http://cobrainsurance.com/help en-us http://cobrainsurance.com/help ActiveKB NX admins@cobrainsurance.com Fri, 20 Nov 2009 22:34:26 EST 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 EST 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 EST 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EST 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 EST 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 EST 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 EDT 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 EST 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 EST 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 EDT 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 EST 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 EDT 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 EST 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 EST 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT http://cobrainsurance.com/help/questions/299/ Q: My Company is being bought on July 23rd and they said they would have our CORBA information by August 23rd. I am pregnant and due August 15th. I wanted to know what I tell the hospital and w ... Jenny H Tue, 10 Jul 2007 15:17:37 EDT 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 EDT http://cobrainsurance.com/help/questions/301/ Q: My 2 children were covered under their fathers (my ex husband) health insurance and he was laid off. My insurance with my job will be active in September but I would like to see if I can pay ... Jenny H Tue, 10 Jul 2007 16:47:17 EDT http://cobrainsurance.com/help/questions/303/ Q: My old employer sent me information on COBRA when I left. My new employer's medical coverage began on my hire-in date. However, dental did not and some of my family's dental was not covered ... Jenny H Wed, 11 Jul 2007 15:34:55 EDT http://cobrainsurance.com/help/questions/306/ Q: My cobra will expire at the end of December 2007. I am working, but am still not eligible for insurance where I work. I have been there a year. I need to know what to do to continue cobra for ... Jenny H Wed, 11 Jul 2007 16:15:30 EDT http://cobrainsurance.com/help/questions/307/ Q: What happens if my employer fails to send me the Cobra Info within 45 days after termination? Employer told me they do not send out Cobra info, that Cobra sends it to me. If I do not receive ... Jenny H Wed, 11 Jul 2007 16:30:00 EDT http://cobrainsurance.com/help/questions/308/ Q: My mom was just laid off from her job after 22 years. My dad is disabled and recieves disability and medicare. He was on my moms insurance from work. She has to get cobra now . Is my dad eligi ... Jenny H Wed, 11 Jul 2007 16:48:55 EDT http://cobrainsurance.com/help/questions/309/ Q: Hi, I never received my election form to let me know of the last day to sign up for Cobra coverage and pay my premium. What can I do to request an extension to pay my initial payment for con ... Jenny H Wed, 11 Jul 2007 17:01:25 EDT http://cobrainsurance.com/help/questions/349/ Q: I am in the military right now and will be getting out in Jan. 2008. I have Tri-Care insurance for my wife and son. What would be the cost and coverage considering I pay nothing at all for ... Jenny H Tue, 24 Jul 2007 14:53:16 EDT http://cobrainsurance.com/help/questions/350/ Q: I have been under COBRA with my previous employer. Premium runs from 15th each month. I cancel the COBRA on July 7th as I have received coverage with my current employer from July 1st. Quest ... Jenny H Tue, 24 Jul 2007 15:23:10 EDT http://cobrainsurance.com/help/questions/352/ Q: I am 69 years old and have Medicare Part A. I cannot sign up for Medicare Part B until Jan. 2008 and the Part B will become effective July 2008. My job was eliminated in March of 2006 and I am ... Jenny H Tue, 24 Jul 2007 15:52:34 EDT http://cobrainsurance.com/help/questions/353/ Q: I was laid off from my employer on April 12. I elected to take COBRA for my family. I sent in the paperwork and was waiting for a bill for my first months premium. On July 16th I contacted my ... Jenny H Tue, 24 Jul 2007 16:57:27 EDT http://cobrainsurance.com/help/questions/354/ Q: I chagned jobs in June. My health insurance continued through the end of June. I was told by HR that I had 60 days from the time my health insurance stopped to decide whether to enroll in COBR ... Jenny H Tue, 24 Jul 2007 17:20:02 EDT http://cobrainsurance.com/help/questions/355/ Q: I was on Cobra insurance after my husbands death in 2001. I need a copy of the Cobra notice that I received. How can I get this information?A: If you need access to any COBRA information, y ... Jenny H Fri, 27 Jul 2007 17:31:02 EDT http://cobrainsurance.com/help/questions/356/ Q: Never being offered cobra , I had a lapse in coverage.Is anyone at fault? I feel like my company abandoned me as well as the health insurance. They provided me with no offer to apply for cobra ... Jenny H Fri, 27 Jul 2007 17:37:08 EDT http://cobrainsurance.com/help/questions/368/ Q: My divorce recently became final. My ex-husband is ordered to pay for my COBRA coverage through his employer. Should this be taking this long? I am worried. Right now I do not have any insura ... Jenny H Thu, 02 Aug 2007 14:45:19 EDT http://cobrainsurance.com/help/questions/369/ Q: I got fired yesterday, what do I need to do to get Cobra? A: If your past employer has more than 20 employee's than they are obligated by the federal law to offer you a continuation of the s ... Jenny H Thu, 02 Aug 2007 14:54:15 EDT http://cobrainsurance.com/help/questions/371/ Q: I elected to take COBRA coverage and paid my invoice which has cleared in my bank account. The insurance company says they have not been informed by COBRA that I have paid so they cannot re ... Jenny H Thu, 02 Aug 2007 15:06:14 EDT http://cobrainsurance.com/help/questions/373/ Q: Do you offer any plans that cover insulin and doctor visits for customers with diabetes? If so, what is the cost and how long is the term for?A: COBRA would be a continuation of an employer's ... Jenny H Thu, 02 Aug 2007 15:54:00 EDT http://cobrainsurance.com/help/questions/374/ Q: Hi there I have Anthem insurance and my job ends on Sept 30. I plan on having surgery before than, but just incase I have to wait until Oct will cobra cover my gastric bypass surgery if i ... Jenny H Thu, 02 Aug 2007 16:12:05 EDT http://cobrainsurance.com/help/questions/376/ Q: My stepdaughter has become ineligible, due to her age of 23, for coverage under my companies group plan. Is she eligible to have my flex spending account attached to her Cobra account?A: 125 ... Jenny H Thu, 02 Aug 2007 16:23:44 EDT http://cobrainsurance.com/help/questions/379/ Q: Who do I make my Cobra payment to: my old employer, the insurance company or cobra?A: If your past employer has hired a third party administrator, than generally, you will be making payment ... Jenny H Fri, 03 Aug 2007 15:18:09 EDT http://cobrainsurance.com/help/questions/381/ Q: I work for a church organization (with benefits) and will begin working for the same church organization, but in a different position (without benefits) at a different location. They say I m ... Jenny H Fri, 03 Aug 2007 15:28:42 EDT http://cobrainsurance.com/help/questions/382/ 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 a ... Jenny H Fri, 03 Aug 2007 16:27:05 EDT http://cobrainsurance.com/help/questions/383/ Q: My husband was fired, but then he offered to quit. However, we never heard ANYTHING from them about cobra and when we asked, we were told that he just wasn't eligible. It seems to me that we ... Jenny H Fri, 03 Aug 2007 17:10:10 EDT http://cobrainsurance.com/help/questions/410/ Q: I AM LEAVING MY JOB AS A CONTRACTED EMPLOYEE TO A CITY EMPLOYEE , AND I HAVE SURGERY ON SEPTEMBER 10TH. MY INSURANCE AS A CONTRACTED EMPLOYEE ENDS THE END OF AUGUST, AND THE NEW INSURENCE DOE ... Jenny H Mon, 27 Aug 2007 17:26:17 EDT http://cobrainsurance.com/help/questions/411/ Q: I AM LEAVING MY JOB AS A CONTRACTED EMPLOYEE TO A CITY EMPLOYEE , AND I HAVE SURGERY ON SEPTEMBER 10TH. MY INSURANCE AS A CONTRACTED EMPLOYEE ENDS THE END OF AUGUST, AND THE NEW INSURENCE DOE ... Jenny H Mon, 27 Aug 2007 17:26:45 EDT http://cobrainsurance.com/help/questions/424/ Q: I had A Healthcare plan from my company till February 2007.Later I switched to COBRA. Every month I'm paying $1165 towards the premium. But my doctor bills are not paid by Health Care Compa ... Jenny H Thu, 30 Aug 2007 23:07:55 EDT http://cobrainsurance.com/help/questions/425/ Q: I wanted to get an idea of what my cobra would cost~ Can you touch base with me? Thanks ~A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that ... Jenny H Thu, 30 Aug 2007 23:12:33 EDT http://cobrainsurance.com/help/questions/427/ Q: I recently added my newborn son to my COBRA insurance policy. After speaking to a representative they informed me that under COBRA the additional premium amount for my son does not get pror ... Jenny H Thu, 30 Aug 2007 23:33:19 EDT http://cobrainsurance.com/help/questions/428/ Q: I have quit working and would like some information mailed regarding the COBRA coverage. I have always had coverage at my place of employment and now find I need to purchase my own individu ... Jenny H Thu, 30 Aug 2007 23:47:03 EDT http://cobrainsurance.com/help/questions/429/ Q: We are covered under the Florida Health Care Plan - We hope to move to SC early next year - Would we be eligible for coverage under Cobra as our present insurance Florida Health Care - We ar ... Jenny H Tue, 04 Sep 2007 12:43:13 EDT http://cobrainsurance.com/help/questions/430/ Q: If an insurance plan states that coverage is provided "between the ages of 18 and 23", does this include the age of 23? A: Each insurance company has there own rules and stipulations regard ... Jenny H Tue, 04 Sep 2007 12:49:02 EDT http://cobrainsurance.com/help/questions/431/ Q: An employee has used all of her FMLA and has requested a leave of absence, which has been granted. According to policy, if on an unpaid leave of absence (all accrued vacation and sick time h ... Jenny H Tue, 04 Sep 2007 12:56:46 EDT http://cobrainsurance.com/help/questions/432/ Q: We had COBRA for the last three months of 2003. My husband's former employer will not assist us in finding those records, can you? Thank you.A: Legally you can request a certificate of credi ... Jenny H Tue, 04 Sep 2007 13:03:39 EDT http://cobrainsurance.com/help/questions/433/ Q: Hello, I am planning on changing my job and I will not be covered under the new insurance at the new company for 30 days. My current company has less than 20 people working and I am not sure ... Jenny H Tue, 04 Sep 2007 14:19:45 EDT http://cobrainsurance.com/help/questions/434/ Q: I was wondering if you could tell us what may be best (financially) to choose based on our situation. My husband will be changing jobs soon, going to a company that still has to set up their ... Jenny H Tue, 04 Sep 2007 14:27:48 EDT http://cobrainsurance.com/help/questions/435/ Q: I am a state of RI worker and I have waived my health insurance because my husband is also a State of RI employee. I am 59 yrs old and I am retiring in Dec, 2007. I am covered under my husband ... Jenny H Tue, 04 Sep 2007 14:32:48 EDT http://cobrainsurance.com/help/questions/436/ .Q: Hi, I recently got new insurance through a new employer, so I canceled my COBRA through my old work. It turns out that my new insurance is not as good and what I had through COBRA. Is there ... Jenny H Tue, 04 Sep 2007 14:38:28 EDT http://cobrainsurance.com/help/questions/437/ .Q: Hi, I recently got new insurance through a new employer, so I canceled my COBRA through my old work. It turns out that my new insurance is not as good and what I had through COBRA. Is there ... Jenny H Tue, 04 Sep 2007 14:40:00 EDT http://cobrainsurance.com/help/questions/438/ .Q: Hi, I recently got new insurance through a new employer, so I canceled my COBRA through my old work. It turns out that my new insurance is not as good and what I had through COBRA. Is there ... Jenny H Tue, 04 Sep 2007 14:40:00 EDT http://cobrainsurance.com/help/questions/439/ Q: I have cobra thru my former employer since February 2007 (now I am self employed). My insurance expires in July 2008. My question is, if I get pregnant in the middle of my coverage, before i ... Jenny H Tue, 04 Sep 2007 14:47:08 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT http://cobrainsurance.com/help/questions/190/ Q: I recently began work as a consultant. I left a job that provided health insurance. What is my plan of action in acquiring Cobra Ins.?A: Your employer is required by law to offer you the conti ... Patty Arreguin Tue, 22 Jul 2008 11:38:27 EDT 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 EDT 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 EST 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 EDT 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 EDT http://cobrainsurance.com/help/questions/203/ Q: My husband just quit his job as a plumber in the union and is going to a non-union employment in the same field. He does not get medical coverage for 30 days at his new job, is it right that h ... Patty Arreguin Thu, 31 May 2007 16:43:37 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EST 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT 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 EDT http://cobrainsurance.com/help/questions/305/ Q: My COBRA coverage ends in January,2008. My Medicare coverage begins in October 2008. I am collecting Social Security disability. I requested the 11 month COBRA extension, but was denied becaus ... Patty Arreguin Wed, 05 Mar 2008 12:16:34 EST http://cobrainsurance.com/help/questions/310/ Q: I took an early retirement from my company; I have Cobra insurance for 18 months for dental and vision. Does Cobra pay anything on Lasik surgery?A: COBRA is a continuation of the same insuranc ... Patty Arreguin Thu, 12 Jul 2007 15:28:43 EDT http://cobrainsurance.com/help/questions/311/ Q: I am currently employed but my company might be closing. If I stay with the company until they have to close it, can I get cobra benefits? A: If an employer closes their doors and no longe ... Patty Arreguin Fri, 07 Mar 2008 14:08:14 EST http://cobrainsurance.com/help/questions/312/ Q: I just found out that my husband's employer actually terminated our policy 2 days after his termination of employment. We have outstanding medical bills & claims for outpatient surgeries & of ... Patty Arreguin Fri, 13 Jul 2007 14:21:24 EDT http://cobrainsurance.com/help/questions/313/ Q: I have moved. I am currently insured under Cobra. I have called my old job to change my address- as told to do by a Cobra employee. But, I have not received my statement at my new address, ... Patty Arreguin Fri, 13 Jul 2007 17:49:23 EDT http://cobrainsurance.com/help/questions/314/ Q: I was wondering what the out of pocket expense is going to be for Cobra insurance?A: COBRA is a continuation of your employer’s group health policy. It is the same benefits and cover ... Patty Arreguin Tue, 17 Jul 2007 11:11:08 EDT http://cobrainsurance.com/help/questions/315/ Q: My employer is providing cobra for me, however, I have been told in September they are going to switch insurance. In an effort to hopefully bump me off. Can they do that? A: Under COBRA fed ... Patty Arreguin Tue, 17 Jul 2007 11:25:11 EDT http://cobrainsurance.com/help/questions/316/ Q: I have been retired now for over a month and have not received requested paper work to continue my health care coverage what do I need to do?A: Your employer legally has up to 45 days to ge ... Patty Arreguin Tue, 17 Jul 2007 11:37:37 EDT http://cobrainsurance.com/help/questions/317/ Q: How can I confirm my COBRA is active?A: You can contact your previous employer's Benefits Manager in the HR Department or their plan administrator for status of your COBRA continuation. You ... Patty Arreguin Wed, 18 Jul 2007 13:15:15 EDT http://cobrainsurance.com/help/questions/318/ Q: Can you tell me if there is a law that gives the insured the opportunity to renew the existing coverage with the same company until Medicare (3 more years), regardless of medical condition an ... Patty Arreguin Wed, 18 Jul 2007 15:33:10 EDT http://cobrainsurance.com/help/questions/319/ Q: Can I continue Cobra as my primary carrier even though I've also been added to my husband's insurance? I'm pregnant and I know that my Cobra is only going to pay so much of my maternity ca ... Patty Arreguin Wed, 10 Oct 2007 17:45:18 EDT http://cobrainsurance.com/help/questions/320/ Q: My husband’s employer will not send me a form for cobra insurance. What can I do to get cobra coverage? I am 62 1/2 years old. Is his employer supposed to send me a form for Cobra? Can ... Patty Arreguin Wed, 18 Jul 2007 16:29:38 EDT http://cobrainsurance.com/help/questions/321/ Q: I graduated college and I was taken off my parent’s insurance. I didn’t sign up for COBRA but I had an emergency 15 days later and spent 3 days in the hospital. The bill was $ ... Patty Arreguin Wed, 18 Jul 2007 16:38:09 EDT http://cobrainsurance.com/help/questions/322/ Q: I am going to leave the company that I am with, which currently has 24 employees. If I elect COBRA coverage when I resign, already have it in place and more individuals leave (dropping the t ... Patty Arreguin Wed, 18 Jul 2007 17:09:21 EDT http://cobrainsurance.com/help/questions/323/ Q: My wife and I were both covered by a group health care plan and dental plan before I was laid off due to lack of project work. I am on Medicare but my wife's health care and both of our denta ... Patty Arreguin Wed, 18 Jul 2007 17:19:53 EDT http://cobrainsurance.com/help/questions/324/ Q: Does my employer have a legal responsibility to provide me with the COBRA information? A: Your past employer may hire a third party administrator that will be sending you your pape ... Patty Arreguin Thu, 19 Jul 2007 11:38:49 EDT http://cobrainsurance.com/help/questions/325/ Q: If I am laid off and my company is less than 10 people, is my employer required to offer Cobra? A: Most employers that do offer group health plans are required to comply with COBRA ... Patty Arreguin Thu, 15 Nov 2007 15:24:49 EST http://cobrainsurance.com/help/questions/326/ Q: If an employee has family coverage and then he and his wife get a divorce, I know that the wife receives coverage under COBRA. For how long? 36 months? Then, what if she has children from a pre ... Patty Arreguin Thu, 19 Jul 2007 15:41:02 EDT http://cobrainsurance.com/help/questions/328/ Q: Does the 36 months of coverage start at legal separation, or at time of actual divorce? A: The spouse is considered a qualified beneficiary at the time of a qualifying event. Divorce an ... Patty Arreguin Thu, 19 Jul 2007 16:57:53 EDT http://cobrainsurance.com/help/questions/330/ Q: I am a graduate student at the Univ. of Colorado and have student health insurance. I will graduate on 7/28/07 and will be looking for a job. I will not be a student anymore and will be movin ... Patty Arreguin Fri, 20 Jul 2007 10:09:11 EDT http://cobrainsurance.com/help/questions/331/ Q: Our insurance is through a union. My husband is required to work 250 hours in a quarter to qualify for insurance. For each hour that he works he pays a certain amount towards the next quarter ... Patty Arreguin Fri, 20 Jul 2007 10:50:18 EDT http://cobrainsurance.com/help/questions/332/ Q: Our mother, who is not eligible for Medicare, has been receiving health insurance benefits under one of her daughters as a dependent adult for the past four years. However, with her daughte ... Patty Arreguin Fri, 20 Jul 2007 11:45:33 EDT http://cobrainsurance.com/help/questions/333/ Q: My wife who was our primary health insurance provider was dismissed from her job in August 2005. She and I were both on her health plan prior to her dismissal. My wife’s employer cont ... Patty Arreguin Fri, 20 Jul 2007 14:49:01 EDT http://cobrainsurance.com/help/questions/334/ Q: Will COBRA cover my mom’s inpatient rehab in addition to costs of prescriptions, hospital visits, and other associated bills? A: COBRA is a continuation of your previous employer's ... Patty Arreguin Fri, 20 Jul 2007 14:42:08 EDT http://cobrainsurance.com/help/questions/335/ Q: I was terminated on 1/06/2006. I kept my dental insurance through Cobra. They are telling me that is will be terminated on 7/14/2007. I thought it would be in force through August. (18 Months ... Patty Arreguin Fri, 20 Jul 2007 15:25:06 EDT http://cobrainsurance.com/help/questions/336/ Q: My daughter has paid into COBRA since March, 2007. Her previous employer has changed insurance companies. She needs to get a new ID card to give to her doctor. She has not been able to get ... Patty Arreguin Fri, 20 Jul 2007 16:55:07 EDT http://cobrainsurance.com/help/questions/337/ Q: I got married last month and my wife, who is 6 months pregnant, was recently covered on her mom's insurance. We were notified yesterday that she had been dropped from her mother's plan and we ... Patty Arreguin Fri, 20 Jul 2007 17:47:44 EDT http://cobrainsurance.com/help/questions/338/ I will be coming off of my mothers health care plan in September and am currently qualified for COBRA 36 month coverage. If I was to get married before the termination date would I still be eligib ... Patty Arreguin Mon, 23 Jul 2007 10:07:16 EDT http://cobrainsurance.com/help/questions/339/ Q: I'm having problems with my card not being active.A: Since COBRA is a continuation of your previous employer's group health policy, you will be able to use the same ID cards. The "old" card w ... Patty Arreguin Mon, 23 Jul 2007 10:10:36 EDT http://cobrainsurance.com/help/questions/340/ Q: I am currently receiving cobra benefits (4 months) and am considering accepting another position. If that position does not work out am I eligible to go back to cobra benefits? If so would it ... Patty Arreguin Mon, 23 Jul 2007 16:54:23 EDT http://cobrainsurance.com/help/questions/341/ Q: I never received my cobra information when I left my job in March. What do I do to get this information and is it too late for eligibility at this point? A: If your previous employer has ... Patty Arreguin Mon, 23 Jul 2007 17:15:59 EDT http://cobrainsurance.com/help/questions/342/ Q: I was recently on Cobra after leaving a job (just ended cobra and was on it for a few months). I have also just joined my new employer's medical plan, but realized I will be going back to m ... Patty Arreguin Mon, 23 Jul 2007 17:39:33 EDT http://cobrainsurance.com/help/questions/343/ Q: I'm looking at changing jobs. If my company medical starts on Aug 1st how long do I have to wait before I would qualify for Cobra if I changed jobs?A: If your employer has more than 20 emplo ... Patty Arreguin Mon, 23 Jul 2007 17:50:20 EDT http://cobrainsurance.com/help/questions/344/ Q: I elected COBRA coverage when I lost my job last September. I paid the premiums on time through December. I quit making the payments in January because I could no longer afford them. I just w ... Patty Arreguin Tue, 24 Jul 2007 09:39:49 EDT http://cobrainsurance.com/help/questions/345/ . Q: I quit my job in Houston TX at the end of June and started with my new employer in California. . Am I eligible for COBRA? I saw a statement on your website explaining that if I moved, I migh ... Patty Arreguin Tue, 24 Jul 2007 11:02:52 EDT http://cobrainsurance.com/help/questions/346/ Q: I am going to quit my job next month and want to continue our group plan through COBRA. And my wife is due on the following week. I am told from my company that my current health insurance wi ... Patty Arreguin Tue, 24 Jul 2007 12:11:24 EDT http://cobrainsurance.com/help/questions/347/ Q: As of August 1, 2007 I will be in-between jobs and I will need medical coverage for the months of August and September. My last day with my current job is July 27th. I have HMO insurance with ... Patty Arreguin Tue, 24 Jul 2007 13:17:40 EDT http://cobrainsurance.com/help/questions/357/ Q: My husband had union insurance. He retired and the union wrote me a letter telling me I had insurance until I was 65. That would have been 2 years. Last year they changed the rules and wrote ... Patty Arreguin Wed, 01 Aug 2007 15:08:01 EDT http://cobrainsurance.com/help/questions/358/ Q: I recently received a letter form my plan administrator on July 24 2007 and it said the due to work hours reduction that my insurance policy ends July 22, 2007. I know cobra will pick up the ... Patty Arreguin Wed, 01 Aug 2007 15:20:35 EDT http://cobrainsurance.com/help/questions/359/ Q: I am currently on disability for about 8 months being treated for cancer. Not working, does that trigger a reduction in hours and COBRA Insurance? A: It would depend on your status as ... Patty Arreguin Mon, 17 Sep 2007 14:13:56 EDT http://cobrainsurance.com/help/questions/360/ Q: Can I retire at 63 yrs old and go on cobra from my job's insurance and stay on cobra until I collect Medicare at 65? I have copd and diabetes and it is difficult for me to work full time as I ... Patty Arreguin Wed, 01 Aug 2007 17:13:08 EDT http://cobrainsurance.com/help/questions/361/ Q: I anticipate eventually leaving my job and needing COBRA Insurance. If my husband is not insured currently under my employer's health insurance, can I add him to COBRA at the time or resignati ... Patty Arreguin Wed, 01 Aug 2007 17:50:29 EDT http://cobrainsurance.com/help/questions/362/ Q: If we sign up for COBRA, will I use the same medical card and mail away pharmacy we use now?A: Since COBRA is a continuation of your previous employer's group health policy, you will be able ... Patty Arreguin Wed, 01 Aug 2007 17:56:26 EDT http://cobrainsurance.com/help/questions/363/ Q: I added my spouse to insurance and before that two months back she was pregnant, we were not aware of that. Does COBRA covers this? A: COBRA is a continuation of your previous employer's group ... Patty Arreguin Thu, 02 Aug 2007 12:03:06 EDT http://cobrainsurance.com/help/questions/364/ Q: I was told that I would not be able to qualify for other insurance policies as long as I am eligible for Cobra. How long am I eligible for Cobra if I resigned? If I elect to choose Cobra, wil ... Patty Arreguin Thu, 02 Aug 2007 12:22:57 EDT http://cobrainsurance.com/help/questions/365/ Q: How can I determine what my COBRA premium would be if I quit my job?A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that you were on. Since, you ... Patty Arreguin Thu, 02 Aug 2007 12:47:11 EDT http://cobrainsurance.com/help/questions/366/ Q: Who notifies the employee about COBRA? I was not notified until after my insurance ran out. My former employers said it was the insurance's responsibility to notify me, but someone else said ... Patty Arreguin Wed, 03 Oct 2007 15:40:30 EDT http://cobrainsurance.com/help/questions/367/ Q: How do I make a payment online?A: Generally, the employer will process the monthly premiums payments they receive by mail in the form of check or money order, made payable to the employer. So ... Patty Arreguin Thu, 02 Aug 2007 14:34:23 EDT http://cobrainsurance.com/help/questions/370/ Q: What is the out-of-pocket for generic or brand name prescriptions? Are prescriptions subject to the plan deductible?A: COBRA is a continuation of your previous employers' group health plan incl ... Patty Arreguin Thu, 02 Aug 2007 15:00:10 EDT http://cobrainsurance.com/help/questions/372/ Q: I have been told that after the initial 18 months of Federal COBRA I have the option of going on California COBRA for another 18 months. If I move out of California within 36 months of going ... Patty Arreguin Mon, 17 Sep 2007 14:18:47 EDT http://cobrainsurance.com/help/questions/375/ Q: My husband of 10 years & I are getting divorced. I am 58 years old. How long am I covered under Cobra and how much will it cost after the first 3 years? A: The maximum amount of time a s ... Patty Arreguin Thu, 02 Aug 2007 16:22:21 EDT http://cobrainsurance.com/help/questions/377/ . Q: I can't seem to locate my copy of the Cobra Benefits I've been receiving. Might I have another copy sent to me? Also, I was wondering if anything had changed, since I recently received an R ... Patty Arreguin Thu, 02 Aug 2007 16:36:56 EDT http://cobrainsurance.com/help/questions/378/ Q: If a former employee dies during the qualifying period after termination, can the spouse or estate file for benefits on the decedents behalf?A: The employee's spouse and/or dependents will b ... Patty Arreguin Thu, 02 Aug 2007 17:57:15 EDT http://cobrainsurance.com/help/questions/380/ Q: I am a US citizen who worked in Canada for a year. I was covered under Ontario’s provincial health care system while I worked. Now that I am coming back to the States, am I eligible for ... Patty Arreguin