thu, 11 Oct 2007 17:05:30 CDT http://cobrainsurance.com/help/questions/269/ Q: I terminated my employment and have rehired with another company. I have about 25 days before my new coverage takes place. My past employer has not yet sent me any Cobra info even after me con ... Patty Arreguin Thu, 21 Jun 2007 15:41:58 CDT http://cobrainsurance.com/help/questions/270/ Q: Can I use COBRA more than once?A: COBRA continuation for up to 18 months (some situations a dependent can continue for up to 36 months) is available each time you leave an employer and you meet ... Patty Arreguin Fri, 22 Jun 2007 11:02:11 CDT http://cobrainsurance.com/help/questions/271/ Q: My husband & I (spouse) had coverage through his employer and he was recently terminated from his position. I have coverage available through my work but that coverage does not cover a procedur ... Patty Arreguin Fri, 22 Jun 2007 11:24:00 CDT http://cobrainsurance.com/help/questions/272/ Q: My question is that my wife is currently pregnant will we be covered under COBRA or is that a preexisting condition not covered? What if I find a job before the baby is born, but my new employ ... Patty Arreguin Fri, 22 Jun 2007 12:20:27 CDT http://cobrainsurance.com/help/questions/274/ Q: I am leaving one school system to go to another, so will go off one system and then be picked up by another. What is my best course of action? especially if I have pre-existing care that migh ... Patty Arreguin Fri, 22 Jun 2007 15:17:55 CDT http://cobrainsurance.com/help/questions/275/ Q: Is the COBRA plan administrator obligated by law to issue a monthly coupon? A: Your previous employer or plan administrator is not required by COBRA law to provide you with coupons or a mon ... Patty Arreguin Wed, 27 Jun 2007 17:55:18 CDT http://cobrainsurance.com/help/questions/276/ Q: I was told that if I do not go with COBRA insurance and enroll with an alternative insurance that I will lose my rights for new heath insurance under Federal law. What does that mean? A: ... Patty Arreguin Fri, 29 Jun 2007 09:30:03 CDT http://cobrainsurance.com/help/questions/277/ Q: With Cobra, will I be able to have prescription coverage through different pharmacies or will I have to continue to get my prescriptions where I go know?A: COBRA is a continuation of your pre ... Patty Arreguin Fri, 29 Jun 2007 14:26:57 CDT http://cobrainsurance.com/help/questions/278/ A: My husbands company pays for our family insurance. His insurance is the primary and pays 80% - my insurance through the state is our secondary and pays most of the remaining balances. My husba ... Patty Arreguin Fri, 29 Jun 2007 15:19:42 CDT http://cobrainsurance.com/help/questions/279/ Q: After termination of your employment, do you have to accept all of insurance benefits (Health, Dental & Vision) under COBRA? Currently my entire family my spouce and two children are on my heal ... Patty Arreguin Fri, 29 Jun 2007 17:43:36 CDT http://cobrainsurance.com/help/questions/280/ Q; If an individual is drawing benefits from Social Security, can they still acquire COBRA coverage?A: If an employee is collecting Social Security Benefits and is entitled to Medicare they will ... Patty Arreguin Sat, 30 Jun 2007 14:46:36 CDT http://cobrainsurance.com/help/questions/281/ Q: I am age 64 was caught off guard by a brain seizure and put on disability, a couple of years ago. My wife who is the same age has been working and I want her to retire and stay home and we wi ... Patty Arreguin Sat, 30 Jun 2007 15:19:57 CDT http://cobrainsurance.com/help/questions/282/ Q: The business sold & new buyer has offered new health plan. Does the employees have the option of electing cobra on the old plan or because they our offered a plan with a new carrier they don't ... Patty Arreguin Sat, 30 Jun 2007 16:05:03 CDT http://cobrainsurance.com/help/questions/283/ Q: Do I have to wait until my employer sends information about cobra coverage, or can I enroll online? Does the 45 days begin after separation?A: Your previous employer is required under COBRA f ... Patty Arreguin Sat, 30 Jun 2007 16:16:05 CDT http://cobrainsurance.com/help/questions/284/ Q: My Mom is thinking of retiring at the end of the year. She is 62 