Fri, 03 Aug 2007 15:24:00 EDT http://cobrainsurance.com/help/questions/384/ Q: If I change jobs during my wife's pregnancy and the new insurance will not cover the pregnancy, since she was already pregnant, can I still get COBRA to cover the costs of the pregnancy even ... Patty Arreguin Tue, 07 Aug 2007 11:50:48 EDT http://cobrainsurance.com/help/questions/386/ Q: I have Cobra through a job I had in Michigan, I have moved to another state and although my current job offers insurance, I want to continue my Cobra. Can I add some of the benefits I origina ... Patty Arreguin Wed, 08 Aug 2007 16:22:19 EDT http://cobrainsurance.com/help/questions/387/ Q: I am having surgery that will require my being out of work for 4 to 6 months. My employer says that I will have to go on COBRA coverage. Can't they continue me on their insurance and I pay them ... Patty Arreguin Wed, 08 Aug 2007 17:39:24 EDT http://cobrainsurance.com/help/questions/388/ Q: My husband is undergoing prostate cancer treatment, with Kaiser our Kaiser COBRA coverage ends nov.1st. I can get insurance with my new employer, but it is blue shield. Is there any way we c ... Patty Arreguin Thu, 09 Aug 2007 14:59:16 EDT http://cobrainsurance.com/help/questions/389/ Q: At the end of June I signed up for COBRA with my employer and paid them the first month's (July's) premium. I have heard nothing at all since then. I know I am currently covered, but when are ... Patty Arreguin Thu, 09 Aug 2007 12:51:40 EDT http://cobrainsurance.com/help/questions/390/ Q: My husband and I are moving out of California to Washington State in October. I am 4 1/2 months pregnant and would need COBRA for the duration of the pregnancy. Washington. Would I be able to ... Patty Arreguin Thu, 09 Aug 2007 13:11:10 EDT http://cobrainsurance.com/help/questions/391/ Q: I need to have an MRI and my insurance company requires a pre-certification for this procedure. They will not pre-certify the MRI until I pay the premium. I plan to pay it the end of this we ... Patty Arreguin Thu, 09 Aug 2007 14:56:04 EDT http://cobrainsurance.com/help/questions/392/ Q: On July 1, 2006, I voluntarily took early retirement from my employment and turned 62 on the 19th of that month. I applied for COBRA immediately and have been covered continuously since that ... Patty Arreguin Thu, 09 Aug 2007 15:08:32 EDT http://cobrainsurance.com/help/questions/393/ Q: My son age 27 can continue cobra for 10 more months. He will be enrolling in a university. With group coverage, however it is not as comprehensive as the current cobra coverage. Can he conti ... Patty Arreguin Thu, 09 Aug 2007 15:46:51 EDT http://cobrainsurance.com/help/questions/394/ Q: How long does a company have to get the COBRA information out to the employee?A: The employer has up to 45 days to mail you the COBRA packet from your last day of work or the last day of group ... Patty Arreguin Tue, 21 Aug 2007 09:56:23 EDT http://cobrainsurance.com/help/questions/395/ Q: I was the one employed with the insurance and left my job. we need to sign up for COBRA to have in force until my new insurance kicks in at my new job. Can my spouse only continue COBRA coverag ... Patty Arreguin Tue, 21 Aug 2007 10:06:17 EDT http://cobrainsurance.com/help/questions/396/ Q: My dad is working right now and has insurance through his employer for himself and my mom. But he is thinking of retiring and will be eligible for Medicare but my mom is not. She is 60 years o ... Patty Arreguin Tue, 21 Aug 2007 11:20:47 EDT http://cobrainsurance.com/help/questions/397/ Q: If an employer has a 90 waiting period before benefits begin, then after that 90 day period you begin to receive benefits, is there a minimum amount of time you must be a part of that benefi ... Patty Arreguin Tue, 19 Feb 2008 17:17:37 EST http://cobrainsurance.com/help/questions/398/ Q: Can the employer raise the monthly cost of COBRA premiums significantly - even though we have a signed contract that states differently - without giving us any sort of notification whatsoev ... Patty Arreguin Wed, 22 Aug 2007 15:39:45 EDT http://cobrainsurance.com/help/questions/399/ Q: Is Cobra only applicable for people who had insurance with an employer prior? I had health insurance thru my school- does that count? A: COBRA Laws applies to all group health plans through ... Patty Arreguin Wed, 22 Aug 2007 17:32:37 EDT http://cobrainsurance.com/help/questions/400/ Q: What is the shortest length of time I can have Cobra coverage after terminating my employment with BB&T and looking for another job?A: The shortest amount of time you can have COBRA continuat ... Patty Arreguin Thu, 23 Aug 2007 16:45:48 EDT http://cobrainsurance.com/help/questions/401/ Q: When I left my last job I didn't receive any of the cobra insurance forms. I would like to use this, so I won't go without insurance. Will you please help me with this information. If you wou ... Patty Arreguin Thu, 23 Aug 2007 17:08:29 EDT http://cobrainsurance.com/help/questions/402/ Q: What steps do I need to follow to cancel existing COBRA coverage? My situation will be changing and I will no longer require coverage under the COBRA plan.A: You will need to notify your prev ... Patty Arreguin Thu, 23 Aug 2007 17:44:15 EDT http://cobrainsurance.com/help/questions/403/ Q: Where do I download an election form for a previous employee?A: With in 45 days from your last day the employer is required to mail you the COBRA packet which will include the COBRA election ... Patty Arreguin Mon, 24 Sep 2007 15:13:30 EDT http://cobrainsurance.com/help/questions/404/ Q: I just graduated from college and got my first job with benefits, including insurance. Before graduation and shortly after I was working part-time for a local company and did not have insuranc ... Patty Arreguin Fri, 24 Aug 2007 13:19:16 EDT http://cobrainsurance.com/help/questions/405/ Q: I moved and I don't know if the monthly bill is being sent to the right address, how do I find out if it is being sent to the right place?A: You should contact your previous employer's HR de ... Patty Arreguin Fri, 24 Aug 2007 16:36:40 EDT http://cobrainsurance.com/help/questions/406/ Q: Could you please email me a doctor list for West Palm beach, Florida?A: COBRA is the same plan that you had with your previous employer. You will be able to use the same doctors that you ha ... Patty Arreguin Thu, 17 Jan 2008 17:42:36 EST http://cobrainsurance.com/help/questions/412/ Q: If I stop working does my boss by law have to offer me COBRA I have been told by the secretary they do not have to. A: If the employer has less than 20 employees they may choose to prov ... Patty Arreguin Tue, 28 Aug 2007 17:52:11 EDT http://cobrainsurance.com/help/questions/413/ Q: I have been laid off as of 8/07/07 due to company closure --not a bankruptcy--several thousand employees. Our insurance coverage is in force until 8/10/07 and the employer says they are not of ... Patty Arreguin Tue, 28 Aug 2007 18:00:42 EDT http://cobrainsurance.com/help/questions/414/ Q: I was laid off recently and continued my dental insurance thru Cobra. I now need a crown replacement and need to know if it is covered.A: If you are making your COBRA payments, then you wi ... Patty Arreguin Wed, 29 Aug 2007 11:43:50 EDT http://cobrainsurance.com/help/questions/415/ Q: I am currently pregnant. I have been with my company for almost 2 years now and have had continuing insurance coverage along with my husband. If I quit my job before I have the baby, will I ... Patty Arreguin Tue, 22 Jul 2008 11:22:14 EDT http://cobrainsurance.com/help/questions/416/ Q: My mother, who is 52 is on Cobra Insurance after her and my father were divorced. She works full time in a small doctor's office and is not insured through them, so she is on Cobra currently. S ... Patty Arreguin Wed, 29 Aug 2007 12:42:18 EDT http://cobrainsurance.com/help/questions/417/ Q: I have been told if I terminate employment on 1st of month my employer must continue to pay his share of my group health insurance thru the end of that month. Is this true?A: No, it all depends ... Patty Arreguin Wed, 29 Aug 2007 13:19:31 EDT http://cobrainsurance.com/help/questions/418/ Q: My husband is thinking of starting a new career. I’m only 5 weeks pregnant right now and will be maybe 5 months when he starts his new job. If I get Cobra insurance will it cover me? Al ... Patty Arreguin Wed, 29 Aug 2007 16:30:41 EDT http://cobrainsurance.com/help/questions/419/ Q: My company recently closed. I had family coverage and intend to convert to COBRA. My children were covered as students as well. They intent not to return to school in the fall and will there ... Patty Arreguin Thu, 30 Aug 2007 11:00:57 EDT http://cobrainsurance.com/help/questions/420/ Q: My wife has our coverage through her employer. If she was to quit is coverage still available to our family immediately with costs being charged to us 100%? A: If your wife's employe ... Patty Arreguin Thu, 30 Aug 2007 11:14:01 EDT http://cobrainsurance.com/help/questions/421/ Q: I have been on COBRA since leaving a job in March and staring a new job in September. Medical Coverage starts immediately. Am I still covered until my new insurance starts? Do I have to s ... Patty Arreguin Thu, 30 Aug 2007 11:43:05 EDT http://cobrainsurance.com/help/questions/422/ Q: You state "In some instances COBRA can be extended for up to 36 months". Please explain, how? A: An employee may be eligible for an 11 month extension for a total of 29 months if they beco ... Patty Arreguin Thu, 30 Aug 2007 12:41:22 EDT http://cobrainsurance.com/help/questions/423/ Q: After the 18-month COBRA period is over, is there any paperwork or are there any forms that the ex-employee needs to sign or fill out? A: There is no paperwork that you need to fill o ... Patty Arreguin Thu, 30 Aug 2007 15:42:48 EDT http://cobrainsurance.com/help/questions/440/ Q: During payment times, my father can't get his prescription medicine because he's not covered. Is it true that COBRA takes a really long time to process payments and that between payments mem ... Patty Arreguin Thu, 06 Sep 2007 11:41:49 EDT http://cobrainsurance.com/help/questions/441/ Q: Am I eligible for COBRA coverage if I have just graduated from a Masters program and am no longer covered by the University's student insurance plan, but do not yet have a job?A: COBRA covers ... Patty Arreguin Thu, 06 Sep 2007 11:48:21 EDT http://cobrainsurance.com/help/questions/442/ Q: Recently, I accepted COBRA coverage. Now, I need to decline COBRA coverage.A: You can cancel your COBRA coverage when you obtain other insurance. You will need to notify your previous emplo ... Patty Arreguin Thu, 06 Sep 2007 11:57:37 EDT http://cobrainsurance.com/help/questions/443/ Q: My sister-in-law had to use Cobra after she had a car accident and she lost her job. Shortly the 18 months will be up and she will have about a 5 months span until she is eligible for Medicar ... Patty Arreguin Thu, 11 Oct 2007 14:13:20 EDT http://cobrainsurance.com/help/questions/444/ Q: What do I do if I no longer have the paper that was sent by my former employer with the Cobra information? Can I still get Cobra insurance? A: You should contact your previous employer and req ... Patty Arreguin Wed, 05 Dec 2007 13:01:51 EST http://cobrainsurance.com/help/questions/445/ Q: Can a common law wife collect cobra benefits or does there have to be a legal marriage?A: Since COBRA is a continuation of the same group health plan that you had with your past employer, your ... Patty Arreguin Tue, 23 Oct 2007 15:12:59 EDT http://cobrainsurance.com/help/questions/446/ Q: We are on Cobra until my new employer's coverage is enacted (90 days). We've paid our premium and have now rec'd some bills. How do we go about applying Cobra to these bills? Does the provid ... Patty Arreguin Thu, 06 Sep 2007 17:24:21 EDT http://cobrainsurance.com/help/questions/447/ Q: If an employer had more than 20 full-time employees for the previous 12 months and were offering COBRA, but just recently dropped to less than 20 do they still have to offer COBRA coverage?A: ... Patty Arreguin Thu, 06 Sep 2007 17:43:09 EDT http://cobrainsurance.com/help/questions/448/ Q: My daughter got a new job in June. Her new job's medical insurance has not kicked in yet. She's not happy at this new job and wants find another job. She is currently on Cobra and she thinks it ... Patty Arreguin Thu, 06 Sep 2007 17:59:34 EDT http://cobrainsurance.com/help/questions/449/ Q: I am a widow getting COBRA. My husband was laid off on May 9, 2006 due to downsizing by the company. On May 31, 2006 he was diagnosed with cancer. Our COBRA coverage began June 1, 2006. My ... Patty Arreguin Fri, 07 Sep 2007 10:50:31 EDT http://cobrainsurance.com/help/questions/450/ Q: I got letter from my previous employer and they say I need to fill out and send them the form. But there is no form or payment list. How I can get information about my problem?A: You probab ... Patty Arreguin Fri, 07 Sep 2007 11:45:40 EDT http://cobrainsurance.com/help/questions/451/ Q: I am currently insured and currently 10 weeks pregnant. I currently pay 298.70 per month for my husband and me with my employer's work insurance. My employer pays 50% and I pay the other hal ... Patty Arreguin Fri, 07 Sep 2007 14:37:05 EDT http://cobrainsurance.com/help/questions/452/ Q: I am sending my premium payments back to date of coverage loss. I have in the last week had surgery; will cobra still cover me if I pay my premiums before my election deadline? A: Your ... Patty Arreguin Fri, 07 Sep 2007 15:05:10 EDT http://cobrainsurance.com/help/questions/453/ Q: My mother has had her own coverage thru her employer for the past year and she is on my father’s COBRA plan as well (for the past 6 months). She is no longer working for her employer ... Patty Arreguin Fri, 07 Sep 2007 17:08:44 EDT http://cobrainsurance.com/help/questions/454/ Q: Due to high premiums, my wife cancelled the family portion of my Cobra insurance in the middle of June of this year. My daughter had biopsy surgery on June 8th. After the cancellation, they ... Patty Arreguin Wed, 19 Sep 2007 16:40:36 EDT http://cobrainsurance.com/help/questions/455/ Q: If I have accident only coverage as well as major medical and dental through my employer, does my employer have to offer COBRA for all of these if I leave the company?A: COBRA is a continuati ... Patty Arreguin Mon, 10 Sep 2007 12:38:35 EDT http://cobrainsurance.com/help/questions/456/ Q: I am trying to find out what I can do about cobra insurance. The enrollment forms and payment have been lost in the mail and coverage has been canceled. I am on medications that will caus ... Patty Arreguin Mon, 10 Sep 2007 15:35:46 EDT http://cobrainsurance.com/help/questions/457/ Q: If my husband left his job and had Blue Cross/Blue Shield, and we obtained COBRA, would be still have Blue Cross/Blue Shield? A: COBRA is a continuation of your previous employer's grou ... Patty Arreguin Tue, 11 Sep 2007 10:17:17 EDT http://cobrainsurance.com/help/questions/458/ Q: How do I find out when my next payment is due? How do I find out the amount of my next payment? Where do I send my next payment? I am insured by United Healthcare through COBRA, but United ... Patty Arreguin Tue, 11 Sep 2007 10:28:39 EDT http://cobrainsurance.com/help/questions/459/ Q: I am 63 years old and have recently been diagnosed with depression. I also have history of breast cancer that was last treated 2 years ago. I am planning to apply for disability and as I un ... Patty Arreguin Tue, 11 Sep 2007 10:42:16 EDT http://cobrainsurance.com/help/questions/460/ Q: I resigned from my position at the University of the Virgin Islands today. I was informed that they do not offer a COBRA plan. Can you explain why not? It is a public institution employing ... Patty Arreguin Tue, 11 Sep 2007 10:54:35 EDT http://cobrainsurance.com/help/questions/461/ Q: My son was enrolled this summer as a full time student. However, my employer insurance dropped him from my insurance in early July because of his 23rd birthday. Fearing he had no coverage I ... Patty Arreguin Fri, 21 Sep 2007 14:49:23 EDT http://cobrainsurance.com/help/questions/463/ Q: My last day of coverage was August 1st 2007. Could you please send me an email with a copy stating that my health insurance finished on that date? I am living in Australia and need it to ap ... Patty Arreguin Tue, 11 Sep 2007 12:59:41 EDT http://cobrainsurance.com/help/questions/464/ Q: If you had both medical and dental coverage while you were employed, do you have to choose both for COBRA when you are terminated? A: COBRA is a continuation of health insurance or any b ... Patty Arreguin Tue, 11 Sep 2007 15:04:21 EDT http://cobrainsurance.com/help/questions/465/ Q: I am going to be leaving my current job and will need to go on COBRA insurance. I am curious of the differences between COBRA continuation and regular COBRA insurance. I am pregnant and wan ... Patty Arreguin Wed, 12 Sep 2007 14:33:58 EDT http://cobrainsurance.com/help/questions/466/ Q: If I quit my job and move from NJ to NC and get CBORA will we get coverage in North Carolina, we have a PPO now? My employer has 80 employees. A: If there are more than 20 employees at ... Patty Arreguin Wed, 12 Sep 2007 15:26:16 EDT http://cobrainsurance.com/help/questions/467/ Q: I have a situation where there are two married participants, in a group retiree Medicare supplemental health plan, are enrolled in Medicare, are both over 65, and will be divorced. Does the ex ... Patty Arreguin Wed, 12 Sep 2007 15:45:15 EDT http://cobrainsurance.com/help/questions/468/ Q: My previous employer did not make a payment on my behalf and the coverage was terminated on 6/30/07. How can I reinstate with retroactive benefits to 7/1/07?A: If the insurance company has n ... Patty Arreguin Wed, 12 Sep 2007 15:54:26 EDT http://cobrainsurance.com/help/questions/469/ Q: My husband is retired and is covered under my heath benefits. He will be 64 when I retire and I'll be 62. Can we go under him with COBRA until he reaches 65 (12 months) then continue for 18 m ... Patty Arreguin Wed, 12 Sep 2007 17:45:07 EDT http://cobrainsurance.com/help/questions/470/ Q: I can't confirm Cobra received my payment and it's getting late in the month. Is there a location I can make a payment locally? A: You should contact your previous employer where you signed u ... Patty Arreguin Wed, 12 Sep 2007 18:02:30 EDT http://cobrainsurance.com/help/questions/471/ Q: I have a 3 week gap between employers, am I covered during this time even if I do not recieve the Cobra paperwork? If I have no medical problems during this period and do not pay the Cobra ... Patty Arreguin Thu, 13 Sep 2007 13:32:57 EDT http://cobrainsurance.com/help/questions/472/ Q: We are opening an office in New York but will only have 1 employee based there. I want to know what the Cobra plan covers and how we can get employees on your insurance plan? A: Under COBRA ... Patty Arreguin Thu, 13 Sep 2007 13:46:27 EDT http://cobrainsurance.com/help/questions/473/ Q: My family plan was under my employer's benefit plan. I was recently laid off and elected the COBRA coverage for the family @ $900 per month. My dependent children were covered under my plan ... Patty Arreguin Thu, 13 Sep 2007 14:20:22 EDT http://cobrainsurance.com/help/questions/474/ Q: I accidentally threw out my Cobra receipt for my health insurance coverage for the bill that was due 9/1/07, could I get another copy of it? A: You will need to request a duplicate rec ... Patty Arreguin Thu, 13 Sep 2007 15:56:06 EDT http://cobrainsurance.com/help/questions/475/ Q: My sister and I worked for the same company; which closed down our office in Dec. 2006. We had to purchase the COBRA insurance with BCBS of Tenn. Our payments were sent in every month and we ... Patty Arreguin Thu, 13 Sep 2007 16:20:09 EDT http://cobrainsurance.com/help/questions/476/ Q: I am 59 yr old with some health issues. I plan to take COBRA coverage in March of 2008. What is the most affordable strategy for 59-65 (Medicare date)? How do I max out COBRA? A: The ... Patty Arreguin Thu, 13 Sep 2007 16:53:06 EDT http://cobrainsurance.com/help/questions/477/ Q: I am currently employed and have insurance through my employer for my husband and me. Since my husband has Parkinson's disease, I am considering retiring to be with him even though I am onl ... Patty Arreguin Thu, 13 Sep 2007 17:07:09 EDT http://cobrainsurance.com/help/questions/478/ Q: I have sent in my acceptance form for cobra. my insurance coverage with Cigna has ended as of July 31. 2007. We have relocated to Salt Lake City, Utah, and I have resumed cancer treatment. ... Patty Arreguin Thu, 13 Sep 2007 17:14:35 EDT http://cobrainsurance.com/help/questions/479/ Q: I sent the form in. When can I use my benefits again?A: COBRA will begin the day after the qualifying event took place or when the group health coverage ceased because of a qualifying even ... Patty Arreguin Fri, 14 Sep 2007 11:34:12 EDT http://cobrainsurance.com/help/questions/480/ Q: I was with company A until August 30th, started in company B on September 4. I have to have a surgical procedure in November with a Dr X in New York who belongs to the insurance of the compa ... Patty Arreguin Fri, 14 Sep 2007 12:29:40 EDT http://cobrainsurance.com/help/questions/481/ Q: If I elect both medical and dental as I had prior. Can I discontinue medical and just cancel dental at anytime? A: You can choose to remove the health insurance from your COBRA contin ... Patty Arreguin Fri, 14 Sep 2007 14:14:51 EDT http://cobrainsurance.com/help/questions/482/ Q: I previously had insurance with COBRA and I became eligible for Medicare in July 07, I have been trying to reach the COBRA office to discuss this matter but have been left on hold for 1 or ... Patty Arreguin Fri, 14 Sep 2007 14:33:42 EDT http://cobrainsurance.com/help/questions/483/ Q: My daughter was told today by her employer to elect COBRA--go on-line and get form without an explanation. She currently has Blue Cross. The company is a partnership to my understanding. Wha ... Patty Arreguin Fri, 14 Sep 2007 14:56:10 EDT http://cobrainsurance.com/help/questions/484/ Q: I was told that if you do not take COBRA insurance, then another insurance company can refuse to cover you later, or cover pre-existing conditions. Is this true?A: If you have an insurance l ... Patty Arreguin Fri, 14 Sep 2007 15:58:01 EDT http://cobrainsurance.com/help/questions/485/ Q: I was employed and had insurance. I was pregnant, went on maternity leave, and then decided to quit. I had the HR representative add my son right after he was born. I want to continue covera ... Patty Arreguin Fri, 14 Sep 2007 16:20:01 EDT http://cobrainsurance.com/help/questions/486/ Q: I received a letter from my Cobra Plan in which my check for my July premium was returned. I check with my bank and it was returned July 31, 2007. I did not received noticed from the company ... Patty Arreguin Fri, 14 Sep 2007 17:32:56 EDT http://cobrainsurance.com/help/questions/487/ Q: I am going through a divorce. I called my former spouse's employer to ask about COBRA coverage and was told that since I am not a former employee, I am not eligible for this coverage. Is t ... Patty Arreguin Mon, 17 Sep 2007 12:52:03 EDT http://cobrainsurance.com/help/questions/488/ . Q: My husband has filed for Divorce. I understand I will be covered for 36 months. What I need to know; will my coverage be the same as it was before the divorce? A: COBRA is a continu ... Patty Arreguin Mon, 17 Sep 2007 13:23:49 EDT http://cobrainsurance.com/help/questions/489/ Q: What is COBRA's definition of disability? Will I be entitled to an extension of COBRA health coverage for my infant son as long as he is considered disabled under your terms (born with congeni ... Patty Arreguin Mon, 17 Sep 2007 14:20:20 EDT http://cobrainsurance.com/help/questions/490/ Q: If I have 2 kids, what percentage of the premium is for the individual and what percentage is for the kids?A: You will be responsible for 100% of the monthly premiums. Plus, the employer can ... Patty Arreguin Mon, 17 Sep 2007 14:27:19 EDT http://cobrainsurance.com/help/questions/491/ Q: I elected employee-only COBRA health coverage. Upon birth of my new baby, I will change my coverage to employee + children. At that time, can I also add my daughter, who was covered before I t ... Patty Arreguin Mon, 17 Sep 2007 14:35:41 EDT http://cobrainsurance.com/help/questions/492/ Q: When re-locating form Florida to Oregon I was told that I was no longer eligible for COBRA. In the meantime I found a job with insurance but the prescription plan does not cover preferred me ... Patty Arreguin Mon, 17 Sep 2007 18:00:11 EDT http://cobrainsurance.com/help/questions/493/ Q: My sister was covered under her husband's insurance and he passed away March 2006. She continued with the COBRA plan and is eligible for 36 months. It stops April 2009. Unfortunately, in Nov ... Patty Arreguin Tue, 18 Sep 2007 11:48:22 EDT http://cobrainsurance.com/help/questions/494/ Q: My husband will be eligible for Medicare when he retires next month. He has "Connecticare" insurance from work in Connecticut. We are moving to Florida, where the insurance does not exist. W ... Patty Arreguin Tue, 18 Sep 2007 12:14:00 EDT http://cobrainsurance.com/help/questions/495/ Q: If my husband gets a new job and new insurance, will pre-existing conditions be waived if it is with in 60 days of the COBRA expiration? A: As long as you do not have a period of mo ... Patty Arreguin Tue, 18 Sep 2007 16:36:48 EDT http://cobrainsurance.com/help/questions/496/ Q: My former employer refused to let me purchase cobra on a child we are adopting. They say because the adoption is not finalized he does not qualify. Is this employer right? A: The law a ... Patty Arreguin Tue, 18 Sep 2007 17:30:08 EDT http://cobrainsurance.com/help/questions/497/ Q: If an insurance policy through an employer group has mental health benefits, does the COBRA policy have the same benefit? Or, can mental health benefits be excluded? A: COBRA coverage is th ... Patty Arreguin Wed, 19 Sep 2007 09:52:00 EDT http://cobrainsurance.com/help/questions/498/ Q: I have been making payments to my employer for 3 months. According to the insurance company they have not received paperwork or payment from my previous employer. How do I handle this and a ... Patty Arreguin Wed, 19 Sep 2007 11:33:32 EDT http://cobrainsurance.com/help/questions/499/ Q: The management and salaried employees are covered under the union health insurance plan for our unionized workers. If the union goes on strike, are we covered on insurance or COBRA. Also, si ... Patty Arreguin Wed, 19 Sep 2007 11:43:13 EDT http://cobrainsurance.com/help/questions/500/ Q: If an employer has been offering health insurance, and now they no longer are, and they were self insured, do they have to offer COBRA. Also, how much notice do they have to give to tell you ... Patty Arreguin Wed, 19 Sep 2007 12:21:58 EDT http://cobrainsurance.com/help/questions/501/ Q: My wife is pregnant and near term. She is currently covered under her employers plan. We had scheduled a switch to my employers plan. Can she sign up for coverage by COBRA to extend her pol ... Patty Arreguin Wed, 19 Sep 2007 12:48:11 EDT http://cobrainsurance.com/help/questions/502/ Q: I had been covered under my wife's medical plan for many years but we have divorced which was final as of Aug 17 th of this year. My ex wife said that I would be covered through the end of M ... Patty Arreguin Wed, 19 Sep 2007 14:27:51 EDT http://cobrainsurance.com/help/questions/503/ Q: There is a small chance that the place where I work, where I have my group health insurance coverage may go out of business. If it turns out that my place of employment (in NC) no longer ex ... Patty Arreguin Wed, 19 Sep 2007 15:15:59 EDT http://cobrainsurance.com/help/questions/504/ Q: My sister and I worked for the same company; which closed down our office in Dec. 2006. We had to purchase the COBRA insurance.. Our payments were sent in every month and we did not miss a m ... Patty Arreguin Fri, 28 Sep 2007 11:33:30 EDT http://cobrainsurance.com/help/questions/505/ Q: How much do I have to pay per month to keep my medical insurance if I leave my job? A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that ... Patty Arreguin Wed, 19 Sep 2007 17:51:49 EDT http://cobrainsurance.com/help/questions/506/ Q: I recently quit my job. I wanted to know what the cost would be for insurance, medical only, for less than 6 months. I will be getting married in October and I have to wait 3 months for my ... Patty Arreguin Wed, 19 Sep 2007 17:54:57 EDT http://cobrainsurance.com/help/questions/507/ Q: What type of insurance will I be available for once my cobra has expired. I live in Arizona.A: When your COBRA expires, you have several options. You can see if your insurance company will c ... Patty Arreguin Tue, 02 Oct 2007 17:26:51 EDT http://cobrainsurance.com/help/questions/508/ Q: An individual leaves an employer on 6/30/07 and pays his COBRA premium in July. He gets a new job in July and cancels COBRA. The new employer's insurance doesn't take effect until for 90 d ... Patty Arreguin Thu, 20 Sep 2007 11:24:28 EDT http://cobrainsurance.com/help/questions/510/ Q: I currently have Cal-COBRA coverage through a former employer. I will be moving to New York and not have an immediate job. Will I be able to transfer Cal-COBRA to New York without going thro ... Patty Arreguin Fri, 21 Sep 2007 11:49:51 EDT http://cobrainsurance.com/help/questions/511/ Q: I had an annual pap done in June 2007 under work insurance. I was laid off in July. My doctor told me to get a biopsy done due to positive result on my pap is this considered a pre-existin ... Patty Arreguin Thu, 04 Oct 2007 12:41:37 EDT http://cobrainsurance.com/help/questions/512/ Q: I understand that Cobra coverage is generally available for 18 months. .My question is, if someone uses up all Cobra time, for either dental or medical, but then finds employment and coverag ... Patty Arreguin Mon, 24 Sep 2007 11:18:22 EDT http://cobrainsurance.com/help/questions/513/ Q: I will be going on Medicare as of Dec 1, 2007. I had retired on October 1, 1998, under their early retirement program. The employer had us covered under their insurance plan since my retirem ... Patty Arreguin Mon, 24 Sep 2007 12:38:25 EDT http://cobrainsurance.com/help/questions/514/ Q: My husband got a new job; his new employer said that we'd all be on their insurance from hire-date. His hire date is Oct. 1st. his last day with his old employer is Sept. 25th and the insura ... Patty Arreguin Mon, 24 Sep 2007 13:22:31 EDT http://cobrainsurance.com/help/questions/515/ Q: I need to find the form on-line to apply for Cobra in New York City? Where do I find the Cobra form on my computer to fill this form out immediately? A: You will not find the election form ... Patty Arreguin Mon, 24 Sep 2007 14:29:26 EDT http://cobrainsurance.com/help/questions/516/ Q: My former employer has a 3rd party plan administrator for COBRA. There were a lot of mix-ups, including changes in my coverage and fees. No one at the plan administrators or my former emplo ... Patty Arreguin Mon, 24 Sep 2007 15:35:47 EDT http://cobrainsurance.com/help/questions/517/ Q: If I elect to apply for an individual policy before my COBRA expires would it be a guarantee issue or would I have to go through the underwriting process? A: If you apply for an indiv ... Patty Arreguin Mon, 24 Sep 2007 16:00:09 EDT http://cobrainsurance.com/help/questions/518/ Q: My new employer has agreed to reimburse my COBRA premiums until we can get a new group policy started. How does the employer report these payments and do I have to pay income tax on the money?A ... Patty Arreguin Mon, 24 Sep 2007 18:00:58 EDT http://cobrainsurance.com/help/questions/519/ Q: Could I get another copy of my last COBRA bill that I already paid? I need it for an expense report. A: You will need to request a duplicate receipt from your previous employer. If they h ... Patty Arreguin Tue, 25 Sep 2007 11:19:59 EDT http://cobrainsurance.com/help/questions/520/ Q: My work is laying me off and I have 3 months of coverage that they pay for. My husband's enrollment for his job is in Jan 1st. I wanted to know if they pay for the 3 months is this for the e ... Patty Arreguin Wed, 03 Oct 2007 15:12:52 EDT http://cobrainsurance.com/help/questions/521/ Q: If a company terminates their group insurance and rather reimburses employees through a Health Reimbursement Arrangement for the purchase of individual health insurance, does COBRA apply for ... Patty Arreguin Tue, 25 Sep 2007 15:58:11 EDT http://cobrainsurance.com/help/questions/522/ Q: My COBRA paperwork said I didn’t have to submit any payment when I turn in the election form. When I didn’t hear anything from my previous employer I called them. They said they ... Patty Arreguin Wed, 26 Sep 2007 17:14:30 EDT http://cobrainsurance.com/help/questions/523/ Q: I know that there is a mandated term to allow COBRA insurance to be extended past the 36 months allowed for an individual that has been divorced. Could you tell me what the term is?A: When ... Patty Arreguin Thu, 27 Sep 2007 11:56:46 EDT http://cobrainsurance.com/help/questions/524/ Q: I left my former employer July 07. I have sent in 2 months of payments for Aug 07 and Sept 07 to a company which administrates the COBRA insurance for my former company. The insurance compan ... Patty Arreguin Fri, 25 Jul 2008 12:06:37 EDT http://cobrainsurance.com/help/questions/525/ Q: I just gave my notice at my present employment and found out today that I'm pregnant. I already accepted a job at another company. Because it's pre-existing I'm afraid the insurance they wil ... Patty Arreguin Thu, 27 Sep 2007 14:54:07 EDT http://cobrainsurance.com/help/questions/526/ Q: Is it the law that you have 60 days to elect COBRA? My employer says I only have 30.A: Under COBRA law, the employer must give you at least 60 days to elect COBRA from the date the electio ... Patty Arreguin Thu, 27 Sep 2007 17:55:03 EDT http://cobrainsurance.com/help/questions/527/ Q: I've been out of work on medical leave and my employer has put a hold on the health insurance. COBRA hasn't sent me anything and now I have no insurance. A: Your employer has up to 45 days ... Patty Arreguin Fri, 28 Sep 2007 10:58:14 EDT http://cobrainsurance.com/help/questions/528/ Q: My husband has filled for divorce, and I 'll be covered another 6 months. I don't have a job. Is there anyway that I can find out, how much COBRA will cost me after 6 months? A: COBR ... Patty Arreguin Fri, 28 Sep 2007 11:10:41 EDT http://cobrainsurance.com/help/questions/529/ Q: In the near future, I plan to quit my job and take between 6 and 9 months off before resuming a different job. Can I pay for 6 months worth of premiums at once, or do I need to pay each mon ... Patty Arreguin Fri, 28 Sep 2007 14:01:13 EDT http://cobrainsurance.com/help/questions/530/ Q: My health/dental insurance was covered under my previous employer through July 31, 2007. Coverage with my new employer is effective date of hire (August 20, 2007). I do not have dependent ... Patty Arreguin Fri, 28 Sep 2007 15:50:59 EDT http://cobrainsurance.com/help/questions/531/ Q: My COBRA premium is due today for the month of October. I know that I have 60 days to elect COBRA. If I decide, say on October 18, that I want COBRA; can I still pay my premium for the month ... Patty Arreguin Tue, 23 Oct 2007 15:42:59 EDT http://cobrainsurance.com/help/questions/532/ Q: I sent in my election form for cobra dental insurance to my previous employer several months ago. I didn't include payment and have not made payments as I had become unemployed shortly after ... Patty Arreguin Fri, 28 Sep 2007 18:00:20 EDT http://cobrainsurance.com/help/questions/533/ Q: I refilled my meds today for the first time since I went on COBRA. my pharmacy told me that I had to pay cash and then get reimbursed. It cost $920.!!! So, I need to file a claim ASAP. A: Si ... Patty Arreguin Mon, 01 Oct 2007 11:09:58 EDT http://cobrainsurance.com/help/questions/534/ Q: I have started a series of allergy shots. Would these continue to be covered on short term cobra?A: Generally, the continuation coverage is the same health benefits that you had the day befo ... Patty Arreguin Mon, 01 Oct 2007 13:15:39 EDT http://cobrainsurance.com/help/questions/535/ Q: If someone elected COBRA while being on spouse's plan, will they be dropped from COBRA? Or does it matter if they were covered by other group plan previously to electing COBRA? If so, how ... Patty Arreguin Mon, 01 Oct 2007 16:36:00 EDT http://cobrainsurance.com/help/questions/536/ Q: If their is a family on Cobra currently, and they decide to come off Cobra to go on to an individual plan, but one of their children is not insurable on that plan and wouldn’t be accep ... Patty Arreguin Mon, 01 Oct 2007 17:02:17 EDT http://cobrainsurance.com/help/questions/537/ Q: Please advise me the website so I can pay on line. I have Cobra Delta Dental A: Usually you must pay your COBRA premiums by check to the previous employer or plan administrator. You shoul ... Patty Arreguin Mon, 01 Oct 2007 17:16:13 EDT http://cobrainsurance.com/help/questions/538/ A: There are only a few ways that a person would be able to extend their COBRA coverage. 1. If you are deemed disabled before or within the first 60 days of COBRA coverage, you are eligible fo ... Patty Arreguin Tue, 02 Oct 2007 14:17:58 EDT http://cobrainsurance.com/help/questions/539/ Q: Once a person is 65 years old or older, and has had health coverage under a group plan through their employer and because of this has deferred Medicare, would they be eligible for COBRA (the ... Patty Arreguin Tue, 02 Oct 2007 17:18:53 EDT http://cobrainsurance.com/help/questions/540/ Q: I quit my job on 07/09/07. My insurance ended on 07/31/07. I have not yet received any information about continuing my coverage from my previous employer or insurance company. I understand it ... Patty Arreguin Wed, 03 Oct 2007 14:18:20 EDT http://cobrainsurance.com/help/questions/541/ Q: I can’t find the right place to go to, to fill out the form I need to so we can get our insurance started. I want to make our fist payment with my charge card. A: Your previous emp ... Patty Arreguin Thu, 04 Oct 2007 12:06:45 EDT http://cobrainsurance.com/help/questions/542/ Q: Please advise who would pay first. I am a disabled dependent and receive COBRA. I am also covered under my husbands Group Health Coverage, who will pay first, my COBRA plan or my husbands ... Patty Arreguin Thu, 04 Oct 2007 12:36:44 EDT http://cobrainsurance.com/help/questions/543/ Q: I just looked up whether my pre-existing condition would be covered under Cobra and everywhere I saw said that it would not be covered. But when I looked at the questions here it says that ... Patty Arreguin Thu, 04 Oct 2007 12:51:31 EDT http://cobrainsurance.com/help/questions/544/ Q: My employment was recently terminated. Could you please list the steps that should be taken (by employer and employee) to initiate and receive Cobra Insurance? A: Your employer is require ... Patty Arreguin Thu, 04 Oct 2007 13:16:48 EDT http://cobrainsurance.com/help/questions/545/ Q: I have met my deductible and out of pocket maxims for the year. Will this start over, and have to be paid again under COBRA?A: Generally, COBRA is a continuation of the same group health ... Patty Arreguin Fri, 05 Oct 2007 11:19:27 EDT http://cobrainsurance.com/help/questions/546/ Q: I am trying to find out how to get enrolled in COBRA. My employer has never sent me a form and it has been close to the 45 days. I asked him, and he said he doesn't know what I'm talking ab ... Patty Arreguin Fri, 05 Oct 2007 12:55:06 EDT http://cobrainsurance.com/help/questions/547/ Q: My daughter becomes eligible for COBRA under my ex's plan. Once she signs up, will she now become the member with the insurance under her SS# and name or will she still be under my ex's plan ... Patty Arreguin Fri, 05 Oct 2007 13:09:35 EDT http://cobrainsurance.com/help/questions/548/ Q: Currently I have United Health Care through my husband but he is leaving his job this month and we are moving to the East Coast. We will use Cobra during that time. My question, in filling ... Patty Arreguin Tue, 20 Nov 2007 13:00:19 EST http://cobrainsurance.com/help/questions/549/ Q: My COBRA payment was sent in last week. I am scheduled to have a ct scan this week will my insurance be in effect then?A: COBRA coverage is a continuation of an employer's group health p ... Patty Arreguin Fri, 05 Oct 2007 15:26:24 EDT http://cobrainsurance.com/help/questions/550/ Q: I've been on Cobra since Nov.1st 2006. Recently, I've been diagnosed with Brain & Lung Cancer. I sent my paperwork to Social Security for help. Can I extend my coverage passed the 18 Months? ... Patty Arreguin Mon, 08 Oct 2007 17:06:23 EDT http://cobrainsurance.com/help/questions/551/ Q: When I left my employer I immediately relocated to start work with my new employer. Since that time I never received information about continuing COBRA. During this time I needed medical at ... Patty Arreguin Tue, 09 Oct 2007 14:47:24 EDT http://cobrainsurance.com/help/questions/552/ Q: If a couple is divorced, & the dependant x- spouse takes a job with a company that offers insurance, but ops not to take it, do they qualify?A: The dependent is still eligible for COBRA as lo ... Patty Arreguin Wed, 10 Oct 2007 17:58:58 EDT http://cobrainsurance.com/help/questions/553/ Q: My wife was an employee of a school district in Texas and recently resigned. She had health insurance through blue cross but NOT dental insurance. The school sent info. on Cobra. Can she sig ... Patty Arreguin Tue, 23 Oct 2007 15:13:17 EDT http://cobrainsurance.com/help/questions/554/ Q: I am not sure what my group number or policy number is and I need to fill prescription and my policy is in the process of being processed with cobra... can you tell me how to fill the prescr ... Patty Arreguin Thu, 11 Oct 2007 15:29:07 EDT http://cobrainsurance.com/help/questions/555/ Q: My employment status changed from employee to contractor when I moved out of state. My employer put me on COBRA and agreed to continue to pay for my insurance as part of the contract. My 18 ... Patty Arreguin Thu, 11 Oct 2007 16:27:53 EDT http://cobrainsurance.com/help/questions/556/ Q: My employer group plan has life, dental and health insurance with three different companies. Is each of these coverages available under COBRA?A: COBRA is a continuation of health insuran ... Patty Arreguin Thu, 11 Oct 2007 17:11:52 EDT http://cobrainsurance.com/help/questions/557/ Q: I had been using cobra for the last couple of months and I am still eligible until Jan 08. I have gotten married and moved out of the US. I do not qualify yet to get under my husband’s ... Patty Arreguin Fri, 12 Oct 2007 10:47:53 EDT http://cobrainsurance.com/help/questions/558/ Q: I have a cancellation of insurance effective 11/08/06; I was under the impression from my employers benefit support that my diabetes would not be covered. I negected not to take COBRA and wa ... Patty Arreguin Fri, 12 Oct 2007 16:44:09 EDT http://cobrainsurance.com/help/questions/560/ Q: The 45 days have lapsed and I have tried to contact my employer HR department, with no response. My wife has a health condition and we are concerned about a lapse in coverage making it difficu ... Patty Arreguin Wed, 23 Jan 2008 17:41:12 EST http://cobrainsurance.com/help/questions/842/ Q: My Daughter went to the doctor a couple times during the time we had COBRA but she gave them my previous employer’s medical card. Can I still file a claim? A: COBRA is a continuat ... Patty Arreguin Thu, 24 Jan 2008 11:01:14 EST http://cobrainsurance.com/help/questions/561/ Q: It has been over 45 days and I have contacted the employer and I have still not received my cobra paper work. A: If your previous employer has more than 20 employees and you were on the g ... Patty Arreguin Tue, 23 Oct 2007 10:09:31 EDT http://cobrainsurance.com/help/questions/562/ Q: Do you qualify for Cobra if you quit?A: Under COBRA law, an employer with more than 20 employees must offer continuation of their group health insurance to an employee and their dependents wh ... Patty Arreguin Tue, 23 Oct 2007 10:45:33 EDT http://cobrainsurance.com/help/questions/563/ Q: If I quit my job can I get COBRA? A: Yes, if you quit your job and your employer has more than 20 employees and they are not a church organization you will be eligible for COBRA continuatio ... Patty Arreguin Tue, 23 Oct 2007 11:03:10 EDT http://cobrainsurance.com/help/questions/564/ Q: I signed up for COBRA over the phone. Is this coverage effective immediately? A: Your COBRA coverage is retro-active. COBRA will begin the day after the qualifying event took place or w ... Patty Arreguin Tue, 23 Oct 2007 11:11:05 EDT http://cobrainsurance.com/help/questions/565/ Q: My status changed at work and my insurance was terminated as of Sept. 30. Can I still opt in to COBRA? A: COBRA election does have certain time limitations. You have only 60 days to elect COB ... Patty Arreguin Tue, 23 Oct 2007 11:15:03 EDT http://cobrainsurance.com/help/questions/566/ Q: My husband left his job before the insurance came into effect. Would we still be eligible for COBRA coverage? A: No, one of the requirement for COBRA eligibility is to be enrolled in the em ... Patty Arreguin Tue, 23 Oct 2007 12:10:45 EDT http://cobrainsurance.com/help/questions/567/ Q: My brother has COBRA insurance. His 18 months of coverage will be over in December. He has a serious heart condition and is currently under a cardiologist's care. Is there any way he can ext ... Patty Arreguin Tue, 23 Oct 2007 12:35:01 EDT http://cobrainsurance.com/help/questions/568/ Q: Our company is being shut down - we were all terminated - do we all qualify for COBRA if the company is completely dissolved? A: If an employer closes their doors and no longer has a gro ... Patty Arreguin Tue, 23 Oct 2007 12:44:03 EDT http://cobrainsurance.com/help/questions/569/ Q: My husband was offered COBRA insurance when he quit his job at the end of May. He said something about us still being able to use the coverage and just backdate the payments? I'm not really cl ... Patty Arreguin Tue, 23 Oct 2007 12:50:09 EDT http://cobrainsurance.com/help/questions/570/ Q: Does your company provide coverage for lap band procedures? A: COBRA is a continuation of your previous employer's group health policy. COBRA continuation must provide you with the same c ... Patty Arreguin Tue, 23 Oct 2007 15:24:03 EDT http://cobrainsurance.com/help/questions/571/ Q: I filled out the paperwork to get COBRA coverage. I have not received an invoice to pay. I went to my doctor's office yesterday and they say I am not covered. How do I rectify this? A ... Patty Arreguin Tue, 23 Oct 2007 15:46:21 EDT http://cobrainsurance.com/help/questions/572/ Q: I am in the period between the last day of my employment and the due date for my first premium. I have incurred medical expenses including an ER visit and medications during this period. The ... Patty Arreguin Tue, 23 Oct 2007 17:08:03 EDT http://cobrainsurance.com/help/questions/573/ Q: I am on my past employers health plan paying them a premium each month for health insurance for my husband and myself. The past employer wants to end the plan and not renew. Will they have ... Patty Arreguin Tue, 23 Oct 2007 17:56:34 EDT http://cobrainsurance.com/help/questions/574/ Q: Can I get COBRA for only 13 days? I will be leaving my current company 11/16 and then starting the new insurance on 12/01. Can COBRA be prorated for that small of a timeframe?A: The shortest ... Patty Arreguin Wed, 24 Oct 2007 10:29:36 EDT http://cobrainsurance.com/help/questions/575/ Q: I was laid off 10/11 so coverage ends 10/31. Knee replacement Surgery has been approved by Premera Blue Cross, however we might not be able to have it done by 10/31. Would we have to pay one ... Patty Arreguin Wed, 24 Oct 2007 14:15:03 EDT http://cobrainsurance.com/help/questions/576/ Q: If Cobra payment has been late for 6 months then the policy terminated, can the policy be reinstated if payments are picked back up? A: If you did not make a payment during the 30 day grac ... Patty Arreguin Wed, 24 Oct 2007 14:57:23 EDT http://cobrainsurance.com/help/questions/577/ Q: I elected and began receiving cobra and 1 ½ months later I cancelled it when I began my current job. I just realized my new employer doesn't cover dental. Is it too late to pick that part of ... Patty Arreguin Wed, 24 Oct 2007 15:47:24 EDT http://cobrainsurance.com/help/questions/578/ Q: My previous employer refuses to send me cobra material. It's been over 60 days what do I do? A: If your previous employer has more than 20 employees and you were on the group health ins ... Patty Arreguin Fri, 07 Dec 2007 13:28:27 EST http://cobrainsurance.com/help/questions/579/ Q: My son was born with Hydrocephalus and I am currently covered by other insurance with my job. I am leaving my job in November and I know they will offer me Cobra but will this even cover hi ... Patty Arreguin Thu, 25 Oct 2007 11:53:42 EDT http://cobrainsurance.com/help/questions/580/ Q: My wife and I are having our first child and the baby's due date is Nov. 26. I have insurance through my work right now, but the premiums I have to pay are horrible. For just my wife and me ... Patty Arreguin Wed, 24 Oct 2007 16:45:21 EDT http://cobrainsurance.com/help/questions/581/ Q: My COBRA ends in 10 days (after 18 months) and I was just today diagnosed with probable cervical cancer. Surgery is required to confirm. Is there any way to continue this coverage to cover t ... Patty Arreguin Wed, 24 Oct 2007 17:05:36 EDT http://cobrainsurance.com/help/questions/582/ Q: I work full-time and my spouse and I are both covered by my employer’s group insurance. I will turn 65 in August 2008; my spouse will turn 65 in November 2010. Can I get COBRA coverage ... Patty Arreguin Wed, 24 Oct 2007 17:58:53 EDT http://cobrainsurance.com/help/questions/583/ Q: The company that I am working for is completely shutting every store in the United States leaving me without a job. Since they are going out of business do they still have to extend the oppor ... Patty Arreguin Thu, 25 Oct 2007 10:23:03 EDT http://cobrainsurance.com/help/questions/584/ Q: I was just forced to switch insurance companies at my work from Blue Shield to CIGNA they did not even give us the option of COBRA so I signed up for CIGNA. I had a bariatric surgery that wa ... Patty Arreguin Thu, 25 Oct 2007 11:13:57 EDT http://cobrainsurance.com/help/questions/585/ Q: My son has come off my group insurance plan at work due to his age. He has asthma and does not plan to go to work for a company with group insurance. An individual policy will not cover his ... Patty Arreguin Thu, 25 Oct 2007 11:55:31 EDT http://cobrainsurance.com/help/questions/586/ Q: I would like to know why I was not notified in advance of my sons termination (due to age) before he was terminated. After going to the doctor today, he went to the pharmacy to get his presc ... Patty Arreguin Thu, 25 Oct 2007 15:02:17 EDT http://cobrainsurance.com/help/questions/587/ Q: I had a PPO with my former employer. I worked 5 years and was laid-off. I elected COBRA medical and vision, etc. I found another job and was laid-off a month later. Am I covered by Cobra s ... Patty Arreguin Tue, 05 Feb 2008 13:17:56 EST http://cobrainsurance.com/help/questions/588/ Q: I haven't received any COBRA info from employer and wanted to make sure my family would still be covered after company closes. How soon does paperwork need to be submitted and will my famil ... Patty Arreguin Tue, 30 Oct 2007 11:12:25 EST http://cobrainsurance.com/help/questions/589/ Q: I mailed my payment for family coverage but my check has not cleared my bank. Do I have coverage or not? A: A payment should be accepted by the employer if it was received in a timel ... Patty Arreguin Tue, 30 Oct 2007 11:43:56 EST http://cobrainsurance.com/help/questions/590/ Q: My health insurance coverage ended with my previous employer on 07/31/07. My wife needed x-rays in August 2007. I paid the COBRA premium for August. Neither my wife nor I needed health care ... Patty Arreguin Tue, 30 Oct 2007 12:03:11 EST http://cobrainsurance.com/help/questions/591/ Q: I am currently enrolled under a cobra plan for health insurance and am also permanently disabled as per Social Security. I am moving to another state that my current insurer does not do busi ... Patty Arreguin Fri, 11 Apr 2008 12:36:33 EDT http://cobrainsurance.com/help/questions/592/ Q: My husband paid into COBRA at his job which had less than 20 employees. He has recently lost his job and does not qualify for COBRA since the company employs less than 20 people. Can he get ... Patty Arreguin Tue, 30 Oct 2007 16:30:22 EST http://cobrainsurance.com/help/questions/593/ Q: I am retired but my non-working spouse is covered by Cobra through my former employer. If I move from Illinois to Tennessee will she still be able to be insured through the Cobra plan. A ... Patty Arreguin Wed, 31 Oct 2007 10:20:07 EST http://cobrainsurance.com/help/questions/594/ Q: Does an employer have to have 20 or more employees who are eligible to join the group health plan or does the employer just have to have 20 or more employees to be required to offer COBRA co ... Patty Arreguin Wed, 31 Oct 2007 10:44:07 EST http://cobrainsurance.com/help/questions/595/ Q: The amounts I have sent for COBRA payments should have covered the amount due. However, we are still getting past due notices. We do not want to lose the benefits. A single payment due today ... Patty Arreguin Wed, 31 Oct 2007 11:04:42 EST http://cobrainsurance.com/help/questions/596/ Q: I have had cobra since 07/01/2007 and I have paid each payment on time. However, I just got a notice of cancellation and my money back. It states that it ended. How can I get this rectifi ... Patty Arreguin Wed, 31 Oct 2007 11:27:59 EST http://cobrainsurance.com/help/questions/597/ Q: Where do I go to see if my check was received by Cobra? I rec'd statement recently that showed Oct payment was not received, and it was mailed on 10/6/07. A: Since you send your COBRA pa ... Patty Arreguin Wed, 31 Oct 2007 14:54:52 EST http://cobrainsurance.com/help/questions/598/ Q: My husband paid into COBRA at his job which had less than 20 employees. He has recently lost his job and does not qualify for COBRA since the company employs less than 20 people. Can he get ... Patty Arreguin Wed, 31 Oct 2007 15:39:46 EST http://cobrainsurance.com/help/questions/599/ Q: My wife worked at a hospital and she is now in Australia for 6 months. She dropped her coverage but I am covered with COBRA. She pays the monthly payments of $414.71 via internet payment. I ... Patty Arreguin Wed, 31 Oct 2007 16:03:08 EST http://cobrainsurance.com/help/questions/600/ Q: My divorce settlement decrees that I am to pay our children's (2) insurance as long as it is a "benefit of my employment." However, I resigned from my position as a teacher. Is COBRA conside ... Patty Arreguin Wed, 31 Oct 2007 16:38:35 EST http://cobrainsurance.com/help/questions/601/ Q: I am currently on my parents insurance, BCBS PPO. But I am pregnant and they are denying my claim because they do not cover dependent children who are pregnant. What should I do?A: COBRA is ... Patty Arreguin Wed, 31 Oct 2007 17:00:57 EST http://cobrainsurance.com/help/questions/602/ Q: An ex-employee does not choose COBRA for himself, but his spouse does. The spouse is on COBRA and has a baby. Can she add the baby to her COBRA coverage? A: Yes, COBRA law will allow th ... Patty Arreguin Thu, 01 Nov 2007 09:46:35 EST http://cobrainsurance.com/help/questions/603/ Q: My understanding is that IF you are on COBRA for 18 months, you are GUARANTEED an insurance plan even if you have pre-existing conditions (over-weight, ADHD, etc.) Is this true? A: If ... Patty Arreguin Thu, 01 Nov 2007 10:04:35 EST http://cobrainsurance.com/help/questions/604/ Q: I applied for, received, and began COBRA continuation insurance Oct 1, 2006. I applied for social security disability and received a "notice of award" dated Nov. 22, 2006. My local S.S. rep ... Patty Arreguin Thu, 01 Nov 2007 14:17:16 EST http://cobrainsurance.com/help/questions/605/ Q: Can I email people regarding my Cobra paperwork?A: It depends on your previous employer or their plan administrator. Some plan administrators will have a website for you to contact them a ... Patty Arreguin Fri, 02 Nov 2007 11:26:52 EST http://cobrainsurance.com/help/questions/606/ Q: I will be leaving my employment because of my husband's job. My last date of employment will be about 2 weeks before coverage at my husband's employer will take effect. Do I need coverage by ... Patty Arreguin Fri, 02 Nov 2007 11:53:11 EST http://cobrainsurance.com/help/questions/607/ Q: I wanted to know how I can sign up for cobra quickly as my coverage will be ending soon. A: The only way you will be able to elect COBRA is through your past employer. They will send th ... Patty Arreguin Fri, 02 Nov 2007 12:08:07 EST http://cobrainsurance.com/help/questions/608/ Q: If a person has cobra coverage but it is a self funded plan and this person also has coverage thru spouse employee group health plan, which plan is primary? A: An employee and their depende ... Patty Arreguin Fri, 02 