years old and would not be entitled to Medicare until she is 65. Her employer has 25 employees. We were recently told by a fa ... Patty Arreguin Mon, 02 Jul 2007 15:11:03 CDT http://cobrainsurance.com/help/questions/288/ Q: Someone told me that if I quit my job and my employer doesn't give me a notice saying I can receive COBRA then they would have to pay for medical bills that I have acquired since then. Is th ... Patty Arreguin Mon, 02 Jul 2007 15:20:09 CDT http://cobrainsurance.com/help/questions/285/ Q: I voluntarily left my job in March 2007 and have not yet received Cobra notification from my former employer. I did receive 90 days additional insurance coverage when I left and planned ... Patty Arreguin Sat, 30 Jun 2007 16:42:29 CDT http://cobrainsurance.com/help/questions/286/ Q: My employer offers 4 different health plans and I am currently on the best and most expensive plan. If I elect COBRA, can I decide to change plans,.i.e. go to one of the cheaper plans? Or am I ... Patty Arreguin Sat, 30 Jun 2007 17:35:42 CDT http://cobrainsurance.com/help/questions/287/ Q: What are my rights if my employer does not offer me COBRA within 45 days? There were over 20 employees within the company when it closed, but we have been told that since we were self-insured w ... Patty Arreguin Mon, 02 Jul 2007 14:15:51 CDT http://cobrainsurance.com/help/questions/289/ Q: My husband has group insurance through his employer that covers our family. My son, age 21 is a full-time student, but dropped a class without consulting us, so he is dropped from the insura ... Patty Arreguin Tue, 03 Jul 2007 11:36:05 CDT http://cobrainsurance.com/help/questions/290/ Q: After a person has been on COBRA and has his family on there as well, can he remove his dependants from COBRA but still remain on there as an individual?A: An employee with family coverage c ... Patty Arreguin Tue, 03 Jul 2007 13:20:01 CDT http://cobrainsurance.com/help/questions/291/ Q: Was my company suppose to offer me this insurance after I left, because the place I work now the personnel lady told me that they should have offered me this kind of insurance. I am asking yo ... Patty Arreguin Tue, 03 Jul 2007 16:04:21 CDT http://cobrainsurance.com/help/questions/292/ Q: My husband was laid off last week. How long are we covered under his former work insurance before we have to start paying for COBRA? I know his employer has 45 days to notify and we have 60 d ... Patty Arreguin Tue, 03 Jul 2007 17:46:22 CDT http://cobrainsurance.com/help/questions/293/ Q: I have an HMO plan with my employer. I’m moving to Texas from California. Will my COBRA monthly payments stay the same? A: If there are more than 20 employees at the job you ar ... Patty Arreguin Thu, 05 Jul 2007 12:58:00 CDT http://cobrainsurance.com/help/questions/294/ Q: An employer only has 8-9 employees, so they are not subject to COBRA continuation requirements, yet they have elected to provide these benefits to this one employee (and refer to the benefits ... Patty Arreguin Thu, 05 Jul 2007 16:18:28 CDT http://cobrainsurance.com/help/questions/295/ Q: My COBRA coverage has been a disaster, as the insurance provider and former employer can not agree about who is supposed to charge me for my benefits. My coverage has been dropped on 3 separa ... Patty Arreguin Thu, 05 Jul 2007 17:24:57 CDT http://cobrainsurance.com/help/questions/296/ Q: I left my old company on June 29th started with my new company on July 2nd I am leaving them to accept a new job that fits my needs. I would like to get cobra for just my 4mnth old daughter h ... Patty Arreguin Tue, 10 Jul 2007 11:37:47 CDT http://cobrainsurance.com/help/questions/297/ Q: I am currently 12 weeks pregnant with a so far uncomplicated pregnancy. I need cobra for two more weeks until I start a new job and just need it just in case. I have no appointments scheduled a ... Patty Arreguin Tue, 10 Jul 2007 12:32:15 CDT http://cobrainsurance.com/help/questions/298/ Q: Is it possible for me to apply for a PPO with Blue Shield and get off the COBRA health plan? I have heard that having a PPO is cheaper. Would I be able to maintain my dental and vision plan ... Patty Arreguin Tue, 10 Jul 2007 14:44:19 CDT