Nov 2007 12:15:23 EST http://cobrainsurance.com/help/questions/609/ Q: On your main page where you do the comparisons from employer health INS and COBRA you state that you do not cover insurance for pre-existing conditions. I have just been layer off and have d ... Patty Arreguin Fri, 02 Nov 2007 12:24:00 EST http://cobrainsurance.com/help/questions/610/ Q: I have a question for group coverage. They have a member that is out on Long term disability and was receiving Cobra benefits. The carrier termed him because his cobra regular benefits were ... Patty Arreguin Fri, 02 Nov 2007 14:41:04 EST http://cobrainsurance.com/help/questions/611/ Q: I have recently started to work and haven't had insurance for approx 3 years. My insurance will not take effect for 6 months. Can I get COBRA?A: COBRA is a continuation of an employer's gro ... Patty Arreguin Fri, 02 Nov 2007 15:02:32 EST http://cobrainsurance.com/help/questions/612/ I Q: Have a friend who was divorced from her husband in March of 2007. She was on his employer's health insurance plan with their 4-year old and they are both still on it by way of his choosing ... Patty Arreguin Fri, 02 Nov 2007 16:00:38 EST http://cobrainsurance.com/help/questions/613/ Q: I sent payment for lapse coverage . Need to know if payment was received and applied to my account? A: Since you send your COBRA payments to your previous employer or their plan administrato ... Patty Arreguin Fri, 02 Nov 2007 16:39:25 EST http://cobrainsurance.com/help/questions/614/ Q: I worked for a company in Connecticut that employed more than 20 employees. I had an HMO health care policy. My last day with the company was October 1, 2007. I moved to Texas and I also hav ... Patty Arreguin Fri, 02 Nov 2007 16:48:49 EST http://cobrainsurance.com/help/questions/615/ Q: I am 16 weeks pregnant and just got married less than 30 days ago. My husbands insurance will cost us $6,000 once I am on his. Is there a cheaper plan for me through cobra?A: If you were on ... Patty Arreguin Fri, 02 Nov 2007 16:57:14 EST http://cobrainsurance.com/help/questions/616/ Q: If my employment is terminated due to FMLA being used up and I go to COBRA insurance, is it convertible to self-employment insurance if I get into something on my own? I also have a high exp ... Patty Arreguin Mon, 05 Nov 2007 11:38:30 EST http://cobrainsurance.com/help/questions/617/ Q: I quit my job and was told by my company that I would be receiving papers from COBRA for Dental and Medical insurance. I received my Dental Insurance papers from COBRA about two weeks ago, b ... Patty Arreguin Mon, 05 Nov 2007 15:22:12 EST http://cobrainsurance.com/help/questions/618/ Q: I am already paying COBRA to a past employer. I have a hypothetical question regarding if that employer went out of business what would their current employee’s rights be in retaining ... Patty Arreguin Mon, 05 Nov 2007 16:23:42 EST http://cobrainsurance.com/help/questions/619/ Q: I have a patient who moved from TX to IN. The previous employer paid for 6 months of cobra. The cobra policy was effective 4/1/07 and will term 10/31/07. The mother of our patient did not c ... Patty Arreguin Mon, 05 Nov 2007 16:38:01 EST http://cobrainsurance.com/help/questions/621/ Q: I am recently unemployed, all my employer said was your insurance stopped at the end of the month. I asked her if I could continue and and I will pay. She did not tell me about COBRA. Wha ... Patty Arreguin Mon, 05 Nov 2007 17:35:06 EST http://cobrainsurance.com/help/questions/622/ Q: I recently resigned/retired from my employment, without medical coverage, except for COBRA. I will not be returning to work and my husband has a pre-existing condition. He has back problems ... Patty Arreguin Mon, 05 Nov 2007 17:43:36 EST http://cobrainsurance.com/help/questions/623/ Q: I will lose coverage from my employer in a few months due to loss of hours. I know I will be covered by cobra, but will my spouse who uses my medical coverage as his primary medical and his ... Patty Arreguin Mon, 05 Nov 2007 17:59:53 EST http://cobrainsurance.com/help/questions/624/ Q: My cobra was terminated as of Oct 31, 2007 and cannot get insurance. I’m applying for Georgia Assignment System and they want a certificate of creditable coverage, how do I go about ge ... Patty Arreguin Tue, 06 Nov 2007 11:04:30 EST http://cobrainsurance.com/help/questions/625/ Q: I would like to know whether I am eligible for cobra insurance during 60-day grace period of F1-visa-Optional Practical Training (OPT) or not. Thank you.A: If you did not recently leave a pla ... Patty Arreguin Tue, 06 Nov 2007 11:12:32 EST http://cobrainsurance.com/help/questions/626/ Q: My stepdaughter elected NOT to enroll in Cobra, yet she received a bill for thousands of dollars that she apparently "accumulated" over the last year. Throughout this website and other paper ... Patty Arreguin Tue, 06 Nov 2007 11:44:53 EST http://cobrainsurance.com/help/questions/627/ Q: I believe my Cobra coverage has come to an end. I am not sure if this is due to late payments or if my coverage time is over. How do I find out this type of specific information regarding m ... Patty Arreguin Tue, 06 Nov 2007 12:02:39 EST http://cobrainsurance.com/help/questions/628/ Q: I have been informed that my COBRA payment went up in June 2007 $70.99 per month and them now want that payment in arrears. I think they are lying about the increase since I called and chec ... Patty Arreguin Tue, 06 Nov 2007 13:10:16 EST http://cobrainsurance.com/help/questions/629/ Q: I was "temporarily laid off from a job at a college. I have dental both through my job and my wife carries me as a dependent in order to boost our coverage. During the summer I had extensive ... Patty Arreguin Tue, 06 Nov 2007 15:41:30 EST http://cobrainsurance.com/help/questions/630/ Q: I'm on my husband's current insurance. He has accepted a new job starting in three weeks. We are in the process of filing for a divorce. Should I elect COBRA under my husband's current insura ... Patty Arreguin Tue, 06 Nov 2007 17:55:51 EST http://cobrainsurance.com/help/questions/631/ Q: I am pregnant and due in December. I want to know what my options would be for coverage when I take my maternity leave. I am currently employed and planning to return to same job. What are ... Patty Arreguin Wed, 07 Nov 2007 10:40:04 EST http://cobrainsurance.com/help/questions/632/ Q: I need to enroll in Cobra Insurance quickly. How can I do that? Is there a toll free number I can call now being a Sunday? Please let me know. A: Your employer is required by law to o ... Patty Arreguin Wed, 07 Nov 2007 11:22:03 EST http://cobrainsurance.com/help/questions/633/ Q: My husband is losing his job in 4 wks, no severance pay, or insurance, the company is closing. My youngest son who is 1 has been seeing an urologist since he was born and has a doctor appoin ... Patty Arreguin Tue, 18 Dec 2007 11:48:39 EST http://cobrainsurance.com/help/questions/742/ Q: The company I work for is going out of business in January. We have over 800 employees. I wanted to confirm if they have to provide COBRA by law in this case.A: If your employer is closing, ... Patty Arreguin Tue, 18 Dec 2007 12:04:46 EST http://cobrainsurance.com/help/questions/634/ Q: What can be done to appeal a denial of an 11 month disability extension of COBRA due to the Determination Notice was dated 7/03/2007 and received on 9/17/2007 by plan administrator which was ... Patty Arreguin Wed, 07 Nov 2007 12:45:30 EST http://cobrainsurance.com/help/questions/635/ Q: Do you know where I can find information about mini-COBRA in Mississippi for companies with 2-19personnel? A: COBRA is a federal law and applies to employers with more than 20 employees. ... Patty Arreguin Wed, 07 Nov 2007 13:05:58 EST http://cobrainsurance.com/help/questions/636/ Q: My employer group plan has life, dental and health insurance with three different companies. Is each of these coverages available under COBRA? A: COBRA is a continuation of health insur ... Patty Arreguin Wed, 07 Nov 2007 13:17:55 EST http://cobrainsurance.com/help/questions/637/ Q: I may be leaving my company (less than 20 employees). I need to know how to sign up with mini-cobra. I understand that this is handled directly by me and not through my company. and the prem ... Patty Arreguin Wed, 07 Nov 2007 16:57:05 EST http://cobrainsurance.com/help/questions/638/ Q: I was terminated and my insurance was deactivated the same time. I have a prescription for a medical condition that is very, expensive. If I pay for a prescription today; what if they don' ... Patty Arreguin Wed, 07 Nov 2007 17:24:34 EST http://cobrainsurance.com/help/questions/639/ Q: If I currently pay $200 per month for my premium while employed, what will be my premium cost be under cobra? (102% of my premium - would that be $204 or $404). Please could you clarify? A: ... Patty Arreguin Thu, 08 Nov 2007 14:43:34 EST http://cobrainsurance.com/help/questions/640/ Q: If a Military Member who has to leave for 1, 2 or 3 weeks for Active Duty and works a civilian company; does this company force them to take Cobra Coverage during that week or weeks? Most c ... Patty Arreguin Thu, 08 Nov 2007 15:00:20 EST http://cobrainsurance.com/help/questions/641/ Q: I was discharged by my employer over 30 days ago and have not received any information regarding COBRA. My question is, my employer is claiming that I was discharged due to "misconduct" caus ... Patty Arreguin Thu, 08 Nov 2007 17:39:29 EST http://cobrainsurance.com/help/questions/642/ Q: I need to pay my bill, may I do it on line?A: Generally, the employer or their plan administrator will process the monthly premiums payments they receive by mail in the form of check or money ... Patty Arreguin Mon, 12 Nov 2007 15:22:06 EST http://cobrainsurance.com/help/questions/643/ Q: If you are working for a company and you have their group health insurance and you work for only two weeks and leave, can you qualify for COBRA? A: As long as you have obtained health ... Patty Arreguin Fri, 21 Dec 2007 14:32:55 EST http://cobrainsurance.com/help/questions/644/ Q: I needed to know specifically if I can have my child covered by COBRA even if I do not elect to be covered by COBRA A: COBRA law allows the employee to elect coverage for just his depen ... Patty Arreguin Mon, 12 Nov 2007 16:18:24 EST http://cobrainsurance.com/help/questions/645/ Q: I would like to know if someone is laid off, when is the employee entitled to the COBRA contact information? A: The employer has up to 45 days from your last day of group benefits to mai ... Patty Arreguin Mon, 12 Nov 2007 16:25:26 EST http://cobrainsurance.com/help/questions/646/ Q: How may I obtain proof of coverage for my current employer? I ended employment with my previous carrier 07/31/06 and enrolled in Cobra until 10/06.A: After your COBRA coverage ended, your ... Patty Arreguin Mon, 12 Nov 2007 16:36:50 EST http://cobrainsurance.com/help/questions/647/ Q: My husband was unfairly terminated for misconduct/insubordination after 20 years of service. Does this qualify our family of 5 for COBRA benefits? A: If his previous employer has more ... Patty Arreguin Mon, 12 Nov 2007 16:57:32 EST http://cobrainsurance.com/help/questions/648/ Q: I am currently employed as a temporary employee and getting health insurance benefits. If I were to resign from my job for a permanent position (this company I signed up with does not deal ... Patty Arreguin Mon, 12 Nov 2007 17:16:53 EST http://cobrainsurance.com/help/questions/649/ Q: If I elect to have COBRA afte receiving the initial notice, can I cancel the coverage at any time? A: You have the right cancel your COBRA coverage at any time you want. You will need to no ... Patty Arreguin Tue, 13 Nov 2007 12:14:42 EST http://cobrainsurance.com/help/questions/650/ Q: I have been paying my COBRA directly to the provider. Recently I went to pick up a Rx and found out my insurance was cancelled. My ex employee changed health plans for the group on 8/1/07 an ... Patty Arreguin Tue, 13 Nov 2007 12:49:42 EST http://cobrainsurance.com/help/questions/651/ Q: I am currently working for a company in Trinidad Tobago but I will go to another company in Venezuela at the end of this month. My home address is in Houston and I need to know if COBRA has ... Patty Arreguin Tue, 13 Nov 2007 12:59:48 EST http://cobrainsurance.com/help/questions/652/ . Q: I presently have COBRA insurance for myself and spouse. I am now changing to Medicare for myself effective Oct 1, 2007 and will continue COBRA coverage for my husband. The administrator ... Patty Arreguin Thu, 15 Nov 2007 12:06:16 EST http://cobrainsurance.com/help/questions/653/ Q: I am coming off my parents insurance. They have Kaiser which is further than 3 hours from where I live. If I elect to have COBRA can I select a different type of health care or a doctor ou ... Patty Arreguin Tue, 13 Nov 2007 17:50:27 EST http://cobrainsurance.com/help/questions/654/ Q: I returned to work on August 27th after a 24 week sabbatical. My company benefits started effective Sept 1st. I paid Cobra for the month of September. How do I get my payment back since I wa ... Patty Arreguin Thu, 20 Dec 2007 14:27:15 EST http://cobrainsurance.com/help/questions/655/ Q: I am a single parent. Me and my 8-year old son are currently on COBRA from my old employer. My new employer DOES NOT offer group health insurance. My Cobra insurance expires on March 31, 200 ... Patty Arreguin Wed, 14 Nov 2007 13:00:47 EST http://cobrainsurance.com/help/questions/656/ Q: My husband has been laid off from his job for six months. The company has paid for the first six months of insurance. I called the person in charge of COBRA for the company and she said tha ... Patty Arreguin Wed, 14 Nov 2007 13:18:01 EST http://cobrainsurance.com/help/questions/657/ Q: I have my employer’s group health insurance right now and I am very shortly going to go on maternity leave from my employer and was wondering about the 1-12 month cobra insurance and ... Patty Arreguin Wed, 14 Nov 2007 15:26:34 EST http://cobrainsurance.com/help/questions/658/ Q: I have an 18-month limit on COBRA coverage. Has there been any new legislation that would allow me to extend it another 18 months till I could qualify for Medicaid? If not, do you have any s ... Patty Arreguin Wed, 14 Nov 2007 15:33:30 EST http://cobrainsurance.com/help/questions/659/ Q: I am considering taking a severance package from my current employer. I am employed by a US company and assigned to Shanghai, China. My daughter and I are US citizens. My wife is a green car ... Patty Arreguin Wed, 14 Nov 2007 16:48:52 EST http://cobrainsurance.com/help/questions/660/ Q: I left one job for another and my benefits don’t kick in for 90 days. This is obviously past the 62 day limit, but if nothing happens to me for the remaining 28 days is it necessary t ... Patty Arreguin Wed, 14 Nov 2007 17:35:25 EST http://cobrainsurance.com/help/questions/661/ Q: Today I received a returned check for my coverage. The reason was stated as going over the grace period by "11" day. I need that coverage due to the situation of being unemployed and having ... Patty Arreguin Wed, 14 Nov 2007 17:48:08 EST http://cobrainsurance.com/help/questions/662/ Q: How long does an employer have to give COBRA to an employee that has been termed? A: The employer or their plan administrator has up to 45 days to mail you the COBRA packet from your last ... Patty Arreguin Wed, 14 Nov 2007 17:54:09 EST http://cobrainsurance.com/help/questions/663/ Q: My 18 months of COBRA coverage will end August of '08. At that time I will be eligible for Medicare; my wife however, will not yet be eligible for Medicare. Can she continue to get coverage ... Patty Arreguin Thu, 20 Dec 2007 17:06:54 EST http://cobrainsurance.com/help/questions/664/ Q: If I can't afford the Cobra after 6 months can I replace it with something else before it expires?A: Yes, you have the right to cancel your COBRA coverage at anytime. Most people are not aw ... Patty Arreguin Thu, 15 Nov 2007 12:48:18 EST http://cobrainsurance.com/help/questions/665/ Q: If your employer has 45 days to send you COBRA info and you have another 60 days to decide to take it or not, do you have any coverage during these 105 days?A: Only if you elect COBRA by su ... Patty Arreguin Thu, 15 Nov 2007 15:22:11 EST http://cobrainsurance.com/help/questions/668/ Q: At the present time, my husband and I are insured with COBRA. My husband is also receiving Medicare. Is he able to receive insurance through both insurers? Please let me know the answer as ... Patty Arreguin Thu, 15 Nov 2007 17:22:34 EST http://cobrainsurance.com/help/questions/669/ Q: I have a question regarding my Cobra Insurance. I made a payment for Oct/Nov and it just cleared my bank last week since, I paid for Oct will there be any adjustments for that? A: COBRA is a ... Patty Arreguin Thu, 15 Nov 2007 17:33:53 EST http://cobrainsurance.com/help/questions/670/ Q: I resigned from my previous employer on 7/21/07. I had Dental Ins. with them and to date have not received any information re: COBRA (11/16/07) 4 months. I have started with a new job with ... Patty Arreguin Mon, 28 Jan 2008 13:23:58 EST http://cobrainsurance.com/help/questions/671/ Q: I am 1 month pregnant and recently got news that my company is closing my location on Dec 31st. What are my options on continued health care and how much is this going to cost me? A: ... Patty Arreguin Fri, 16 Nov 2007 17:17:24 EST http://cobrainsurance.com/help/questions/672/ Q: I cannot find my paperwork, I had my son covered through COBRA since July 2006 and paid 90+ dollars. I have no idea whether he is still covered. He was covered under my husband’s group ... Patty Arreguin Fri, 16 Nov 2007 17:44:43 EST http://cobrainsurance.com/help/questions/673/ Q: I have been terminated from a professional position within a church organization (Music Director). It is a very large organization using a corporate/secular group health plan. Are ALL church ... Patty Arreguin Mon, 19 Nov 2007 14:38:00 EST http://cobrainsurance.com/help/questions/674/ Q: I need a list of eye doctors that work with this company! A: COBRA is NOT an insurance company. COBRA is a federal law that requires an employer to offer the employee continuation of the ... Patty Arreguin Mon, 19 Nov 2007 14:58:07 EST http://cobrainsurance.com/help/questions/675/ Q: I was just laid off while on maternity leave. I don't know how long this layoff will be or when/if I get hired back. Should I apply for COBRA now or wait till the end of my maternity leave ... Patty Arreguin Mon, 19 Nov 2007 16:36:04 EST http://cobrainsurance.com/help/questions/677/ Q: I work for a school. Last school year I worked part time, 3 days. This school year I went to 2 days. Last year I had coverage at a higher rate. On November 14, I received a letter stating b ... Patty Arreguin Tue, 20 Nov 2007 14:02:38 EST http://cobrainsurance.com/help/questions/678/ Q: My employer is cancelling our insurance plan at the end of the year. We will instead be offered health care savings accounts. If I resign my job before that time, can I continue my original ... Patty Arreguin Tue, 20 Nov 2007 14:25:44 EST http://cobrainsurance.com/help/questions/679/ Q: I am considering taking employment with a different company. I like my medical coverage I have now with my existing provider Aetna vs. the medical plan being offered to me. What are my opti ... Patty Arreguin Tue, 20 Nov 2007 16:00:25 EST http://cobrainsurance.com/help/questions/680/ Q: I was divorced last year and am continuing COBRA coverage through my former wife's employer group plan. If I were to get remarried within the 3-year period of eligible coverage, will I have ... Patty Arreguin Tue, 20 Nov 2007 17:47:32 EST http://cobrainsurance.com/help/questions/681/ Q: My parents are on a group plan, with my mother being the primary, and she just left her company. She is interested in both she and my father going onto Cobra, but she is healthy enough to go ... Patty Arreguin Wed, 21 Nov 2007 15:38:49 EST http://cobrainsurance.com/help/questions/682/ Q: If I work for a company that will be eliminating medical benefits for the hourly employees, but retaining new coverage for the salaried employees with a new carrier; will I be eligible for ... Patty Arreguin Wed, 21 Nov 2007 16:05:44 EST http://cobrainsurance.com/help/questions/683/ Q: I was recently let go from a company who has insurance group health insurance. They tell me that in order to avoid any lapse in coverage I need to pay by the 20th of the month prior to my co ... Patty Arreguin Wed, 21 Nov 2007 16:40:53 EST http://cobrainsurance.com/help/questions/684/ Q: My insurance was terminated 6/30/2007. I made several requests for COBRA info finally received my packet in mid October. 3-1/2 months later! Now I have to pay 5 months at one to receive my ... Patty Arreguin Wed, 21 Nov 2007 17:14:58 EST http://cobrainsurance.com/help/questions/685/ Q: Can a non USA citizen qualify for COBRA? Can a USA resident qualify even though they are not a US citizen? A: COBRA laws applies to all US employers with more than 20 employees. If your emp ... Patty Arreguin Wed, 21 Nov 2007 17:55:23 EST http://cobrainsurance.com/help/questions/686/ Q: I have just begun COBRA after having left my employment of 9 years. Now, I am considering another job with health insurance benefits. If I take this job, how long must I work to again qualif ... Patty Arreguin Thu, 29 Nov 2007 13:58:51 EST http://cobrainsurance.com/help/questions/687/ Q: If an employee has just been reduced in hours, how long until they are eligible for COBRA? Do they have COBRA based on our current health plan or the one that we will be switching to in a m ... Patty Arreguin Thu, 29 Nov 2007 14:10:26 EST http://cobrainsurance.com/help/questions/688/ Q: It’s been longer than 45 days and I have not received any cobra info. I’m with another company now but I have a doctor’s appointment soon because I’m pregnant and nee ... Patty Arreguin Thu, 29 Nov 2007 14:59:57 EST http://cobrainsurance.com/help/questions/689/ Q: Is my COBRA coverage still valid? If so do I still have emergency medical coverage WHEREVER I am traveling on the planet? Do you know at this time when my COBRA will expire? A: You ca ... Patty Arreguin Thu, 29 Nov 2007 16:21:26 EST http://cobrainsurance.com/help/questions/690/ Q: I am a student and will be graduating December 15, 2007. My insurance purchased through my university will end that date and coverage through my new employer will not begin until 30 days aft ... Patty Arreguin Thu, 29 Nov 2007 16:58:04 EST http://cobrainsurance.com/help/questions/691/ Q: We just applied for Cobra Insurance. Our daughter, who is in college, has decided to get her own policy thru the school. Is there a way my husband and I can go to the Employee plus one inst ... Patty Arreguin Thu, 29 Nov 2007 17:36:10 EST http://cobrainsurance.com/help/questions/692/ Q: When I go from Cobra to individual health insurance (after 18 months of Cobra), will preexisting conditions be an issue? A: If you apply for an individual policy it would not be a guara ... Patty Arreguin Fri, 30 Nov 2007 12:06:43 EST http://cobrainsurance.com/help/questions/693/ Q: I am 62 and a teacher. If I choose to retire from my current position in June, am I entitled to continue with my current health plan under a Cobra plan? A: Under COBRA law, an employer ... Patty Arreguin Fri, 30 Nov 2007 13:06:53 EST http://cobrainsurance.com/help/questions/695/ Q: Where do I send the receipts for medication that I had to pay full price for while waiting for my COBRA coverage to begin?A: You would need to submit your receipts to the insurance company ... Patty Arreguin Wed, 05 Dec 2007 10:29:16 EST http://cobrainsurance.com/help/questions/696/ Q: I received the Cobra election form in the mail but have since lost it. Is there a way to apply online or receive another form quickly? A: You should contact your previous employer a ... Patty Arreguin Wed, 05 Dec 2007 13:18:47 EST http://cobrainsurance.com/help/questions/697/ Q: I was terminated on the 26th of October. My son was rushed to the hospital 6 days later due to Respiratory problems. My insurance company is refusing to pay the bill, stating that it was aft ... Patty Arreguin Wed, 05 Dec 2007 15:49:28 EST http://cobrainsurance.com/help/questions/698/ Q: My insurance switched over to Cobra, but when I tried to pick up my prescriptions, it said I wasn't covered. Who do I contact to fix this problem? A: You should contact your previous e ... Patty Arreguin Wed, 05 Dec 2007 17:13:30 EST http://cobrainsurance.com/help/questions/699/ Q: I was terminated and given no official notice of COBRA, but rather a verbal notice along with a figure that I had to provide the company on a monthly basis to continue Medical Insurance cove ... Patty Arreguin Wed, 05 Dec 2007 17:46:31 EST http://cobrainsurance.com/help/questions/700/ Q: This is regarding prescription coverage. My check has been received at Cobra, but when I went to fill a prescription, they had nothing on their computer as to what my co-payment would be. ... Patty Arreguin Thu, 06 Dec 2007 12:51:44 EST http://cobrainsurance.com/help/questions/701/ Q: I was laid off and I have spoke to the corporate office by phone once, and sent an email once. I have never heard back or received anything concerning COBRA. What do I do now? A: If you ... Patty Arreguin Thu, 06 Dec 2007 12:56:45 EST http://cobrainsurance.com/help/questions/702/ Q: I recently had my hours cut at work. I have not gotten a new policy yet and had an injury. It was not work related. Since the injury was an emergency, I needed to get treatment right away. I ... Patty Arreguin Thu, 06 Dec 2007 13:12:45 EST http://cobrainsurance.com/help/questions/705/ Q: I am currently resigning from my job on December 3rd so I will be covered for the entire month of December. I was wondering about the "Sit and Wait" approach prior to electing coverage, sinc ... Patty Arreguin Thu, 06 Dec 2007 16:13:55 EST http://cobrainsurance.com/help/questions/706/ Q: My husband has not received any COBRA forms to fill out since he was laid off. I have called TX and inquired from corporate and was told "we haven't forgotten about you" our regular insuranc ... Patty Arreguin Thu, 06 Dec 2007 16:30:57 EST http://cobrainsurance.com/help/questions/707/ A: Can you send me the phone number to contact the company for information on Cobra insurance? I have looked at the question page online and still have more questions. Q: There is no pho ... Patty Arreguin Thu, 06 Dec 2007 16:59:50 EST http://cobrainsurance.com/help/questions/708/ A: Does the initial payment that has to be made within 45 days of the Election Coverage include holidays and weekends?Q: The first COBRA payment must be made with in 45 days including weekends a ... Patty Arreguin Thu, 06 Dec 2007 17:08:39 EST http://cobrainsurance.com/help/questions/709/ Q: I am currently switching jobs and need Cobra Insurance until my 90 days is over with the new company. Once that time period is over, I will be eligible for their health insurance plan. How do ... Patty Arreguin Fri, 07 Dec 2007 14:07:03 EST http://cobrainsurance.com/help/questions/710/ Q: A relative has just left his job and knows that he will be having tests to determine an illness within the next two weeks but needs insurance. Does this affect coverage? A: If his previous ... Patty Arreguin Fri, 07 Dec 2007 14:43:37 EST http://cobrainsurance.com/help/questions/711/ Q: I am going to need COBRA coverage for about 5 months. I don't plan on needing medical coverage except for emergencies. Is it true that I do not have to pay for COBRA coverage if I do not end ... Patty Arreguin Fri, 07 Dec 2007 14:53:05 EST http://cobrainsurance.com/help/questions/712/ Q: I sent in my premium for 3 months coverage. I later had a claim that was denied as the plan administrator claims to not have rec'd my check. I have no way of proving that I sent in the check ... Patty Arreguin Fri, 07 Dec 2007 15:27:25 EST http://cobrainsurance.com/help/questions/713/ Q: I was terminated. I went to get a prescription filled and the pharmacy said my insurance was cancelled. Since I was terminated I have had several doctor appointments and I am scheduled fo ... Patty Arreguin Fri, 07 Dec 2007 16:08:07 EST http://cobrainsurance.com/help/questions/714/ Q: I recently retired from my job at a franchise. There were only a few of us on the health plan there although I believe the corporate office determines the health plan, etc. Will I qualify f ... Patty Arreguin Fri, 07 Dec 2007 16:23:12 EST http://cobrainsurance.com/help/questions/715/ Q: The employer got my completed application for COBRA on the same day it was they emailed it to me and I hand delivered my payment to them a few days later; which they deposited. Today, when ... Patty Arreguin Fri, 07 Dec 2007 16:50:15 EST http://cobrainsurance.com/help/questions/716/ A: COBRA law has specific requirements about the extension due to a disability. The Social Security Administration must deem you disabled before or during the first 60 days of COBRA continuati ... Patty Arreguin Fri, 07 Dec 2007 17:27:41 EST http://cobrainsurance.com/help/questions/717/ Q: My husband’s health plan terminated due to a qualifying event. We received the COBRA continuation letter. I replied and elected to enroll. I have not recieved any correspondence from ... Patty Arreguin Fri, 07 Dec 2007 18:00:47 EST http://cobrainsurance.com/help/questions/718/ Q: I worked for an employer that had less than 20 employees and I live in New York state, what kind of family coverage should I be seeking. A: If the employer has less than 20 employees they ma ... Patty Arreguin Thu, 13 Dec 2007 11:00:20 EST http://cobrainsurance.com/help/questions/719/ Q: Is attempted suicide covered under Cobra or any health insurance policy?A: COBRA is a continuation of an employer's group health plan. You will need to contact your benefits manager for cove ... Patty Arreguin Thu, 03 Jan 2008 11:51:43 EST http://cobrainsurance.com/help/questions/720/ Q: An employee dies and his spouse is over 55. Someone told her that she can be on COBRA until she can receive Medicare Is that true or is it still 36 months for her. 2. If the employer switche ... Patty Arreguin Thu, 13 Dec 2007 11:16:09 EST http://cobrainsurance.com/help/questions/721/ Q: I am covered on my spouse’s medical insurance and we are in the process of a divorce. I know I can get cobra coverage for 36 months, but will be virtually uninsurable after that due t ... Patty Arreguin Thu, 13 Dec 2007 11:31:38 EST http://cobrainsurance.com/help/questions/722/ Q: My wife's COBRA is about to expire (18 month are over), and we need to get on Cal-COBRA or a HIPP. How do we switch to Cal-COBRA. I understand that in California we can have a 18 month extens ... Patty Arreguin Thu, 13 Dec 2007 11:40:52 EST http://cobrainsurance.com/help/questions/723/ Q: I am considering accepting a one year assignment with an agency. This agency does not offer a full coverage health plan. Can I keep my COBRA coverage while working and just not receive health ... Patty Arreguin Thu, 13 Dec 2007 11:58:39 EST http://cobrainsurance.com/help/questions/724/ Q: I moved to California from New York a year ago. I am collecting under Cobra and because of pre existing conditions am having difficulty getting insurance here in California. Can I extend my Co ... Patty Arreguin Thu, 13 Dec 2007 12:10:48 EST http://cobrainsurance.com/help/questions/725/ Q: I currently have COBRA. According to California law, I am able to extend my COBRA coverage to 36 months, which I need to do. Please let me know if I need to fill out any forms, etc., any thing ... Patty Arreguin Thu, 13 Dec 2007 12:37:20 EST http://cobrainsurance.com/help/questions/726/ Q: My dad is on long term disability and we are now in a bind, because the vision and health plan we have only lasts for 18months and now it is ending. We have Cobra Health insurance. What woul ... Patty Arreguin Thu, 13 Dec 2007 12:57:18 EST http://cobrainsurance.com/help/questions/727/ Q: I am looking into new employment; there will be a 30 day lapse between my old insurance (through the place of employment I am currently at) and the new insurance (through the new employer). ... Patty Arreguin Fri, 14 Dec 2007 12:35:38 EST http://cobrainsurance.com/help/questions/728/ Q: My insurance with my current employer covers infertility treatment. I have been offered a job with another company whose insurance does not cover infertility treatment (invitro-fertilizatio ... Patty Arreguin Fri, 14 Dec 2007 13:07:37 EST http://cobrainsurance.com/help/questions/729/ Q: I would like to know on which month and which day that my insurance will be discontinued. Could you send me a copy of when I first received it and the end of my coverage? A: You nee ... Patty Arreguin Fri, 14 Dec 2007 13:16:52 EST http://cobrainsurance.com/help/questions/730/ Q: Do I have to go through my former employer to purchase Cobra? Also, does the coverage premium go by the state that you will be residing in, or the state that you were working in?A: The only w ... Patty Arreguin Fri, 14 Dec 2007 13:39:12 EST http://cobrainsurance.com/help/questions/731/ How do I go about obtaining COBRA if my employer is under 20 employees and my new employer will pay for COBRA?If the company has less than 20 employees they are not subject to the federal law and ... Patty Arreguin Fri, 14 Dec 2007 14:32:59 EST http://cobrainsurance.com/help/questions/732/ Q: I have COBRA coverage for my wife and me. It will terminate June 1, 2008. I will be 65 on April 10, 2008. Will I lose my COBRA coverage then? What If I do not take Medicare B, do I sti ... Patty Arreguin Fri, 14 Dec 2007 16:07:21 EST http://cobrainsurance.com/help/questions/733/ Q: I quit my last job on 11-09-07, I have been told that my first payment is due in December 07, does this sound correct? Is there no grace period between the time I quit and the time the fir ... Patty Arreguin Fri, 14 Dec 2007 17:24:45 EST http://cobrainsurance.com/help/questions/734/ Q: I was terminated and my former HR Mgr. has notified me via e-mail that my coverage will be cancelled tomorrow is payment in full isn't received. Questions are: Don't I have 45 days on the I ... Patty Arreguin Fri, 14 Dec 2007 17:28:35 EST http://cobrainsurance.com/help/questions/735/ Q: If an employee loses coverage on his 67th birthday due to retirement on that date, is the spouses 36 month COBRA eligibility reduced due to the spouse's being over 65 at the loss of coverag ... Patty Arreguin Fri, 14 Dec 2007 17:55:31 EST http://cobrainsurance.com/help/questions/736/ Q: My ex employers are trying to stop my Cobra coverage. I do not believe I have reached my 18 month coverage. How can I find out how long I have been paying in for Cobra?A: You can call your i ... Patty Arreguin Mon, 17 Dec 2007 13:17:32 EST http://cobrainsurance.com/help/questions/737/ Q: My husband was employed by a company for 35 years. He suffered a stroke and retired on July 1, 2007. His company has been paying for both his and my insurance. He will be eligible for Medica ... Patty Arreguin Mon, 17 Dec 2007 15:20:09 EST http://cobrainsurance.com/help/questions/738/ Q: The company that my husband had worked for almost 30 years is closing their doors and moving production to China. My husband's employment was terminated and part of his severance package was ... Patty Arreguin Mon, 17 Dec 2007 16:45:10 EST http://cobrainsurance.com/help/questions/739/ Q: I was diagnosed with prostate cancer over a year ago. Had my prostate removed (prostatectomy) on 12-15-06. Have had no evidence of cancer since - numerous blood tests with non-detectable PS ... Patty Arreguin Mon, 17 Dec 2007 17:07:15 EST http://cobrainsurance.com/help/questions/740/ Q: I'm an employee of a small company with 5 full-time employees. I have a job offer in front of me, but it includes a 90-day waiting period before I can get insurance through them, and I canno ... Patty Arreguin Mon, 17 Dec 2007 17:40:51 EST http://cobrainsurance.com/help/questions/741/ Q: My employment being terminated due to downsizing. I am 60 years old and my wife is 55. Both I and my wife have pre-existing medical conditions (heart disease and cancer) and therefore we wi ... Patty Arreguin Mon, 17 Dec 2007 17:58:06 EST http://cobrainsurance.com/help/questions/743/ Q: I was laid off and lost health coverage from my employer about 5 months ago. At the time, I opted not go ahead with COBRA because I figured to find a job soon, but that didn't work out as e ... Patty Arreguin Tue, 18 Dec 2007 13:44:34 EST http://cobrainsurance.com/help/questions/744/ Q: I was laid off about 7 months ago and was offered by my employer the possibility of staying on the group health (I paid for it all) or going on COBRA. Now I have gone through a divorce an ... Patty Arreguin Tue, 18 Dec 2007 14:16:00 EST http://cobrainsurance.com/help/questions/745/ Q: I am currently on bed rest. I have NOT worked for my company for less than 1 year since I have not worked for my employer for more than one year I do not qualify for FMLA and I have no sic ... Patty Arreguin Tue, 18 Dec 2007 17:11:07 EST http://cobrainsurance.com/help/questions/746/ Q: I recently started my Cobra coverage at the beginning of November. I just applied for new coverage this afternoon. Will I need to get another month of the COBRA coverage so that I avoid a l ... Patty Arreguin Tue, 18 Dec 2007 17:23:06 EST http://cobrainsurance.com/help/questions/747/ Q: What happens if payment is received 33days late instead of 30? Can the administrator still accept payment? Can the grace period be extended? A: If your COBRA payment is not made in a time ... Patty Arreguin Tue, 18 Dec 2007 17:43:26 EST http://cobrainsurance.com/help/questions/748/ Q: I lost my husband in April and I have been on COBRA insurance through his workplace. They are now telling me that my payments are going to double as of January 1. I thought I have a year bef ... Patty Arreguin Thu, 20 Dec 2007 17:02:35 EST http://cobrainsurance.com/help/questions/749/ Q: I work in sales and do to my production in 2007 I will no longer be eligible for benefits going into 2008. Am I eligible for cobra insurance? My wife is 7 months pregnant and I have no idea ... Patty Arreguin Wed, 19 Dec 2007 17:59:26 EST http://cobrainsurance.com/help/questions/750/ Q: I get COBRA now and have been offered a part-time job. Will I lose my benefits if I accept this job?A: No, as long as you don't obtain other health insurance coverage from a new employer's ... Patty Arreguin Thu, 20 Dec 2007 11:26:47 EST http://cobrainsurance.com/help/questions/751/ Q: I quit my job and started a new job on 9/13/07. I did not sign up for COBRA, and in the meantime I have incurred medical expenses in November. Can I sign up for COBRA now, and extend the cov ... Patty Arreguin Thu, 20 Dec 2007 12:00:38 EST http://cobrainsurance.com/help/questions/753/ Q: I work for an insurance company. If I don't hit a certain number by 12/31/07, I will no longer be eleigible for my companies health insurance. My wife is 7 1/2 months pregnant. Will I be eleig ... Patty Arreguin Thu, 20 Dec 2007 12:29:14 EST http://cobrainsurance.com/help/questions/754/ Q: I am 5 months pregnant and may be losing my job in January, the company is closing. Most of our employees are independent 1099 contractors leaving us only maybe 5 that would qualify as "employ ... Patty Arreguin Thu, 20 Dec 2007 12:40:34 EST http://cobrainsurance.com/help/questions/755/ Q: My husband lost his job. I was told that an employer has to offer you COBRA within 45 days. They do offer COBRA, they are not a government or small business, they have 100's of employees. T ... Patty Arreguin Thu, 20 Dec 2007 16:09:29 EST http://cobrainsurance.com/help/questions/756/ Q: Currently if an employee and his spouse are covered under COBRA for the 18 months and then are subject to HIPAA that allow individual insurance to be obtained without proof of insurability; ... Patty Arreguin Thu, 20 Dec 2007 16:14:15 EST http://cobrainsurance.com/help/questions/757/ 10/01/2007I took a job where there is insuance. I thought my cobra ended 8/31/2007 so I did not send the next (Sept) month payment. However, I received a collection letter from my heathcare insura ... Patty Arreguin Thu, 20 Dec 2007 17:28:14 EST http://cobrainsurance.com/help/questions/758/ Q: My son is about to apply for Medical Disability can he be covered under COBRA pending final determination of application.A: COBRA is a federal law that gives employees and their dependents ... Patty Arreguin Thu, 20 Dec 2007 17:43:28 EST http://cobrainsurance.com/help/questions/759/ Q: If I lose my job in New York City, can I go on Cobra and eventually move to Florida and still maintain my coverage? A: If there are more than 20 employees at the job you are leaving, then t ... Patty Arreguin Fri, 21 Dec 2007 09:41:08 EST http://cobrainsurance.com/help/questions/760/ Q: When an employee in NY State goes on COBRA, can they move to Florida and maintain their coverage? A: If your past employer has more than 20 employees then they are legally obligated to offe ... Patty Arreguin Wed, 02 Jan 2008 16:02:37 EST http://cobrainsurance.com/help/questions/761/ Q: Can my spouse take me off her group medical insurance with her employer before divorce is final there is no legal separation or final divorce decree yet she just took me off. A: The employe ... Patty Arreguin Fri, 21 Dec 2007 12:16:53 EST http://cobrainsurance.com/help/questions/762/ Q: I just lost my job today. They said I would be able to take COBRA insurance. I would llike to get information on how to enroll. A: Your previous employer is required under COBRA federal law ... Patty Arreguin Wed, 16 Jan 2008 17:07:17 EST http://cobrainsurance.com/help/questions/763/ Q: My employer switched insurance companies in November 2007 from Anthem to Summa with an effective date of 12/1/2007. I was terminated on December 27, 2007; thus only having the Summa insuranc ... Patty Arreguin Fri, 28 Dec 2007 15:37:35 EST http://cobrainsurance.com/help/questions/764/ Q: I am leaving my current job and this is also the date for my insurance termination. I have 60 days from this date to elect or waive COBRA coverage. I was offered both health and dental insuran ... Patty Arreguin Fri, 28 Dec 2007 15:53:11 EST http://cobrainsurance.com/help/questions/765/ Q: I need to get a prescription refilled now, and although it's 4 weeks since I left my employer I still haven't received the COBRA info or application or bill or whatever. Who do I contact to ge ... Patty Arreguin Mon, 31 Dec 2007 14:15:28 EST http://cobrainsurance.com/help/questions/766/ Q: I left my previous job on November 2nd 2007 and I still have not recieved information concerning my cobra selection. What do I need to do to make this happen and who do I need to contact. Is ... Patty Arreguin Wed, 02 Jan 2008 11:44:55 EST http://cobrainsurance.com/help/questions/767/ Q: I'm going through a divorce and my lawyer has informed me that by law I have to provide my wife with a Contact for Cobra Insurance. Can you please provide me with a person my wife can contact ... Patty Arreguin Wed, 02 Jan 2008 16:00:24 EST http://cobrainsurance.com/help/questions/768/ Q: I recently started on COBRA coverage, so that I could continue the same coverage that I had with my previous employer. This past Sunday, I went to my local pharmacy to pick up a prescription ... Patty Arreguin Wed, 02 Jan 2008 16:46:43 EST http://cobrainsurance.com/help/questions/769/ Q: My husband is starting a new job on Jan 3rd. I am currently 4 months pregnant and am seeing a specialty Dr (Perinatologist) due to complications. This care is currently covered by our PPO. H ... Patty Arreguin Thu, 03 Jan 2008 11:09:31 EST http://cobrainsurance.com/help/questions/770/ Q: I have a question about my COBRA coverage in the past. I am currently applying for a health plan and it is asking for my start date, termination date, and carrier. I need to know this inform ... Patty Arreguin Thu, 03 Jan 2008 11:37:40 EST http://cobrainsurance.com/help/questions/771/ Q: I have 2 questions. 1) If I choose COBRA, do I have to choose my former employer's plan or can I shop around for 1 more suitable to me? 2) If I get employed somewhere that doesn't have heal ... Patty Arreguin Thu, 03 Jan 2008 11:49:58 EST http://cobrainsurance.com/help/questions/772/ Q: Can COBRA continue for dental insurance that includes Orthodontia on old employer because new employers dental does not have Orho benefit?A: Yes. You are allowed to keep your COBRA and have ... Patty Arreguin Thu, 03 Jan 2008 11:59:57 EST http://cobrainsurance.com/help/questions/773/ Q: I recently resigned from my position where I had full medical coverage. I was told that I could elect to continue my coverage under COBRA until 60 days after the date my BCBS coverage ended. ... Patty Arreguin Thu, 03 Jan 2008 12:10:17 EST http://cobrainsurance.com/help/questions/774/ Q: I'm coming to the end of my 18 months on COBRA and during that time I was diagnosed with cancer and my wife was diagnosed with diabetes and a heart condition. Can I extend my COBRA coverage for ... Patty Arreguin Thu, 24 Jan 2008 15:09:14 EST http://cobrainsurance.com/help/questions/775/ Q: I filled out the paperwork to receive the coupons that my former employer is providing, however, I didn't get them back in time to get the one for January '08 postmarked by the last day of Dec ... Patty Arreguin Thu, 03 Jan 2008 12:32:32 EST http://cobrainsurance.com/help/questions/776/ Q: We sent in our check a month ago (for November), and have since sent in Dec. and Jan. payments, yet when I go to my plan's website, it still says I have no insurance as of 10/31/07. A: It w ... Patty Arreguin Thu, 03 Jan 2008 13:00:32 EST http://cobrainsurance.com/help/questions/777/ Q: How do I view my account on line? A: You should contact your previous employer or their COBRA plan administrator. Some plan administrators have websites that you can view your account and ... Patty Arreguin Thu, 03 Jan 2008 16:14:05 EST http://cobrainsurance.com/help/questions/778/ Q: After my wife gives birth and takes Maternity Leave from her job and after she exhausts all other forms of coverage, I am told that she will be eligible for COBRA. 1. Is that true? 2. How ... Patty Arreguin Thu, 03 Jan 2008 17:03:00 EST http://cobrainsurance.com/help/questions/779/ Q: I will have a gap of 7-8 months between the time my original Cobra coverage ends and when I can get on Medicare (turning 65). Can I get a Cobra extension to cover this time period? I was told ... Patty Arreguin Thu, 03 Jan 2008 18:04:57 EST http://cobrainsurance.com/help/questions/780/ Q: I have recently left my job for another one. I will be covered by my new employer. Can I elect the COBRA coverage for my husband without electing it for myself?A: On the election form (that yo ... Patty Arreguin Tue, 08 Jan 2008 13:16:43 EST http://cobrainsurance.com/help/questions/781/ Q: I just got married and need to change my last name - what do I do? A: You will need to contact your previous employer or their COBRA plan administrator. They will send you revised insurance ... Patty Arreguin Tue, 08 Jan 2008 13:28:21 EST http://cobrainsurance.com/help/questions/782/ Q: I ended my employment (last working day) on Nov. 16, 2007. I was told by my employer I would not be receiving any notification from them regarding future payment/termination of health benefi ... Patty Arreguin Tue, 08 Jan 2008 16:58:15 EST http://cobrainsurance.com/help/questions/783/ Q: I was never issued or sent COBRA insurance, and told they did not have to offer this, is that true for a fortune 50 company?A: COBRA is not an insurance company, it is a federal law. An emplo ... Patty Arreguin Tue, 08 Jan 2008 17:26:48 EST http://cobrainsurance.com/help/questions/784/ Q: I've had COBRA for 18 months, Im still under doctors care for a heart condition, its been six years and I've been ok. Can I extend the coverge because of my doctors care?A: COBRA law has spe ... Patty Arreguin Tue, 08 Jan 2008 17:37:12 EST http://cobrainsurance.com/help/questions/785/ Q: If an employee is laid off and uses the COBRA plan for 6 months, then is re-instated at her former position within the same company and was laid off again or the company closed is she eligib ... Patty Arreguin Tue, 08 Jan 2008 18:03:37 EST http://cobrainsurance.com/help/questions/786/ Q: My coverage terminates January 5, 2008 with a 31 day grace period. My question is I am currently receiving treatment for a broken wrist and will need a surgery in the future for pin removal ... Patty Arreguin Wed, 09 Jan 2008 12:08:12 EST http://cobrainsurance.com/help/questions/787/ Q: I was a dependent of my parents vision insurance and I received the letter that said that I could elect to keep my insurance through COBRA. I left the letter at their house a couple weeks ago ... Patty Arreguin Wed, 09 Jan 2008 12:15:23 EST http://cobrainsurance.com/help/questions/788/ Q: I just quit a job in Honolulu, HI and just move back to Guam. Will my COBRA insurance cover medical in Guam? Also, what is the cost for an individual person for 18 months?A. If your previo ... Patty Arreguin Wed, 09 Jan 2008 12:31:16 EST http://cobrainsurance.com/help/questions/789/ Q: I am currently in San Juan Puerto Rico and want to enroll in COBRA since transferring to Houston, Texas, can it be done? Puerto Rico is part of USA, but will I be able to extend COBRA covera ... Patty Arreguin Wed, 09 Jan 2008 12:37:30 EST http://cobrainsurance.com/help/questions/790/ Q: Is dental only coverage available? A: You will be allowed to choose any or all of the coverages that you had with your previous employer. On the election form ( that you will get from your ... Patty Arreguin Wed, 09 Jan 2008 13:06:52 EST http://cobrainsurance.com/help/questions/791/ Q: I have COBRA insurance. I need to know if I am only allowed certain dentists to go. Also how much is my co-pay? A: COBRA is a continuation of an employer's group health plan; it is th ... Patty Arreguin Mon, 21 Jan 2008 17:21:39 EST http://cobrainsurance.com/help/questions/792/ Q: My husband's previous employer is changing the coverage for the employees. Does this mean our coverage changes too? The rates and the deductible are much higher on the new plan. How do we find ... Patty Arreguin Wed, 09 Jan 2008 15:55:27 EST http://cobrainsurance.com/help/questions/793/ Q: How do I check if a cobra payment has been received? I cannot figure out how to get to the right website. I have never checked before. I sent a payment on the 16th and was told it is not in ... Patty Arreguin Wed, 09 Jan 2008 16:30:37 EST http://cobrainsurance.com/help/questions/794/ Q: My husband is thinking about switching jobs, however, the company he would move to has a different insurance company. Can I leave my dependent child on the current employer's plan through COBR ... Patty Arreguin Wed, 09 Jan 2008 16:44:31 EST http://cobrainsurance.com/help/questions/795/ Q: How can I obtain the copies of my monthly payments from 2004? I am going to court and I am trying to collect payment from my ex-spouse at court. A: You should contact the previous empl ... Patty Arreguin Wed, 09 Jan 2008 17:46:55 EST http://cobrainsurance.com/help/questions/796/ Q: My daughter who is 21 has COBRA insurance because of loss of dependent status under the plan rules. She is wanting to get married, will she still be covered and can she add her soon to be hu ... Patty Arreguin Wed, 09 Jan 2008 18:05:00 EST http://cobrainsurance.com/help/questions/797/ Q: I own a business with less than 20 employees but only 2 of us are covered by insurance. Due to financial circumstances we may be forced to close. Is my currently covered employee eligible fo ... Patty Arreguin Thu, 10 Jan 2008 11:10:34 EST http://cobrainsurance.com/help/questions/798/ Q: I recently received a new Cobra Administrators letter (my 3rd year), the 3rd one. It will only send an invoice for each month and you can not pre pay each month. The other 2 Administrators I ... Patty Arreguin Thu, 10 Jan 2008 11:36:43 EST http://cobrainsurance.com/help/questions/799/ Q: My son has a Pre existing heart condition. My question is my husband has voluntarily left his job for another and for 2 weeks will not be paying for health insurance through his new company. ... Patty Arreguin Thu, 10 Jan 2008 14:24:57 EST http://cobrainsurance.com/help/questions/800/ Q: I need to pay for another month, where can I do that?A: You should contact your previous employer. Your previous employer will tell you if you need to send your COBRA payments directly to th ... Patty Arreguin Thu, 10 Jan 2008 14:41:55 EST http://cobrainsurance.com/help/questions/802/ Q: My family is currently covered by COBRA. I am currently disabled and will be entitled to Medicare after my 29th month of disability. Can my husband and son still continue to be covered by CO ... Patty Arreguin Thu, 10 Jan 2008 16:33:42 EST http://cobrainsurance.com/help/questions/803/ Q: Is there any circumstance when a person over age 65, eligible for Medicare, can elect COBRA coverage in lieu of Medicare for themselves and/or their spouse (also over age 65 and eligible for ... Patty Arreguin Thu, 10 Jan 2008 17:41:07 EST http://cobrainsurance.com/help/questions/804/ Q: I sent in papers to get COBRA and I have never gotten anything back from you. A: You will need to contact your previous employer or their COBRA plan administrator for the status of you ... Patty Arreguin Thu, 10 Jan 2008 18:03:07 EST http://cobrainsurance.com/help/questions/805/ Q: Is there any fertility coverage through COBRA?A: Generally, the continuation coverage is the same health benefits that you had the day before the qualifying event. If your previous employer' ... Patty Arreguin Fri, 11 Jan 2008 10:37:45 EST http://cobrainsurance.com/help/questions/806/ Q: My husband was just terminated. He was offered COBRA. We would like to continue COBRA only for our 20 year old daughter that has a pre-existing condition. Can she be on COBRA even if my husb ... Patty Arreguin Fri, 11 Jan 2008 10:45:49 EST http://cobrainsurance.com/help/questions/807/ Q: First, when a plan for family coverages states a decuctible, is that per person covered or for the family? Second, are premiums and co-insurance payments (well, at least premiums) tax deductib ... Patty Arreguin Fri, 11 Jan 2008 11:14:32 EST http://cobrainsurance.com/help/questions/808/ Q: My wife and I are Realtors and technically are self employed. They reality firm a health coverage plan (which we've been on for 3 years) through a union. We've decided to change Brokerages. ... Patty Arreguin Fri, 11 Jan 2008 12:02:28 EST http://cobrainsurance.com/help/questions/809/ Q: I am being terminated from job but my wife uses my insurance as her secondary insurance and her companies insurance as her primary. We mainly did this because her employers policy did not incl ... Patty Arreguin Fri, 11 Jan 2008 15:59:50 EST http://cobrainsurance.com/help/questions/810/ Q: I need the over night address.A: You should contact your previous employer. You maybe able to send your payment to them or they will give you the contact information for their COBRA plan ad ... Patty Arreguin Fri, 11 Jan 2008 16:24:59 EST http://cobrainsurance.com/help/questions/811/ Q: I am enrolling on my husband's insurance because I know my insurance with you all is expiring on Jan. 29th 2008. Can I please get a cancellation notice? A: Your previous employer should send ... Patty Arreguin Tue, 15 Jan 2008 12:37:29 EST http://cobrainsurance.com/help/questions/812/ Q: The place I work is moving and I will be let go, my wife is pregnant so I need to keep her on our insurance untill after the baby is born. Can I just put her on Cobra and if so should this red ... Patty Arreguin Wed, 16 Jan 2008 17:02:00 EST http://cobrainsurance.com/help/questions/813/ Q: My new employer advised me to have COBRA resend a certificate of credible coverage to me. Who do I contact to request a copy? A: You will need to contact your previous employer to request a ... Patty Arreguin Wed, 30 Jan 2008 10:02:48 EST http://cobrainsurance.com/help/questions/814/ Q: If cobra was offered to an employee, but they never completed the paperwork to do so, is there any way after the 60 days to elect to do cobra?A: COBRA election does have certain time limitatio ... Patty Arreguin Wed, 16 Jan 2008 13:18:51 EST http://cobrainsurance.com/help/questions/815/ Q: I recently graduated from college and I was enrolled in their health insurance, but it runs out soon and I need to get insurance. Does COBRA work if I am not working and coming off of student ... Patty Arreguin Wed, 16 Jan 2008 13:35:04 EST http://cobrainsurance.com/help/questions/816/ Q: My husband has preexisting condition (high blood pressure controlled on 3 meds and overweight). Can COBRA deny coverage? Are there other less expensive COBRA options other than that quoted b ... Patty Arreguin Wed, 16 Jan 2008 16:17:54 EST http://cobrainsurance.com/help/questions/818/ Q: I need to find out if my partner's Cobra insurance forms have been received. We have submitted the paperwork and have not heard back.A: You can contact your previous employer's Benefits Mana ... Patty Arreguin Wed, 16 Jan 2008 17:50:00 EST http://cobrainsurance.com/help/questions/819/ Q: Will I be eligible for coverage thru COBRA even though my ex-employer does not have 20 employees? A: An employer with less than 20 employees is not subject under COBRA federal law and do no ... Patty Arreguin Thu, 17 Jan 2008 13:05:55 EST http://cobrainsurance.com/help/questions/820/ Q: My sister had a stroke and is totally disabled right now. She will require months of rehabilitation. Her 18-month COBRA will expire in one month. Since the stroke occurred outside the first 60 ... Patty Arreguin Thu, 17 Jan 2008 13:09:05 EST http://cobrainsurance.com/help/questions/821/ Is it legal to be dropped from a Cobra plan just because the employer changes carriers? If so, what are the conditions that must be present? If so, how is the member to be notified? Patty Arreguin Thu, 17 Jan 2008 14:00:56 EST http://cobrainsurance.com/help/questions/822/ Q: I work in a small non-profit group-less than 20 employees. I have been diagnosed with an illness. Can I get COBRA or any other insurance? A: An employer with less than 20 employees is not sub ... Patty Arreguin Thu, 17 Jan 2008 14:24:09 EST http://cobrainsurance.com/help/questions/823/ Q: My sister is permanently disabled. She received COBRA coverage in June of 2006; she only received Social Security Disability in May of 2007. She failed to understand that she must notify the ... Patty Arreguin Thu, 17 Jan 2008 17:09:08 EST http://cobrainsurance.com/help/questions/824/ Q: My husband retired from his job and placed me (spouse) on his COBRA insurance. We are divorcing and he told me he is taking me off his insurance can he do this and will I lose coverage?A: Yo ... Patty Arreguin Thu, 17 Jan 2008 17:27:18 EST http://cobrainsurance.com/help/questions/825/ Q: If somebody is on COBRA, federal COBRA expires, goes on state COBRA and they find employment what are their options? If employer offers insurance are they required to take that policy; if no i ... Patty Arreguin Thu, 17 Jan 2008 18:00:11 EST http://cobrainsurance.com/help/questions/826/ Q: Is COBRA a continuation of your previous health care provider, as far as co-payment and deductibles are concerned? I have not received anything in the mail yet and it has been about 50 day ... Patty Arreguin Fri, 18 Jan 2008 13:10:53 EST http://cobrainsurance.com/help/questions/827/ Q: If I retire at 62, can I KEEP Cobra until 65 & go on Medicare? What would the premium be for me & my spouse and would it be the same coverage that I have with my present employer?A: An emp ... Patty Arreguin Fri, 18 Jan 2008 15:17:43 EST http://cobrainsurance.com/help/questions/828/ Q: My daughter is now on COBRA. My employer has one insurer for heath and another for dental the dental coverage does not provide or require a dental id card. Are my daughter's dental requiremen ... Patty Arreguin Fri, 18 Jan 2008 15:30:04 EST http://cobrainsurance.com/help/questions/829/ Q: I am employed (Calif.) and have health insurance thru my employer. My HR says if I leave San Diego, CA and move to Pittsburgh, PA I CAN NOT have Cobra because the insurance we have here at w ... Patty Arreguin Fri, 18 Jan 2008 16:16:47 EST http://cobrainsurance.com/help/questions/830/ Q: I am considering early retirement at age 63 & 1/2. At that time I will sign up for Cobra with my wife as a dependant. Both of us have pre-existing conditions. After 18 months Medicare will k ... Patty Arreguin Fri, 18 Jan 2008 18:02:04 EST http://cobrainsurance.com/help/questions/831/ Q: I retired in December 07 & I am now on Medicare. My wife is age 61. Can she stay on my company health insurance & if so, for how long? How can I determine the cost of her insurance? A: Your ... Patty Arreguin Mon, 21 Jan 2008 11:42:43 EST http://cobrainsurance.com/help/questions/832/ Q: I resigned and I have not received any info from my former company regarding how I can, keep my insurance under COBRA. Please confirm that I can get insurance from them and the time period th ... Patty Arreguin Mon, 21 Jan 2008 12:22:04 EST http://cobrainsurance.com/help/questions/833/ Q: I was covered under my boyfriend's insurance-significant other-he has new insurance that doesn't cover me. We were initially told that I would be eligible for COBRA and now his previous em ... Patty Arreguin Fri, 29 Feb 2008 15:57:13 EST http://cobrainsurance.com/help/questions/834/ Q: My soon to be ex has cancelled me from the policy even though he was Court ordered to keep it in force. I understand that I was supposed to be contacted by you to agree to this. What do I do ... Patty Arreguin Tue, 22 Jan 2008 17:23:05 EST http://cobrainsurance.com/help/questions/835/ Q: I currently have United Health insurance with my employer. Soon I will take a position with a new company and will take its insurance 30 days later. Within the time frame of my old insuran ... Patty Arreguin Wed, 23 Jan 2008 12:01:38 EST http://cobrainsurance.com/help/questions/836/ Q: I currently have United Health insurance with my employer and in 2003 had a stroke. Soon I will take a position with a new company and will take its insurance 30 days later. Within the time ... Patty Arreguin Wed, 23 Jan 2008 13:54:25 EST http://cobrainsurance.com/help/questions/837/ Q: If an employee dies and the spouse elects Cobra (she is 75) and not on Medicare Part B can the insurance company require Medicare Part B?A: Once a person is 65 and begins receiving Medicare Pa ... Patty Arreguin Wed, 23 Jan 2008 15:10:13 EST http://cobrainsurance.com/help/questions/840/ Q: I am a single mother of two small children and it is my ex-husband's responsibility to provide their health insurance. He recently quit his job and says he extended their insurance through C ... Patty Arreguin Wed, 23 Jan 2008 17:13:45 EST http://cobrainsurance.com/help/questions/841/ Q: I was terminated Oct 5th 2007, I have requested several times info on COBRA and to no avail my previous company has yet to send me any indo so I can get this started. Do I have any legal rig ... Patty Arreguin Wed, 23 Jan 2008 17:37:38 EST http://cobrainsurance.com/help/questions/844/ Q: I have read that there is an 11 month extension for COBRA available. I have applied for Social Security Disability, shortly after I was disabled through my place of employment. I am currentl ... Patty Arreguin Thu, 24 Jan 2008 15:25:47 EST http://cobrainsurance.com/help/questions/846/ Q: My cobra insurance coverage was cancelled for paying the wrong premium even though the insurance company never sent me notice that there was an increase in my premium. I have a child with a ... Patty Arreguin Thu, 24 Jan 2008 17:01:45 EST http://cobrainsurance.com/help/questions/847/ Q: How many hours a month would be considered "reduced hours”? We work in the construction industry and work is always not available do to weather conditions.A: Usually group benefits ar ... Patty Arreguin Fri, 25 Jan 2008 10:26:22 EST http://cobrainsurance.com/help/questions/848/ Q: My husband is a graduate student and we qualify for Medicaid. He will soon be getting a job and making more money disqualifying us of Medicaid. I am currently pregnant and need continuous co ... Patty Arreguin Fri, 25 Jan 2008 10:41:09 EST http://cobrainsurance.com/help/questions/849/ Q: How many hours a month would be considered "reduced hours" ? We work in the construction industry and work is always not available do to weather conditions.A: Usually group benefits are avai ... Patty Arreguin Fri, 25 Jan 2008 10:41:43 EST http://cobrainsurance.com/help/questions/850/ Q: What are my rights to get my Cobra coverage reinstated? I was informed by Conexis that my coverage was cancelled Nov. 07 due to my former Employer cancelling the group plan I was covered unde ... Patty Arreguin Fri, 25 Jan 2008 11:28:28 EST http://cobrainsurance.com/help/questions/851/ Q: My mom was on Cobra for 18 months following a permanet layoff. She has a new job with health insurance coverage. Would she be eligible for another 18 months of Cobra coverage should she leave t ... Patty Arreguin Fri, 25 Jan 2008 11:56:19 EST http://cobrainsurance.com/help/questions/852/ Q: My husband’s termination date was Dec 31st On Jan 1st the hospital at which he was employed switched insurance plans. Is our cobra coverage going to be through the old plan that we w ... Patty Arreguin Tue, 29 Jan 2008 11:35:42 EST http://cobrainsurance.com/help/questions/853/ Q: My former employer never got my insurance forms turned it for enrollment of the insurance they offered. Since then I have gave notice and now my employer wants me to sign a statement saying ... Patty Arreguin Tue, 29 Jan 2008 12:38:11 EST http://cobrainsurance.com/help/questions/854/ Q: I became unemployed and my company told me about COBRA, she said that if I still wanted insurance I have to go thru you guys. I NEED insurance! My employer told me that COBRA would give me ... Patty Arreguin Tue, 29 Jan 2008 17:47:08 EST http://cobrainsurance.com/help/questions/855/ Q: If my new insurance, through my new job, requires continuous coverage, will this a temporary policy, already applied for and paid be accepted in place of Cobra? A: Our COBRA alternative t ... Patty Arreguin Wed, 30 Jan 2008 10:22:04 EST http://cobrainsurance.com/help/questions/856/ Q: My daughter is 8 months pregnant. She just got laid off from her job. She was $600 away from meeting deductible with Blue Cross / Blue Shield so she would not have to pay hospital costs. A: I ... Patty Arreguin Wed, 30 Jan 2008 11:18:10 EST http://cobrainsurance.com/help/questions/857/ Q: Starting in either September or October of 2004, I submitted COBRA payments. Is there any way I can get a copy of what I paid? A: You will need to contact the employer where you signed up ... Patty Arreguin Tue, 18 Mar 2008 10:59:05 EST http://cobrainsurance.com/help/questions/858/ Q: I was laid-off from a company I worked at for 7 years and paid COBRA for 5 months- until I got a new job. I received health insurance coverage from that company- however that employment ended ... Patty Arreguin Wed, 30 Jan 2008 12:30:43 EST http://cobrainsurance.com/help/questions/860/ Q: Can a small business elect to offer Cobra for only 9 months? The employer said that because he is a small business he only has to offer Cobra for 9 months. A: Employers with less than 20 ... Patty Arreguin Wed, 30 Jan 2008 15:09:22 EST http://cobrainsurance.com/help/questions/861/ Q: If my company offers medical insurance, but the premium is more expensive than having COBRA can I get COBRA coverage elsewhere while still working for my employer? A: If you are still working ... Patty Arreguin Wed, 30 Jan 2008 16:47:07 EST http://cobrainsurance.com/help/questions/862/ Q: My husbands insurance fell through because he was let go of his job. Only had insurance up to January 2, 2008. Could someone please contact us about trying to receive COBRA before are 63 da ... Patty Arreguin Wed, 30 Jan 2008 17:34:10 EST http://cobrainsurance.com/help/questions/863/ Q: My husband was let go and COBRA with Aetna, started 9/1/06 (husband & wife). July 1, 2007 he received Medicare. I called Aetna and they gave me my own policy number and told me I was covered ... Patty Arreguin Thu, 31 Jan 2008 13:14:59 EST http://cobrainsurance.com/help/questions/864/ Q: We were quoted a premium of $23.85 for each of us. We now have Aetna Dental throgh his employer and there is an allowance for replacing dentures...will the Cobra Dental plan also have that?A: ... Patty Arreguin Thu, 31 Jan 2008 13:23:35 EST http://cobrainsurance.com/help/questions/865/ Q: We have a group plan that just renewed with a high deductible plan. The employer is paying for 100% of the deductible for it's employees. Is there any requirement that the employer has to pay ... Patty Arreguin Thu, 31 Jan 2008 17:04:18 EST http://cobrainsurance.com/help/questions/867/ Q: In March I return to NC from Thailand where I have been teaching. I have health insurance from my school here.in Thailand. Will I be eligible for Cobra there in the states until I find a job ... Patty Arreguin Thu, 31 Jan 2008 17:36:33 EST http://cobrainsurance.com/help/questions/868/ Q: The 3rd Party Administrator handling my employer COBRA plan mistakenly dropped my husband from my insurance. I have paid for his insurance for him for 5 months, can I be reimbursed?A: If you h ... Patty Arreguin Thu, 31 Jan 2008 17:49:58 EST http://cobrainsurance.com/help/questions/869/ Q: If an employee is on COBRA through a self insured health plan and the employer changes from self insured to fully insured, is that COBRA participant to be covered on the fully insured plan? ... Patty Arreguin Mon, 04 Feb 2008 15:13:07 EST http://cobrainsurance.com/help/questions/870/ Q: I have worked for my former employers (a hotel) for the last five years, and I resigned in September 2007. I am unemployed, and I have a minor medical problem. Am I eligible for COBRA? If I ... Patty Arreguin Fri, 01 Feb 2008 10:42:10 EST http://cobrainsurance.com/help/questions/871/ Q: In a couple of months my company is merging with another and my current insurance company will be changing to theirs which is less favorable, will I be able to keep my current policy under Co ... Patty Arreguin Fri, 01 Feb 2008 11:27:18 EST http://cobrainsurance.com/help/questions/872/ Q: I was on cobra insurance from a job that I was laid off from. My husband got insurance for us both at his job but was laid off after 1 month of coverage. Can I go back to my cobra, which was ... Patty Arreguin Fri, 01 Feb 2008 11:36:14 EST http://cobrainsurance.com/help/questions/873/ Q: My previous employer told us that Cobra will send us information or paperwork to fill out for the continuation of benefits. My question is when will I get that paperwork. A: Your pa ... Patty Arreguin Fri, 01 Feb 2008 14:52:56 EST http://cobrainsurance.com/help/questions/874/ A: My husband is switching jobs, and I am 4 months pregnant and need coverage, how do we get COBRA, and when will his insurance stop after he leaves is current job?Q: Your employer is required by ... Patty Arreguin Tue, 12 Feb 2008 16:07:00 EST http://cobrainsurance.com/help/questions/875/ Q: I am a former employee of FEDEX as of 08/29/07. I'm interested in continuing coverage, but I don't remember receiving a COBRA package form. I have looked again & again, but I don't have a con ... Patty Arreguin Fri, 01 Feb 2008 16:17:47 EST http://cobrainsurance.com/help/questions/876/ Q: I recently left my employer. What benefit is Cobra as an extension of my current Blue Cross/Blue Shield plan that expires soon, if the local COBRA plan shown does not include pre-existing in ... Patty Arreguin Fri, 01 Feb 2008 16:42:57 EST http://cobrainsurance.com/help/questions/877/ Q: Is it possible to roll my 401K into a HSA account in order to cover the expense of my cobra premiums? Regardless of that, I'll need to begin the plan so who do I pay? A: You will need to cont ... Patty Arreguin Thu, 28 Feb 2008 09:20:34 EST http://cobrainsurance.com/help/questions/878/ Q: I have elected to take COBRA and have sent in my first month’s premium which re-activated my medical coverage. However, I have not made a payment in over two months. During that time I ... Patty Arreguin Fri, 01 Feb 2008 17:44:34 EST http://cobrainsurance.com/help/questions/879/ Q: My COBRA is being handled by a third party and the payments are due at the first of the month; however the information on this web site states that there is a 30 day grace period. While I don ... Patty Arreguin Fri, 01 Feb 2008 17:55:33 EST http://cobrainsurance.com/help/questions/880/ Q: I will be obtaining a divorce within the next couple of weeks. I am currently a spouse/dependent on Tricare insurance. My soon to be ex is in the Army. Will I have any COBRA options afte ... Patty Arreguin Mon, 04 Feb 2008 12:26:00 EST http://cobrainsurance.com/help/questions/881/ Q: My soon to be ex-husband owns his company which has less than 20 employees. Is there any opportunity for me to covered by COBRA after the divorce? Can I stay on that insurance and just pay ... Patty Arreguin Mon, 04 Feb 2008 12:40:20 EST http://cobrainsurance.com/help/questions/882/ Q: Is it possible for me to get a letter stating how many months I paid Cobra last year and how much I paid? This is for tax reasons. A: Your previous employer (or their COBRA plan administrator ... Patty Arreguin Mon, 04 Feb 2008 12:55:43 EST http://cobrainsurance.com/help/questions/883/ Q: I am about to leave my current job and am in the process of looking at alternatives to COBRA. How long after I leave do I have to select COBRA? Also, what happens if I choose at some later p ... Patty Arreguin Mon, 04 Feb 2008 13:21:03 EST http://cobrainsurance.com/help/questions/884/ Q: I worked for a doctor with 7 employees but we had Blue Cross through Med Association of AL. Am I eligible for cobra? A: If the employer has less than 20 employees they may choose to provi ... Patty Arreguin Mon, 04 Feb 2008 13:30:04 EST http://cobrainsurance.com/help/questions/885/ Q: I was recently laid off from my dental assistant job due to lack of work. My employer has been covering 100% of my health insurance. What do I need to do in order to keep my health insurance ... Patty Arreguin Mon, 04 Feb 2008 15:09:29 EST http://cobrainsurance.com/help/questions/886/ Q: If during the open election...the ex-employee chooses to find cheap coverage, can the wife and child choose to stay on cobra coverage for 18 months? A: COBRA is a continuation of the employe ... Patty Arreguin Mon, 04 Feb 2008 16:32:33 EST http://cobrainsurance.com/help/questions/887/ Q: My COBRA insurance will be up in September (18 months) and I will still have 17 months until I am eligible for Medicare. When COBRA expires am I eligible for open enrollment or do I have to h ... Patty Arreguin Mon, 04 Feb 2008 17:27:40 EST http://cobrainsurance.com/help/questions/888/ Q: I'm planning to take about six months off after my time with my company ends. Then I will probably take a job with a company in a different part of the country, that I know will only give in ... Patty Arreguin Tue, 05 Feb 2008 11:14:21 EST http://cobrainsurance.com/help/questions/890/ Q: I currently have Cobra which will expire in 2008. My Cobra is from my employer. My age is 58 and my hubsand who is also covered is 64. In Oct 2008 when Cobra expires my hubsand will have 3 mon ... Patty Arreguin Thu, 21 Feb 2008 15:36:08 EST http://cobrainsurance.com/help/questions/891/ Q: I became disabled while working. My company paid my insurance for 3 months and then went on COBRA. I went on Medicare while still disabled and still on COBRA. Would my spouse be entitled to ... Patty Arreguin Tue, 05 Feb 2008 12:44:39 EST http://cobrainsurance.com/help/questions/892/ Q: I'm six months pregnant and getting ready to give notice at my job I need to make sure that I don't need to sign up for Cobra before I give notice so that I don't have a lapse in coverage. My ... Patty Arreguin Tue, 05 Feb 2008 12:56:39 EST http://cobrainsurance.com/help/questions/893/ Q: I was mailed my cobra papers and since cannot find them how do I get those papers again? It stated that my COBRA is $1000, does that mean I owe that monthly or is that for the last three month ... Patty Arreguin Tue, 05 Feb 2008 13:19:03 EST http://cobrainsurance.com/help/questions/894/ Q: I elected COBRA coverage at the beginning of January, but have not submitted payment yet. It is my understanding that I have 45 days to submit payment, but will I be noted as covered or not cov ... Patty Arreguin Tue, 05 Feb 2008 16:14:00 EST http://cobrainsurance.com/help/questions/895/ Q: Say one's COBRA payments cover from the 8th of the month to the 7th of the following month. This person gets a new job and insurance starts on the 18th . Is there anyway to avoid paying anoth ... Patty Arreguin Tue, 05 Feb 2008 17:28:48 EST http://cobrainsurance.com/help/questions/896/ Q: One employee is retired with retiree group health coverage for himself and his spouse. He and his wife recently divorced. Is the retired employee's spouse (age 50) eligible for COBRA in this si ... Patty Arreguin Tue, 05 Feb 2008 17:44:37 EST http://cobrainsurance.com/help/questions/897/ Q: My family and I are covered threw my husbands insurance, however his contract is over the end of April 2008. He will be taking a temporary job for 2 months before he starts his permanent job in ... Patty Arreguin Tue, 05 Feb 2008 17:52:25 EST http://cobrainsurance.com/help/questions/898/ Q: I am recently unemployed and have not started my Cobra coverage. I must do so quickly. How do I begin? A: Your employer is required by law to offer you the continuation of their group healt ... Patty Arreguin Mon, 11 Feb 2008 17:14:02 EST http://cobrainsurance.com/help/questions/899/ Q: I received a notice from my former employer stating, "your COBRA insurance payments have not been made for the past 5 months. The total due now is $xxxx.xx. This amount is due immediatley. At t ... Patty Arreguin Mon, 11 Feb 2008 17:18:52 EST http://cobrainsurance.com/help/questions/900/ Q: My employer said that I could not get cobra because our insurance was not the right kind for cobra. That is was incidental. Is this true? A: If your previous employer has more than 20 emplo ... Patty Arreguin Mon, 11 Feb 2008 17:36:50 EST http://cobrainsurance.com/help/questions/901/ Q: I am looking for a provider for Accutane in Sacramento, CA. Could you please refer me? A: COBRA is NOT an insurance company. COBRA is a federal law that requires an employer to offer the e ... Patty Arreguin Mon, 11 Feb 2008 17:43:05 EST http://cobrainsurance.com/help/questions/902/ Q: If you initially declined cobra coverage and are still within the designated time period, can you reverse your decline and start it again? I am on long term disability and had initially decl ... Patty Arreguin Mon, 11 Feb 2008 17:53:05 EST http://cobrainsurance.com/help/questions/903/ Q: I will be getting new insurance through my new employer. Can I still pay for my COBRA coverage to have as a secondary insurance? A: You can not be able to use COBRA as a secondary insura ... Patty Arreguin Tue, 12 Feb 2008 13:08:38 EST http://cobrainsurance.com/help/questions/904/ Q: Terminated from job on Jan. 2, 2008. Company has terminated my Health insurance and have not to date received Cobra forms.. Does the company have to continue coverage for 45 day transition?? ... Patty Arreguin Tue, 12 Feb 2008 17:47:38 EST http://cobrainsurance.com/help/questions/905/ Q: I am a 22 year old college student and I am insured under my father's employer. I had medical services from October to January, but my insurance company refuses to pay for the services becau ... Patty Arreguin Tue, 12 Feb 2008 16:20:37 EST http://cobrainsurance.com/help/questions/906/ Q: I am currently covered by COBRA through coverage from my husband's prior company and this coverage is due to end in Aug. 2008. How can I qualify for Cal-COBRA? A: Each state may have the ... Patty Arreguin Tue, 12 Feb 2008 16:37:46 EST http://cobrainsurance.com/help/questions/907/ Q: Is my husband eligible for COBRA if his company has been sold and the company that bought them will not be taking him on so it is not like his current policy is going to be replaced. A: ... Patty Arreguin Tue, 12 Feb 2008 17:36:46 EST http://cobrainsurance.com/help/questions/908/ Q: I am currently on COBRA that will end soon. My current carrier is Blue Shield. I have a pre-existing condition. My previous employer was a large group employer (a county in n. California). I ... Patty Arreguin Thu, 14 Feb 2008 12:59:58 EST http://cobrainsurance.com/help/questions/909/ Q: My husband has been offered a new job to start March 10. I am due with a new baby March 27. We will need coverage for 30 days until his new insurance kicks in. I know that I will have this baby ... Patty Arreguin Thu, 14 Feb 2008 13:25:40 EST http://cobrainsurance.com/help/questions/910/ Q: If I become pregnant, and I need to leave my place of employment due to relocating; will I qualify for COBRA benefits throughout my pregnancy term? A: If there are more than 20 employees ... Patty Arreguin Thu, 14 Feb 2008 16:13:47 EST http://cobrainsurance.com/help/questions/911/ A: The health plan that last 6 months that you are referring to is a COBRA Alternative. Our COBRA alternative rates are more affordable than the COBRA you get through your employer. . If you n ... Patty Arreguin Thu, 14 Feb 2008 16:54:29 EST http://cobrainsurance.com/help/questions/912/ Q: I will be taking a severance package. I was told that if I plan to sign up for COBRA that it will not start until 3 weeks after my final day of employment. Once that COBRA begins they will ... Patty Arreguin Fri, 15 Feb 2008 11:03:20 EST http://cobrainsurance.com/help/questions/913/ Q: If my wife and I change our legal residence from Massachusetts to Florida, can week keep the same COBRA insurance we have from Massachusetts? It is currently Blue Cross Blue Shield of MA ... Patty Arreguin Fri, 15 Feb 2008 11:20:30 EST http://cobrainsurance.com/help/questions/914/ Q: I currently have insurance through my husband’s employer. My husband is switching jobs and we will no longer have insurance. The employer says they don’t offer COBRA. Is this ... Patty Arreguin Fri, 15 Feb 2008 14:57:48 EST http://cobrainsurance.com/help/questions/915/ Q: My wife was in between jobs when she found out she was pregnant. At this point are there any insurance benefits that we can receive with Cobra Insurance? Any Retro pay? And what is the estim ... Patty Arreguin Fri, 15 Feb 2008 15:29:53 EST http://cobrainsurance.com/help/questions/916/ Q: I am a dependent. My husband wants to change his employer. And now I am 5 months pregnant. If he doesn’t leave from his company formally, do the people allow me to apply for cobra? Wh ... Patty Arreguin Mon, 10 Mar 2008 14:42:12 EST http://cobrainsurance.com/help/questions/917/ Q: I am pregnant and my husband carries our insurance. He is changing jobs and his new insurance will not start for 90 days. His current employer is in the middle of switching insurance compani ... Patty Arreguin Fri, 15 Feb 2008 15:52:07 EST http://cobrainsurance.com/help/questions/918/ Q: I may be signing up for COBRA later this year. But I may also be out of the country for a few months. Will COBRA cover me if I need medical care in another country? A: Since COBRA is a ... Patty Arreguin Fri, 15 Feb 2008 17:47:49 EST http://cobrainsurance.com/help/questions/919/ Q: How many days do I have to work at my job before quitting so I can get cobra. I need the insurance. A: As long as you have obtained health insurance from your employer you are eligible f ... Patty Arreguin Mon, 18 Feb 2008 10:20:12 EST http://cobrainsurance.com/help/questions/920/ Q: I work for a company that offers a Health Insurance - AETNA. If I stop work for this company, may I keep the insurance through COBRA? If positive, how that works? How much it will cost? A: ... Patty Arreguin Mon, 18 Feb 2008 10:40:22 EST http://cobrainsurance.com/help/questions/921/ Q: I turned in my resignation after ten years. I was put under extreme stress and discriminated against. HR did not brief me on what to do regarding my insurance. After asking several times, I ... Patty Arreguin Mon, 18 Feb 2008 11:12:03 EST http://cobrainsurance.com/help/questions/922/ Q: I'm moving from CA to NV. I currently have a Blue Cross of California Powrer Select HMO plan. Am I going to be able to Get COBRA Insurance coverage in NV?A: If there are more than 20 employe ... Patty Arreguin Mon, 18 Feb 2008 17:55:48 EST http://cobrainsurance.com/help/questions/923/ If I leave my job voluntarily (not laid off or fired), am I still eligible for COBRA?A: If your employer has more than 20 employees they MUST offer you COBRA continuation when you leave your job ... Patty Arreguin Tue, 19 Feb 2008 12:16:22 EST http://cobrainsurance.com/help/questions/925/ Q: I was released from my job on 11/26/07 and have not received a COBRA package. My wife had a hospital stay from 2/14/ thru 2/18. Can I still sign up for this coverage or am I too late. ... Patty Arreguin Tue, 19 Feb 2008 13:25:51 EST http://cobrainsurance.com/help/questions/926/ Q: Termination of employment due to sexual harassment a complaint considered GROSS MISCONDUCT. A: Although illegal or dangerous acts committed in the workplace are likely to qualify as gr ... Patty Arreguin Thu, 21 Feb 2008 17:14:14 EST http://cobrainsurance.com/help/questions/927/ Q: My company's insurance is changing on March 1st to a plan that's much worse than what I have now. I'm pregnant, and someone told me that I could pay the full cost for my current insurance thro ... Patty Arreguin Tue, 19 Feb 2008 16:30:06 EST http://cobrainsurance.com/help/questions/928/ Q: How long does a company have to cover your medical benefits? A: If your employer has more than 20 employees they have to offer continuation of their group health plan for up to 18 months. ... Patty Arreguin Tue, 19 Feb 2008 17:34:50 EST http://cobrainsurance.com/help/questions/929/ Q: If I become eligible for COBRA at age 60 it says on this website that I can maintain my Cobra insurance until age 65. How is this done? Do I need to re-apply after 18 months? I did not see a ... Patty Arreguin Thu, 21 Feb 2008 15:35:46 EST http://cobrainsurance.com/help/questions/930/ Q: I was laid off from work a month ago and I was told I would get some paper work from cobra before we can enroll. What do we need to do?A: With in 45 days from your last day of work or grou ... Patty Arreguin Wed, 20 Feb 2008 18:02:57 EST http://cobrainsurance.com/help/questions/931/ Q: Here's the scenario: qualifying event happened on 12/31/07...as long as I return the election form per the requirements for my former employer's group health plan w/ first payment...which wou ... Patty Arreguin Thu, 21 Feb 2008 16:44:32 EST http://cobrainsurance.com/help/questions/932/ Q: My husband and I quit our jobs in December 2007. He tried to get answers as to what was covered before he elected the new insurance for his new job. They wouldn't tell him anything until he ... Patty Arreguin Thu, 21 Feb 2008 17:02:07 EST http://cobrainsurance.com/help/questions/933/ Q: According to my ex-employer I was terminated for "misconduct" and they even refused my unemployment benefits. The Unemployment Dept after the hearing determined that they had no grounds of wr ... Patty Arreguin Thu, 21 Feb 2008 17:23:43 EST http://cobrainsurance.com/help/questions/934/ Q: ho pays first - COBRA or new insurance? I have a patient who has been on Group COBRA for 3 months, got a new job and Group insurance, and has overlapping insurance for one month. Who pays fi ... Patty Arreguin Thu, 21 Feb 2008 17:34:10 EST http://cobrainsurance.com/help/questions/935/ Q: Is it true that a spouse over the age of 60 can continue Cobra coverage up to age 65 if the spouse retires and is no longer insured on the company medical plan? I have heard this referred to ... Patty Arreguin Fri, 22 Feb 2008 10:21:21 EST http://cobrainsurance.com/help/questions/936/ Q: I am starting with a new employer but my old employer's insurance is better. Can I elect Cobra and not sign up for the new employers insurance? If so how long can I stay on Cobra?A: If your ... Patty Arreguin Fri, 22 Feb 2008 11:36:22 EST http://cobrainsurance.com/help/questions/937/ Q: I have chosen to continue coverage with COBRA after terminating my employment with my previous company. The healthcare they provided was a Group HRA, where my old company put money in a "ban ... Patty Arreguin Fri, 22 Feb 2008 11:51:39 EST http://cobrainsurance.com/help/questions/938/ Q: My husband will be leaving his company in a few weeks. We currently have a family insurance plan with them. The new job he will be taken does not offer health insurance until 30 days being o ... Patty Arreguin Fri, 22 Feb 2008 12:19:52 EST http://cobrainsurance.com/help/questions/940/ Q: I retired from work and group insurance plan. I am 66 and on Medicare. My wife is 8 years younger and I am getting her set up with Cobra. I understand when someone retires, their spouse can ke ... Patty Arreguin Fri, 29 Feb 2008 15:43:34 EST http://cobrainsurance.com/help/questions/941/ Q: My past job of 11 years never notified me that I was able to get Cobra insurance. after my dismissal. How do I find out if I am eligible? I was let go several months ago. A: Your emplo ... Patty Arreguin Fri, 22 Feb 2008 14:37:13 EST http://cobrainsurance.com/help/questions/942/ Q: I have not yet received my first COBRA bill....I am not available to contact my previous employer, due to personal reasons. Is there another way for me to make sure I pay this?A: If you have ... Patty Arreguin Fri, 22 Feb 2008 15:41:49 EST http://cobrainsurance.com/help/questions/943/ Q: My daughter did not know about cobra continuation coverage at her place of work. When she quit she did not have the info and now does not have coverage. What should she do? She was never tol ... Patty Arreguin Fri, 22 Feb 2008 15:50:19 EST http://cobrainsurance.com/help/questions/944/ Q: My husband lost his job due to the company's bankruptcy, and we are on his medical plan. I am on a leave of absence from my job due to surgery, and have used all of my FMLA. My employer says ... Patty Arreguin Tue, 26 Feb 2008 15:25:50 EST http://cobrainsurance.com/help/questions/945/ Q: I am trying to set up COBRA with my sister in law and I was wondering where the check has to go. Do I take it into her employer or do I get it to your office. I have been told both. Now I nee ... Patty Arreguin Fri, 22 Feb 2008 17:13:34 EST http://cobrainsurance.com/help/questions/946/ Q: All of the policies state that certain surgeries are not covered. What types of surgeries are these? Experimental procedures or standard surgeries?A: If you sign up for COBRA coverage through ... Patty Arreguin Fri, 22 Feb 2008 17:26:19 EST http://cobrainsurance.com/help/questions/947/ Q: 1. Last day of employer coverage: 2/29/08 2. First day of new individual coverage 4/1/08. 3. A couple of medical claims put in for March. 4. COBRA election material doesn't arrive until 4/5/ ... Patty Arreguin Fri, 22 Feb 2008 17:53:12 EST http://cobrainsurance.com/help/questions/948/ Q: Does COBRA cover Mircette or Karva? If so, how much and what info do I need to provide to the Pharmacy? How do I get reimbursed? A: COBRA is a continuation of your previous employers' group ... Patty Arreguin Tue, 26 Feb 2008 15:00:52 EST http://cobrainsurance.com/help/questions/949/ MY HUSBAND WILL LOSE HIS INSURANCE DUE TO LAYOFF. WE CANNOT AFFORD HIS EMPLOYERS COST FOR COBRA. CAN WE PURCHASE ALTERNATIVE COBRA INSURANCE IF HE OR I HAVE A PREEXISTING MEDICAL CONDITION WHICH W ... Patty Arreguin Tue, 26 Feb 2008 15:36:14 EST http://cobrainsurance.com/help/questions/950/ Q: After being with a company for several years while a student I started their health Insurance. Now after only 2 months on the insurance, I am quitting and will not be covered by new job for ... Patty Arreguin Tue, 26 Feb 2008 15:47:28 EST http://cobrainsurance.com/help/questions/951/ Q: I recently retired and my company informed me that continued coverage to my wife could be had through Cobra. We didn't get any information about this until about a week before I turned 65. Th ... Patty Arreguin Wed, 27 Feb 2008 14:40:37 EST http://cobrainsurance.com/help/questions/952/ Q: I was laid off from a small company that does not offer Cobra. I am 8 months pregnant. My new insurance is supposed to kick in 7 days before my scheduled c-section. I need coverage for the mo ... Patty Arreguin Wed, 27 Feb 2008 14:51:39 EST http://cobrainsurance.com/help/questions/953/ Q: If I have a pre-existing illness (thyroid cancer), and my COBRA will end in 8 months, is there any way I can elect to stay w/ COBRA and pay the high premium, because individual plans will not ... Patty Arreguin Wed, 27 Feb 2008 15:14:14 EST http://cobrainsurance.com/help/questions/954/ Q: Can I remain on COBRA even after my Unemployment Benefits run out?A: Your unemployment benefits do not affect your COBRA coverage. You can keep your COBRA continuation for a maximum of 18 ... Patty Arreguin Wed, 27 Feb 2008 16:43:26 EST http://cobrainsurance.com/help/questions/955/ Q: I never signed up for this insurance and I just got a bill in the mail. I called them and I want to make sure it gets cancelled. A: You can contact your health insurance company to confirm t ... Patty Arreguin Wed, 27 Feb 2008 16:48:32 EST http://cobrainsurance.com/help/questions/956/ Q: My current boss is selling his practice and the new employer wants to purchase cobra for me, how long can I purchase cobra for?A: If the employer has more than 20 employees they MUST allow ... Patty Arreguin Thu, 28 Feb 2008 12:54:44 EST http://cobrainsurance.com/help/questions/957/ Q: My married boyfriend is going to get divorced from his employed, covered spouse. He is the dependent on the group policy. Washington State. Will he be eligible for Cobra coverage? A: If the ... Patty Arreguin Thu, 28 Feb 2008 14:11:54 EST http://cobrainsurance.com/help/questions/959/ Q: When we contacted the third party administrator about Cobra we were informed that we did not have "qualifying event," therefore she is not eligible for Cobra. What are acceptable "Qualifying ... Patty Arreguin Thu, 28 Feb 2008 16:37:17 EST http://cobrainsurance.com/help/questions/961/ Q: We want to sign my husband up for Cobra as soon as possible, but we haven't received the info in the mail that his employer said would come within a few days after he was laid off. He has som ... Patty Arreguin Fri, 29 Feb 2008 11:48:17 EST http://cobrainsurance.com/help/questions/962/ Q: We live in North Carolina right now and my husband is getting out of the Marine Corps in July and we are moving back to Ohio. We just found out that we are pregnant and due October 14th 2008. ... Patty Arreguin Fri, 29 Feb 2008 11:55:48 EST http://cobrainsurance.com/help/questions/963/ Q: I am currently employed in the US. I will be moving to Canada to accept a new job. However, my wife wants to stay in the US until she has given birth to our child (in a few months. Currentl ... Patty Arreguin Fri, 29 Feb 2008 15:35:16 EST http://cobrainsurance.com/help/questions/964/ Q: My son is a full time college student, insured by Cobra because his father lost his job. I was told by a teacher friend that a full time dependent student could stay on Cobra as long as they ... Patty Arreguin Fri, 29 Feb 2008 17:41:25 EST http://cobrainsurance.com/help/questions/965/ Q: If I, as the primary holder of the insurance, opt to find another carrier can my spouse stay on COBRA for the allowed coverage time?A: The employee can end the COBRA coverage for themselves ... Patty Arreguin Tue, 04 Mar 2008 18:03:47 EST http://cobrainsurance.com/help/questions/966/ Q: Would cobra cover lapband surgery? If so what is the requirements? A: COBRA is the name of a federal law, not an insurance company. It allows you the right to continue your employer&#82 ... Patty Arreguin Wed, 05 Mar 2008 10:02:54 EST http://cobrainsurance.com/help/questions/967/ Q: I am currently covered under my wife's group policy at her joy; however her employer does not contribute to the cost. We are getting divorced and I will be loosing my health insurance. Will ... Patty Arreguin Wed, 05 Mar 2008 11:07:49 EST http://cobrainsurance.com/help/questions/968/ Q: How long after I get my information and pay my first payment will I get my new insurance cards? A: Since COBRA is a continuation of your previous employer's group health policy, you will ... Patty Arreguin Wed, 05 Mar 2008 11:19:14 EST http://cobrainsurance.com/help/questions/969/ Q: I haven't given notice at my job yet, but I plan to accept another position. The new position, however, does not want to give me health insurance prior to 3 months of employment. Without aski ... Patty Arreguin Wed, 05 Mar 2008 11:51:51 EST http://cobrainsurance.com/help/questions/970/ Q: I am being laid off and have found another job starting soon but coverage in new job does not start for 90 days. How much will it cost me to continue with blue cross which I now have for 3 ... Patty Arreguin Wed, 05 Mar 2008 12:05:12 EST http://cobrainsurance.com/help/questions/971/ Q: My husband was receiving treatment for cancer during his 18 month cobra coverage. He actually had to have a stem cell transplant and was still recovering when the 18 months were up. We tried ... Patty Arreguin Wed, 05 Mar 2008 12:29:18 EST http://cobrainsurance.com/help/questions/973/ Q: How do I sign up through a COBRA plan administrator? A: Most employers hire a 3rd party COBRA plan administrator to handle the COBRA paperwork and payment processing for them. The emp ... Patty Arreguin Wed, 05 Mar 2008 17:44:13 EST http://cobrainsurance.com/help/questions/974/ Q: I have paid my first premium for dental and vision insurance. I have not received any id cards. I have been suffering with a MASSIVE toothache for a week now and not sure I can make a dental ... Patty Arreguin Wed, 05 Mar 2008 18:08:53 EST http://cobrainsurance.com/help/questions/975/ Q: I want to cancel my COBRA.A: You will need to notify your previous employer or the plan administrator that you want to cancel your COBRA. You should mail your cancellation request to the s ... Patty Arreguin Thu, 06 Mar 2008 14:44:03 EST http://cobrainsurance.com/help/questions/976/ Q: My son had a baby and thought the hospital was contacting COBRA about adding the baby as a dependent. The hospital did not handle it and my son did not find out until after the 30 days. What ... Patty Arreguin Thu, 06 Mar 2008 14:58:24 EST http://cobrainsurance.com/help/questions/977/ Q: I have been on a medical leave from my company for cancer treatment. I was informed on Monday my company has started the process of going into receivership and that I was laid off effective t ... Patty Arreguin Thu, 06 Mar 2008 15:35:57 EST http://cobrainsurance.com/help/questions/978/ Q: My spouse is part time, works six hours five days a week has no benefits. Is he able to qualify for COBRA insurance? Less than 20 employees he is 22 years old if he does not qualify for COBR ... Patty Arreguin Thu, 06 Mar 2008 16:00:46 EST http://cobrainsurance.com/help/questions/979/ Q: I work for the Pinellas county school system as an aide. I'm trying to get hired as a teacher but if that does not happen by this fall I'll need to substitute to get my face out there and I' ... Patty Arreguin Thu, 06 Mar 2008 16:24:09 EST http://cobrainsurance.com/help/questions/980/ Q: I need temporary coverage for 44days. In the 44 days my wife will be due a Pap smear, and birth control as a follow-up to an 18 fib birth. My son will be due vaccination for a newborn too. D ... Patty Arreguin Thu, 06 Mar 2008 16:32:23 EST http://cobrainsurance.com/help/questions/981/ Q: I am currently insured under COBRA and I want to know what will happen if I get pregnant under this coverage. I am afraid I will be a "pre existing condition" under another policy. Will I be ... Patty Arreguin Thu, 06 Mar 2008 17:57:46 EST http://cobrainsurance.com/help/questions/982/ Q: Can a small business elect to offer COBRA for only 9 months? The employer said that because he is a small business he only has to offer COBA for 9 months. A: If an employer has more tha ... Patty Arreguin Fri, 07 Mar 2008 10:58:07 EST http://cobrainsurance.com/help/questions/983/ Q: I was curious if I would have to carry the insurance for any length of time before the maternity coverage was active or able to use. A: COBRA is not an insurance company, it is a federal ... Patty Arreguin Fri, 07 Mar 2008 14:02:16 EST http://cobrainsurance.com/help/questions/984/ Q: The Company I was working for went out of business. For a few months afterward I was still on COBRA because they had their insurance policy open. Now they have ended their policy. Can I still ... Patty Arreguin Fri, 07 Mar 2008 15:02:34 EST http://cobrainsurance.com/help/questions/985/ Q: I received info on CORBA. I have misplaced that info and was wondering what can be done to get insurance form my family? A: You will need to contact your previous employer and request d ... Patty Arreguin Fri, 07 Mar 2008 15:48:43 EST http://cobrainsurance.com/help/questions/986/ Q: How long can I keep my cobra coverage after leaving my employee?A: If your employer has more than 20 employees they have to offer continuation of their group health plan for up to 18 months. ... Patty Arreguin Tue, 11 Mar 2008 15:59:01 EST http://cobrainsurance.com/help/questions/987/ Q: I am looking to move my mother out of state. What options does she have to COBRA her health insurance...would she be eligible for COBRA through her employer if she were to quit and would she be ... Patty Arreguin Wed, 12 Mar 2008 11:48:53 EST http://cobrainsurance.com/help/questions/988/ Q: My employer is discontinuing my health insurance. Am I eligible for Cobra Insurance?A: COBRA is a federal law that requires an employer to offer continuation of their group health plan to an em ... Patty Arreguin Wed, 12 Mar 2008 12:03:22 EST http://cobrainsurance.com/help/questions/989/ Q: Cobra said they mailed my applilcation and I .never received it because of an incomplete address, so they SAID they would resend and I must send letter in writing which I did so by registered ... Patty Arreguin Wed, 12 Mar 2008 12:15:28 EST http://cobrainsurance.com/help/questions/990/ Q: My spouse and I have been covered by Cobra via CoreSource since the layoff. My spouse is hoping to be employed soon. I need to know the correct procedure to terminate the Cobra coverage witho ... Patty Arreguin Wed, 12 Mar 2008 16:40:30 EST http://cobrainsurance.com/help/questions/991/ Q: My husband is currently under going Chemo treatment for Stage 4 Colon Cancer. His employer is changing insurance companies from Federated to BCBS of South Carolina. I'm worried about the new i ... Patty Arreguin Wed, 12 Mar 2008 17:08:37 EST http://cobrainsurance.com/help/questions/992/ Q: I have anthem B traditional and was wondering what the prescription plan entails. Please advise as I was wondering what the percentages were. A: COBRA is a continuation of your previous empl ... Patty Arreguin Thu, 13 Mar 2008 10:17:34 EST http://cobrainsurance.com/help/questions/993/ . Q: I was a W-2 employee and will be covered for next 16 months by previous Employer's (employer #1) COBRA Plan. My New Employer (employer #2) will not offer me health insurance (or consequentl ... Patty Arreguin Thu, 13 Mar 2008 11:02:09 EST http://cobrainsurance.com/help/questions/994/ Q: I need a contact number that I had on my primary forms which have been lost. Or at least the address were to send my check to. I need the address that persons covered under cobra mail there c ... Patty Arreguin Thu, 13 Mar 2008 11:16:22 EST http://cobrainsurance.com/help/questions/995/ Q: My employer has extended the time for COBRA to start as they never provided me with the COBRA package when I was let go. When can I expect a bill to get my payments up to date or an activatio ... Patty Arreguin Thu, 13 Mar 2008 11:33:43 EST http://cobrainsurance.com/help/questions/996/ Q: My girlfriend missed one payment and has been canncelled. She is sick with pnuemonia and is bi-polar. She has been immediately been canceled. Please is there something she can do? A: COBRA la ... Patty Arreguin Thu, 13 Mar 2008 12:16:07 EST http://cobrainsurance.com/help/questions/997/ Q: If I leave one MA company with health insurance to another CT company without health insurance coverage can I sign up for COBRA insurance for the normal period of time through the first comp ... Patty Arreguin Thu, 13 Mar 2008 14:16:04 EST http://cobrainsurance.com/help/questions/998/ Q: My wife is pregnant and currently has no insurance because we are currently in the UK and covered by NHS. We are moving to MD in one month time. Can we get COBRA cover until she is employed? ... Patty Arreguin Thu, 13 Mar 2008 16:23:51 EST http://cobrainsurance.com/help/questions/999/ Q: My husband recently quit a job to move to another one. Our new insurance plan doesn't start up until May 4th. Can we get COBRA as our insurance until that time? A: COBRA is a federal law ... Patty Arreguin Thu, 13 Mar 2008 16:44:03 EST http://cobrainsurance.com/help/questions/1000/ Q: My dependent child started 36 months of COBRA coverage after he reached the age where he no longer qualified as a dependent. I am the covered employee. My dependent has used 12 months of tha ... Patty Arreguin Fri, 14 Mar 2008 09:11:43 EST http://cobrainsurance.com/help/questions/1001/ Q: My husband is out on short term disability, he received a letter from his employer stating after 8 weeks, he must pay the insurance premium himself and after 12 weeks he needs to pay cobra. D ... Patty Arreguin Fri, 14 Mar 2008 09:32:22 EST http://cobrainsurance.com/help/questions/1002/ Q: I was recently laid off and would like to keep my current coverage as I have not yet received any information from my former employer. I understand they're obligated to send me some kind of ... Patty Arreguin Fri, 14 Mar 2008 12:59:16 EST http://cobrainsurance.com/help/questions/1003/ Q: I have taught school with the same school system for seven years. This past July, my husband quit his job and opened up his own business. Since then, I got health insurance through my school ... Patty Arreguin Fri, 14 Mar 2008 13:50:26 EST http://cobrainsurance.com/help/questions/1004/ Q: It has been 59 days since my son's employer shows he 'exited' his job. His former employer has not been forthcoming with any information at all. (After several requests, last week they finall ... Patty Arreguin Fri, 14 Mar 2008 16:00:38 EST http://cobrainsurance.com/help/questions/1005/ Q: How long is Cobra coverage?A: Your length of coverage is determined by your qualifying event. 18 months: job termination(quit or got “let go”), reduction of working hours 36 m ... Patty Arreguin Wed, 09 Apr 2008 12:27:40 EDT http://cobrainsurance.com/help/questions/1006/ Q: I am interested in cobra coverage. I no longer work for my last company. How do I start coverage?A: If you are working for a company that has more than 20 employee's than it is a federal law t ... Patty Arreguin Fri, 14 Mar 2008 16:56:42 EST http://cobrainsurance.com/help/questions/1007/ Q: I have been sending payments for a few months now, but I have lost your address. Where do I send my COBRA payment? A: Since COBRA is a continuation of the past employers group health plan, yo ... Patty Arreguin Mon, 17 Mar 2008 16:40:00 EST http://cobrainsurance.com/help/questions/1008/ Q: Is it possible to have - and pay - for just one week of Cobra coverage? Or is there a minimum period I have to pay for?A: Usually you make your COBRA payments monthly and the minimum amount ... Patty Arreguin Mon, 17 Mar 2008 16:46:10 EST http://cobrainsurance.com/help/questions/1009/ Q: I am a current federal government employee and my ex-wife has her current health coverage thru COBRA. If I was to change jobs and take a position in the private sector what impact, if any, w ... Patty Arreguin Mon, 17 Mar 2008 16:56:21 EST http://cobrainsurance.com/help/questions/1010/ Q: How do I find out what doctors take this insurance on the Big Island of Hawaii?A: COBRA is a continuation of an employer's group plan. Since it is the same benefits, same coverages you had b ... Patty Arreguin Tue, 18 Mar 2008 09:32:16 EST http://cobrainsurance.com/help/questions/1011/ Q: If I (as the employee) terminate my employment 6 months prior to becoming eligible for Medicare and enroll myself and my spouse in COBRA, does my spouse lose COBRA eligibility at the time that ... Patty Arreguin Tue, 18 Mar 2008 09:40:55 EST http://cobrainsurance.com/help/questions/1012/ Q: I would like to know the costs of Cobra Health Insurance if I were to quit my job? A: COBRA is offered to you by your employer. It is a continuation of the same group health plan that you were ... Patty Arreguin Tue, 18 Mar 2008 11:02:49 EST http://cobrainsurance.com/help/questions/1013/ Q: I had double cobra coverage for 2 months. Now the 2nd cobra company requests information on the 1st cobra company. What kind of financial or legal obligation would I be under?A: You can not ha ... Patty Arreguin Tue, 18 Mar 2008 11:18:13 EST http://cobrainsurance.com/help/questions/1014/ Q: I want to see a quote on how much Cobra will cost for me? A: If you now qualify for COBRA, you are responsible for paying the entire cost of the insurance. It is a continuation of the sam ... Patty Arreguin Tue, 18 Mar 2008 11:28:32 EST http://cobrainsurance.com/help/questions/1015/ Q: I was fired, how do I file for COBRA? A: The only way you will be able to elect COBRA is through your past employer. They will send the information in the mail along with the election form. ... Patty Arreguin Tue, 18 Mar 2008 13:27:34 EST http://cobrainsurance.com/help/questions/1016/ Q: I wanted to ask for the price of this meds on a COBRA payment: accupril 40mg, twice a day; lasix 40mg twice a day; K-dur 20meq, twice a day; Humilin NPH 25 units once a day, protonix 40mg onc ... Patty Arreguin Tue, 18 Mar 2008 13:48:32 EST http://cobrainsurance.com/help/questions/1018/ Q: You offer some very well priced policies. A: We offer lower cost medical insurance plans. These plans are an alternative to the high cost of the extension of your past employer’s plan ... Patty Arreguin Tue, 18 Mar 2008 16:04:32 EST http://cobrainsurance.com/help/questions/1019/ Q: I live in New Jersey and am currently insures by COBRA group health care plan. I just received a letter stating that the rates have gone up from $350 to $420. I cannot afford this payment and ... Patty Arreguin Tue, 18 Mar 2008 16:28:10 EST http://cobrainsurance.com/help/questions/1020/ My parents sent a check to retroactively cover the cost of COBRA since I am no longer a college student and am no eligible for health insurance through my part time job. The check was sent arount ... Patty Arreguin Tue, 18 Mar 2008 16:39:10 EST http://cobrainsurance.com/help/questions/1021/ Q: Upon leaving my job in June of 2007, I had a verbal discussion with my boss regarding COBRA. I told him that would only need COBRA for 2 months (July and August 2007) as my new insurance woul ... Patty Arreguin Tue, 18 Mar 2008 16:59:10 EST http://cobrainsurance.com/help/questions/1022/ Q: What recourse (if any) do I have against the COBRA administrator for not forwarding the medical premiums paid in a timely manner? In addition to slow payment of medical premiums to our health ... Patty Arreguin Wed, 19 Mar 2008 10:36:06 EST http://cobrainsurance.com/help/questions/1024/ Q: I was laid of from my job at the end of September and I started paying for COBRA right away. Although, I could not afford to pay for COBRA I made sure I did anyways. It took from the date I ... Patty Arreguin Wed, 19 Mar 2008 12:03:07 EST http://cobrainsurance.com/help/questions/1025/ Q: I resigned from my former employer back in October 2007. I elected COBRA for myself and my family. We received no communication from my former employer until I contacted them in December 200 ... Patty Arreguin Wed, 19 Mar 2008 12:16:46 EST http://cobrainsurance.com/help/questions/1026/ Q: If I quit my job without giving any notice, can I be denied cobra coverage?? Or do I have to give 2 weeks notice? A: Under COBRA law, an employer with more than 20 employees MUST offer ... Patty Arreguin Wed, 19 Mar 2008 12:25:26 EST http://cobrainsurance.com/help/questions/1027/ Q: I have an employee who quit and he is 70 years old and will be opting for Medicare. His spouse is taking COBRA coverage through our group health plan, what is her maximum COBRA period? Is it ... Patty Arreguin Wed, 19 Mar 2008 14:12:23 EST http://cobrainsurance.com/help/questions/1028/ Q: An Employee turned 65, signed up for Medicare part A. Signed up for Medicare Part B a few months later. Employer’s group plan for he and spouse was continued under COBRA at that time be ... Patty Arreguin Wed, 19 Mar 2008 14:27:18 EST http://cobrainsurance.com/help/questions/1029/ Q: I am retiring at age 63 and will go on Cobra until Medicare at age 65. I will need 21 months of coverage. My company is telling me they can put me on Cobra for the 21 months but everything I ... Patty Arreguin Wed, 19 Mar 2008 15:19:47 EST http://cobrainsurance.com/help/questions/1030/ Q: My husband went on Medicare Dec 2006. He is now working but if he retires from his job on June 1, 2008, how long can I, as his spouse, (I am 61) stay on COBRA? And, can he continue his supple ... Patty Arreguin Wed, 19 Mar 2008 16:33:46 EST http://cobrainsurance.com/help/questions/1031/ Q: If I am covered under my husbands plan and he takes me off because of separation. Am I entitled for Cobra for the 36 month plan? There after once the 36 months are up can I then reapply for m ... Patty Arreguin Thu, 20 Mar 2008 09:27:43 EST http://cobrainsurance.com/help/questions/1032/ Q: Recently our company was purchased by another one and my co-worker was released by the new company. He asked me to help him with questions like who can he contact about signing up with the fo ... Patty Arreguin Thu, 20 Mar 2008 09:42:33 EST http://cobrainsurance.com/help/questions/1033/ Q: My husband is taking an early retirement from a company that is compliant with HIPA A regulations. He will sign on to COBRA with me as a dependent. Both of us have preexisting conditions. He ... Patty Arreguin Thu, 20 Mar 2008 10:02:14 EST http://cobrainsurance.com/help/questions/1034/ Q: I am not very smart on this insurance thing so help me out if you can. I am covered under my insurance for my pregnancy, it is a good insurance policy and only $250 out of pocket expense from ... Patty Arreguin Thu, 20 Mar 2008 10:26:39 EST http://cobrainsurance.com/help/questions/1035/ Q: I am being laid off from my job. Does Cobra cover all pre existing medical conditions? A: COBRA is a federal law that requires an employer (with more than 20 employees) to offer you continua ... Patty Arreguin Thu, 20 Mar 2008 10:35:04 EST http://cobrainsurance.com/help/questions/1036/ Q: I was laid off in October of 2007. I elected to take the COBRA coverage from my employer. It is a PPO plan and I pay $777.58/month for the coverage. I received a bill from the insurance compa ... Patty Arreguin Thu, 20 Mar 2008 11:15:55 EST http://cobrainsurance.com/help/questions/1037/ A: If the employee and spouse are already have COBRA benefits when the employee starts receiving Medicare benefits, the spouse is entitled for an additional 18 months for a maximum of 36 mont ... Patty Arreguin Thu, 20 Mar 2008 11:18:48 EST http://cobrainsurance.com/help/questions/1039/ Q: My wife is with a company that is no longer going to provide insurance for employees. This companies insurance is up for renewal. If she stays an employee and the company has no policy in eff ... Patty Arreguin Thu, 20 Mar 2008 16:13:38 EST http://cobrainsurance.com/help/questions/1040/ Q: I’m 3 months pregnant and previously declined cobra insurance. Are there any other options that yours have to offer.A: Depending on the state you live in, you would be eligible for our ... Patty Arreguin Thu, 27 Mar 2008 10:25:09 EST http://cobrainsurance.com/help/questions/1041/ Q: I left former company in October '07 and at the time had coverage thru Aetna and then signed up for COBRA. The company switched to United about 2 months ago and COBRA was switched over no pro ... Patty Arreguin Thu, 27 Mar 2008 11:14:19 EST http://cobrainsurance.com/help/questions/1042/ Q: Can I change coverage from PPO to HMO for the duration I would be covered under the Cobra plan? A: COBRA is a continuation of the same benefits, same coverage that you had before the qu ... Patty Arreguin Thu, 27 Mar 2008 16:17:58 EST http://cobrainsurance.com/help/questions/1043/ Q: Do I qualify for cobra if I quit my existing for a new job where there will be 90 day probationary period when benefit won't be available. A: If your employer has more than 20 employees they ... Patty Arreguin Fri, 28 Mar 2008 10:58:20 EST http://cobrainsurance.com/help/questions/1044/ Q: I am a retiree of Aloha Airlines and am 63 years old. I am still covered under their health insurance. It appears they may be liquidated. If they are closed down will my wife and I still be e ... Patty Arreguin Fri, 28 Mar 2008 11:14:48 EST http://cobrainsurance.com/help/questions/1045/ Q: Can I continue only the dental and optical coverage of Cobra? My new health insurance at my new job offers only medical, no dental or optical. Can I continue only these two? A: You will be all ... Patty Arreguin Fri, 28 Mar 2008 16:00:14 EST http://cobrainsurance.com/help/questions/1046/ Q: Is there a way I can get information as to the exact time I was a member with COBRA from what month in 2004 to what month and for how long also the amount of my monthly payments... I need this ... Patty Arreguin Fri, 25 Jul 2008 13:08:37 EDT http://cobrainsurance.com/help/questions/1047/ Q: I researched your site and could not come up with a suitable answer to my question. If a firm located in Italy with several hundred employees has only 5 employees in the U-S, are those 5 cove ... Patty Arreguin Fri, 04 Apr 2008 09:51:50 EST http://cobrainsurance.com/help/questions/1048/ Q: How do I find out what my account/ID number is for Cobra?A: You will need to contact your previous employer or their COBRA plan administrator for your COBRA account information. If you are lo ... Patty Arreguin Fri, 04 Apr 2008 09:58:36 EST http://cobrainsurance.com/help/questions/1049/ Q: If a company has less than 20 employees, can it offer Cobra benefits or is it prohibited by law because it falls into the small employers group?A: If the company has less than 20 employees they ... Patty Arreguin Fri, 04 Apr 2008 10:27:34 EST http://cobrainsurance.com/help/questions/1050/ Q: The California company I worked for called me on Feb 29th to tell me that they were going to have to lay me off that day. They would pay me that paycheck and the next one but my work ended t ... Patty Arreguin Fri, 04 Apr 2008 11:13:28 EST http://cobrainsurance.com/help/questions/1051/ Q: My former employer has changed insurance providers for my COBRA. They informed me they will be charging me a 2% fee on top of the monthly COBRA insurance payment. Can they do this? A: ... Patty Arreguin Fri, 04 Apr 2008 12:04:46 EST http://cobrainsurance.com/help/questions/1052/ Q: Can COBRA be available from a company that files chapter 7? A: If the employer cancels their group health insurance policy and no longer offers group health benefits to any active employ ... Patty Arreguin Fri, 04 Apr 2008 12:11:10 EST http://cobrainsurance.com/help/questions/1053/ Q: If you are terminated from a job because of a temporary possibly permanent disability, and are eligible for either Cobra or a conversion plan from the health insurance plan that you were just ... Patty Arreguin Fri, 04 Apr 2008 12:29:03 EST http://cobrainsurance.com/help/questions/1054/ Q: There is a chance the company I work for may close down - I am diabetics - how can I get coverage?A: If your employer closes down and they cancel their group health policy, you will not be ... Patty Arreguin Fri, 04 Apr 2008 15:37:56 EST http://cobrainsurance.com/help/questions/1056/ Q: If I am employed and my wife has a preexisting condition, do I have to get COBRA only for her and then can I get insured by my employer for me and my children only or do I have to get COBRA f ... Patty Arreguin Fri, 04 Apr 2008 16:19:26 EST http://cobrainsurance.com/help/questions/1058/ Q: My company failed to offer me Cobra for 12 months, instead they continued insurance coverage at no cost to me even after I called and questioned it. Then they retroactively cancelled the ins ... Patty Arreguin Mon, 07 Apr 2008 17:36:14 EDT http://cobrainsurance.com/help/questions/1059/ Q: My husband started his job 4 months ago and there was a 90 day waiting period before insurance would become effective. Our insurance came into effect on April 1 2008. My husband quit his job ... Patty Arreguin Mon, 07 Apr 2008 17:49:52 EDT http://cobrainsurance.com/help/questions/1060/ Q: How soon will COBRA take effect, since I have a doctors appointment 4/24/08. Will I have coverage for that appointment? A: As long as you sign up for COBRA before your election period en ... Patty Arreguin Tue, 08 Apr 2008 15:02:45 EDT http://cobrainsurance.com/help/questions/1061/ Q: How long after leaving employment, should I be receiving my COBRA offer? A: COBRA law gives your employer or their COBRA plan administrator up to 45 days to mail you the COBRA packet from ... Patty Arreguin Tue, 08 Apr 2008 15:24:27 EDT http://cobrainsurance.com/help/questions/1062/ Q: I am covered under COBRA until April 31st. My new insurance activates on May 1st however. How do I discontinue cobra coverage? A: You will need to contact your previous employer or thei ... Patty Arreguin Tue, 08 Apr 2008 16:08:38 EDT http://cobrainsurance.com/help/questions/1063/ Q: I have sent all the necessary paperwork and payment. I've looked at my bank statement and the check has been cashed. When will I know if my insurance has been reinstated? Am I going to recei ... Patty Arreguin Tue, 08 Apr 2008 16:18:24 EDT http://cobrainsurance.com/help/questions/1064/ Q: If I currently have insurance through my job and I pay $147 for my child and myself, how much will I pay if I heave my job or get terminated and go to COBRA. How much will it be monthly? I d ... Patty Arreguin Tue, 08 Apr 2008 17:08:47 EDT http://cobrainsurance.com/help/questions/1065/ Q: I had left my previous employer in mid March! I am 9 months pregnant and went for a prenatal appt. today and was told that I was inactive. They will not see me any longer until I have proof ... Patty Arreguin Wed, 09 Apr 2008 11:08:43 EDT http://cobrainsurance.com/help/questions/1066/ Q: Does COBRA cover expenses like hotel and airfare for a hospital visit? A: COBRA is a continuation of a previous employer’s group health plan. If these benefits were available on t ... Patty Arreguin Wed, 09 Apr 2008 11:15:06 EDT http://cobrainsurance.com/help/questions/1067/ Q: I currently have Cobra as my job was eliminated at my past employer- I am in the process of moving but have been offered a temporary position. This employer offers health coverage immediately ... Patty Arreguin Wed, 09 Apr 2008 11:34:45 EDT http://cobrainsurance.com/help/questions/1068/ Q: My COBRA was canceled on Feb. 29, 2008. How can I reinstate it? A: Usually when your COBRA has been canceled you can not get it reinstated. If you have exhausted the 18 months of con ... Patty Arreguin Wed, 09 Apr 2008 12:24:23 EDT http://cobrainsurance.com/help/questions/1069/ Q: My son turned 25 in December and he is no longer under my insurance at work. He is now covered under COBRA but has the same insurance as if he was covered under my insurance. What happens to ... Patty Arreguin Wed, 09 Apr 2008 12:33:46 EDT http://cobrainsurance.com/help/questions/1070/ Q: I am currently an insured teacher and going on strike next week. I have insurance coverage until 4/21/2008. I am also due to give birth on May 15th. If I need to COBRA my insurance will it g ... Patty Arreguin Wed, 09 Apr 2008 12:40:20 EDT http://cobrainsurance.com/help/questions/1071/ Q: I started a new job, my wife and I have only been covered under their insurance for a very short time. Is there a minimal amount of time she needs to be "Covered" before she become eligible ... Patty Arreguin Wed, 09 Apr 2008 13:07:42 EDT http://cobrainsurance.com/help/questions/1072/ Q: I have a number of problems in my foot that my podiatrist says will eventually require surgery.. If I put off the surgery to correct the problem, and attempt to receive coverage for it under ... Patty Arreguin Wed, 09 Apr 2008 13:20:31 EDT http://cobrainsurance.com/help/questions/1074/ Q: I am quitting my job and will need COBRA as soon as I quit. I am also getting married. Can I add my spouse to my plan after we get married? A: If your employer has more than 20 employees ... Patty Arreguin Wed, 09 Apr 2008 16:16:08 EDT http://cobrainsurance.com/help/questions/1075/ Q: My husband was laid off and told by his employer that COBRA election papers would be mailed to him. To date, no forms have been sent. He had 2 children on his health insurance plan and was to ... Patty Arreguin Wed, 09 Apr 2008 16:38:14 EDT http://cobrainsurance.com/help/questions/1076/ Q: I am currently employed by a company where I have Kaiser for my medical insurance. If I were to quit my job, would I be able to apply for COBRA and still maintain my Kaiser membership? I am u ... Patty Arreguin Wed, 09 Apr 2008 17:24:55 EDT http://cobrainsurance.com/help/questions/1077/ Q: I was let go by my company on 3/24/08. My health insurance ended on 3/31/08. To this date, I haven't received my COBRA notice yet. My question is when can I file a complaint with the Labor B ... Patty Arreguin Thu, 10 Apr 2008 12:40:36 EDT http://cobrainsurance.com/help/questions/1078/ Q: My daughter has Cobra insurance from her former Employer. She currently covers her self, husband and two children. Due to money problems we are paying the premiums and it’s not easy. C ... Patty Arreguin Thu, 10 Apr 2008 12:47:46 EDT http://cobrainsurance.com/help/questions/1079/ Q: After 18 months of being on COBRA insurance what happens. What insurance will I be able to get once my 18 months are up? A: If you can’t be added to a new employer’s group pl ... Patty Arreguin Thu, 10 Apr 2008 14:28:54 EDT http://cobrainsurance.com/help/questions/1080/ Q: My Coverage has expired (18 months) and no other Ins. Company (because of my Type 1 Diabetes) will insure me. I only need coverage for 5 months when I turn 65. Is there any way to extend my ... Patty Arreguin Thu, 10 Apr 2008 16:15:19 EDT http://cobrainsurance.com/help/questions/1081/ Q: I started COBRA coverage almost 18 months ago and pay the monthly premiums. My health insurance coverage is with CIGNA and I really don't want to lose my doctors. What happens after 18 months ... Patty Arreguin Thu, 10 Apr 2008 16:26:30 EDT http://cobrainsurance.com/help/questions/1082/ Q: I elected to receive COBRA Health insurance for the month that we did not have health insurance due to my husband's job change. I had already met my deductible with the original insurance po ... Patty Arreguin Thu, 10 Apr 2008 17:18:24 EDT http://cobrainsurance.com/help/questions/1083/ Q: In March 2008 I was first notified that my COBRA rate was raised in January 2008 and that I owe my previous employer the rate difference for my January coverage. I discontinued my COBRA cover ... Patty Arreguin Thu, 10 Apr 2008 17:31:39 EDT http://cobrainsurance.com/help/questions/1084/ Q: I worked for a company in California and they had offered me Cal-COBRA can I still get those benefits if I have moved to Las Vegas. A: Cal-COBRA is a California issued law that allows a ... Patty Arreguin Thu, 10 Apr 2008 18:04:40 EDT http://cobrainsurance.com/help/questions/1085/ Q: I am currently an employee at a company. The president of the company has been sued and looks like he will no longer be the owner and that the company will be assigned to a trustee, and possi ... Patty Arreguin Fri, 11 Apr 2008 10:17:06 EDT http://cobrainsurance.com/help/questions/1086/ Q: I was told that I had COBRA coverage after I moved from Ohio to South Carolina. However, now that I paid my premium and want to use it, I am told that I have no coverage as I will be "out of ... Patty Arreguin Fri, 11 Apr 2008 11:07:22 EDT http://cobrainsurance.com/help/questions/1087/ Q: My daughter is losing her dental coverage thru me due to graduation from college. What would a COBRA premium cost? A: Only your employer’s HR department's benefits manager or ... Patty Arreguin Fri, 11 Apr 2008 11:23:45 EDT http://cobrainsurance.com/help/questions/1088/ Q: I have recently started a new job, and the health benefits do not kick in until May 1st. I left my last Job on March 20 and have not received any information on COBRA. I have recently been in ... Patty Arreguin Fri, 11 Apr 2008 11:33:48 EDT http://cobrainsurance.com/help/questions/1089/ Q: My ex-wife and I were divorced in December 2004, since then I have been paying for her health insurance coverage with the city of New York health plan plus the COBRA premium. The coverage is ... Patty Arreguin Fri, 11 Apr 2008 11:48:25 EDT http://cobrainsurance.com/help/questions/1090/ Q: I sent my COBRA check and the check already cleared the bank. We rec'd notice from COBRA that plan will not be continued unless we make a payment. A: You should contact your previous em ... Patty Arreguin Fri, 11 Apr 2008 12:04:13 EDT http://cobrainsurance.com/help/questions/1091/ Q: My employer did not send information within the 45 days of last day of group coverage. I had contacted them several times. When I did receive it stated that I had to pay retroactive premium ... Patty Arreguin Fri, 11 Apr 2008 12:19:32 EDT http://cobrainsurance.com/help/questions/1092/ Q: My son lost his job and did not pay enough attention to his Cobra options. So he did not elect to have the coverage. He was recently in accidents that caused an ER visit and some outpatient s ... Patty Arreguin Fri, 11 Apr 2008 13:13:58 EDT http://cobrainsurance.com/help/questions/1093/ Q: How can I get reinstated? The late payment was no fault of mine. I am currently using Wageworks to cover my insurance premium and they sent the check back because of the different amount. By ... Patty Arreguin Fri, 11 Apr 2008 15:47:28 EDT http://cobrainsurance.com/help/questions/1094/ Q: I am currently pregnant and my employer’s insurance little did I know DOESNT HAVE MATERNITY OPTION. Which I would of never got if I would of known. So now I can not add maternity to my ... Patty Arreguin Fri, 11 Apr 2008 17:59:38 EDT http://cobrainsurance.com/help/questions/1095/ Q: Family health benefits at new company are free to employee but cost almost $950 per month with a $5,000 per month deductible and our current doctors are not on the new plan as in-network. Old ... Patty Arreguin Tue, 15 Apr 2008 15:17:14 EDT http://cobrainsurance.com/help/questions/1096/ Q: I purchased Cobra for approx. 2 months. I need documentation from you on the dates I was covered by Cobra, for my new Insurance Company. A: You will need to contact your previous employ ... Patty Arreguin Tue, 15 Apr 2008 15:32:16 EDT http://cobrainsurance.com/help/questions/1097/ Q: I would like to know how to add my newborn to our current cobra insurance. I just started cobra this month and my insurance holder said I would have to add our newborn son to our Cobra insur ... Patty Arreguin Tue, 15 Apr 2008 16:51:45 EDT http://cobrainsurance.com/help/questions/1098/ Q: Our 23 year old daughter was teaching in Thailand from June 2007-February 2008, had health insurance with the school in Bangkok. She has returned to the US, is 4 months pregnant with no insur ... Patty Arreguin Tue, 15 Apr 2008 17:36:15 EDT http://cobrainsurance.com/help/questions/1099/ Q: I am changing jobs. My new insurance premiums for my kids will be much higher at my new job. Can I use COBRA to keep my current insurance rates for my kids? If so for how long? A: As lo ... Patty Arreguin Wed, 16 Apr 2008 10:44:08 EDT http://cobrainsurance.com/help/questions/1100/ Q: I was laid off from my 1199 unionized hospital job in Jan of 07. I joined the Job Security Fund of 1199 which has paid me a stipend and continued my health benefits for me and my family over ... Patty Arreguin Wed, 16 Apr 2008 10:56:02 EDT http://cobrainsurance.com/help/questions/1101/ Q: My husband lost his job and I am eligible for insurance through my company...but I have a pre-existing condition that I have been told will not be covered by my new insurance. I want to use ... Patty Arreguin Wed, 16 Apr 2008 11:14:55 EDT http://cobrainsurance.com/help/questions/1102/ Q: Upon resigning, I asked for a COBRA form from my employer. She gave it to me and I tried to fill it out about 2 weeks later. However, when I was calling the insurance to find out exactly wher ... Patty Arreguin Wed, 16 Apr 2008 11:31:36 EDT http://cobrainsurance.com/help/questions/1103/ Q: I was dismissed from Stock Building Supply on February 29th and returned to work on March 31, 2008. I applied and paid for Cobra for the month of March, but returned to work March 31st. I wou ... Patty Arreguin Wed, 16 Apr 2008 11:39:22 EDT http://cobrainsurance.com/help/questions/1104/ Q: I have recently retired from a company where I had health insurance. I have just started an at home business. The company I just retired from wants to hire my services as an independent Con ... Patty Arreguin Wed, 16 Apr 2008 15:35:19 EDT http://cobrainsurance.com/help/questions/1105/ Q: My family recently moved to AZ (from CA) where they do not have providers that will accept our insurance. Do to my husbands medication needs and my previous upper GI Bleed we are considered ... Patty Arreguin Wed, 16 Apr 2008 17:14:48 EDT http://cobrainsurance.com/help/questions/1106/ Q: My spouse is the person whose insurance we used to cover the whole family. He was recently fired and I have determined I am eligible to cover my family using my company's policy. The problem ... Patty Arreguin Wed, 16 Apr 2008 17:21:51 EDT http://cobrainsurance.com/help/questions/1107/ Q: If I’m thinking of leaving my current job and ask how much COBRA will be, can HR share that I asked with my boss? A: Your HR department can alert your boss that you were inquiring a ... Patty Arreguin Wed, 16 Apr 2008 17:45:03 EDT http://cobrainsurance.com/help/questions/1108/ Q: My husband was laid off in January and we're currently on COBRA. I started a job in mid-April with benefits that began the first day. This job doesn't look like it is good fit and I may re ... Patty Arreguin Thu, 17 Apr 2008 15:11:52 EDT http://cobrainsurance.com/help/questions/1109/ I am retiring at 64 1/2 at the end of this month and my spouse is 62 1/2. Her work does not provide health insurance. Thus, we plan on electing COBRA coverage for the both of us. I would like the ... Patty Arreguin Thu, 17 Apr 2008 16:19:10 EDT http://cobrainsurance.com/help/questions/1110/ Q: I sent a check to my former employer for cobra benefits to be applied to myself, my husband and my two children. They cashed my check and I'm afraid they paid for my benefits only, keeping t ... Patty Arreguin Thu, 17 Apr 2008 17:16:47 EDT http://cobrainsurance.com/help/questions/1111/ Q: After my initial COBRA "activation payment" for August '07, I was subsequently never sent any monthly bills by my COBRA provider, (and was not aware that this would be the case). On 12/27 I r ... Patty Arreguin Thu, 17 Apr 2008 17:52:55 EDT http://cobrainsurance.com/help/questions/1112/ Q: I'm a retired employee. From the time of my retirement (2006) I've made monthly online payments towards my dental plan. Two months ago my dentist informed me the policy was terminated. I wa ... Patty Arreguin Wed, 16 Jul 2008 11:51:39 EDT http://cobrainsurance.com/help/questions/1113/ Q: Our daughter worked in Charlotte NC for 9 years. When she left she took another job, but was only there 2 or 3 months. She has been paying COBRA since May of 2007. She was recently hired (M ... Patty Arreguin Tue, 22 Jul 2008 10:42:38 EDT http://cobrainsurance.com/help/questions/1114/ Q: My daughter is 19, pregnant, no husband we have her covered on my work insurance, but I am changing jobs what is the best way to keep her on an insurance program. A: If the employer you ... Patty Arreguin Tue, 22 Jul 2008 11:33:31 EDT http://cobrainsurance.com/help/questions/1116/ Q: I am currently on Cobra from my previous employer and have 15 mos. left... I have been offered a new job and there healthcare plan is too expensive. Can I continue paying the old company the ... Patty Arreguin Tue, 22 Jul 2008 14:36:09 EDT http://cobrainsurance.com/help/questions/1117/ Q: I have contacted my insurance company for cobra coverage for my daughter - who recently graduated, but they seem to be unable to get her enrolled. It has been 3 weeks and all they tell me is ... Patty Arreguin Tue, 22 Jul 2008 16:39:35 EDT http://cobrainsurance.com/help/questions/1119/ Q: My husband will go on Medicare shortly and we are on COBRA and I will have individual extended coverage which will end Feb. 2009. Can I get coverage through COBRA to cover me for maybe 4 yea ... Patty Arreguin Tue, 22 Jul 2008 17:49:16 EDT http://cobrainsurance.com/help/questions/1120/ Q: I misplaced the address that was given to me from a COBRA representative to mail my first premium out to. Where do I send my COBRA payment? A: You probably spoke to a 3rd party COBRA ... Patty Arreguin Wed, 23 Jul 2008 10:25:56 EDT http://cobrainsurance.com/help/questions/1121/ Q: I live in Boston MA, my husband and I’m insured through my employer. We are planning to relocate to Miami, FL. A: COBRA requires an employer with more than 20 employees to offer ... Patty Arreguin Wed, 23 Jul 2008 10:38:00 EDT http://cobrainsurance.com/help/questions/1122/ Q: My husband and I started Cobra in Oct of 2007...I will start Medicare soon. What will our premium be at that time? A: You will need to contact your former employer or their COBRA plan a ... Patty Arreguin Wed, 23 Jul 2008 10:58:37 EDT http://cobrainsurance.com/help/questions/1123/ Q: I quit my job over 60 days ago. I was told I could keep my insurance coverage thru my previous employer for 18 months. I have been making payments to my employer. I have NEVER heard of COBRA ... Patty Arreguin Wed, 23 Jul 2008 11:20:06 EDT http://cobrainsurance.com/help/questions/1124/ Q: My husband is changing jobs and I am five weeks pregnant, we have COBRA insurance for now, but will change to his employers insurance after his 90 days. Will our new insurance cover my pregn ... Patty Arreguin Wed, 23 Jul 2008 14:12:26 EDT http://cobrainsurance.com/help/questions/1125/ Q: I am changing jobs. I will have coverage for myself and I am trying to decide whether to get the cobra coverage for my 17 year old son. He's in the midst of treatments that are lengthening h ... Patty Arreguin Wed, 23 Jul 2008 14:20:55 EDT http://cobrainsurance.com/help/questions/1126/ Q: If employees opt out of the benefit plans do employers still have to list them with a COBRA vendor as new employees and if they terminate do you have to offer them COBRA? A: An employee ... Patty Arreguin Wed, 23 Jul 2008 14:32:17 EDT http://cobrainsurance.com/help/questions/1127/ Q: I am on Cobra in the State of Florida. I have been declined for individual health insurance because of pre-existing conditions - what are my options when Cobra runs out? A: A new employer& ... Patty Arreguin Wed, 23 Jul 2008 15:45:45 EDT http://cobrainsurance.com/help/questions/1129/ Q: My employment ends on the last day of this month. My coverage for me and my wife will end. My wife's employment in a different state will start in a few months and benefits will begin on the ... Patty Arreguin Wed, 23 Jul 2008 17:09:18 EDT http://cobrainsurance.com/help/questions/1131/ Q: I have been on COBRA for three years this September. When my husband passed away three years ago, I was allowed to continue with his company on COBRA. I am unemployed at the present and would ... Patty Arreguin Thu, 24 Jul 2008 15:14:29 EDT http://cobrainsurance.com/help/questions/1134/ Q: I would like to wait for coverage as long as possible and start Cobra if I need it. If I don't need it and find other insurance within the "45 days the employer has to send me the paperwork" ... Patty Arreguin Thu, 24 Jul 2008 16:55:46 EDT http://cobrainsurance.com/help/questions/1135/ Q: I quit my job and began receiving CAL-COBRA benefits. I was under the impression that the law regarding the length of time for those benefits had changed from 18 months to 36 months. Am I cor ... Patty Arreguin Thu, 24 Jul 2008 17:24:22 EDT http://cobrainsurance.com/help/questions/1136/ Q: I quit my job and began receiving CAL-COBRA benefits. I was under the impression that the law regarding the length of time for those benefits had changed from 18 months to 36 months. Am I cor ... Patty Arreguin Fri, 25 Jul 2008 13:23:14 EDT http://cobrainsurance.com/help/questions/1137/ Q: I'm wondering if it is possible to find out how much COBRA will be if I quit my job. Is it possible to find this out without talking to my HR department? A: COBRA is offered to you by your em ... Patty Arreguin Fri, 25 Jul 2008 17:49:59 EDT http://cobrainsurance.com/help/questions/1139/ Q: My daughter is covered under my health plan, but will be dropped because she is not returning to school in the fall. She has a hernia that needs repair. Would this be covered under COBRA? ... Patty Arreguin Tue, 05 Aug 2008 12:08:16 EDT http://cobrainsurance.com/help/questions/1140/ Q: I am 7 months pregnant and receiving insurance at work along with my husband, but this is under my plan at work. I don't know how much longer I am able to handle the severe stress that is co ... Patty Arreguin Tue, 05 Aug 2008 14:07:10 EDT http://cobrainsurance.com/help/questions/1141/ Q: We have a new insurance company. How can I stop the payments to COBRA? The contract was that I will have COBRA for 18 months or until I have a new insurance company. A: You will need to ... Patty Arreguin Tue, 05 Aug 2008 14:21:32 EDT http://cobrainsurance.com/help/questions/1142/ Q: My sister quit her job and when she applied for COBRA coverage they declined her - is that legal? My understanding was they have to cover you for 18 months. A: COBRA is a federal law. ... Patty Arreguin Tue, 05 Aug 2008 14:41:33 EDT http://cobrainsurance.com/help/questions/1143/ Q: I work for a company that has about 18 employees. I will be changing jobs and need to know if I will be eligible for COBRA. I have asked my current insurance company and was assured that I a ... Patty Arreguin Tue, 05 Aug 2008 14:50:27 EDT http://cobrainsurance.com/help/questions/1144/ Q: If an employee reaches their Lifetime Maximum for benefits under a health plan, does that trigger a qualifying event for COBRA? A: Since COBRA is a continuation of an employer’s g ... Patty Arreguin Tue, 05 Aug 2008 15:07:30 EDT http://cobrainsurance.com/help/questions/1145/ Q: I am currently on COBRA in Florida through my prior employer. We are considering moving to Sacramento CA at the end of the year. How would I go about switching my Cobra insurance to a Califo ... Patty Arreguin Tue, 05 Aug 2008 15:23:20 EDT http://cobrainsurance.com/help/questions/1148/ Q: I recently had to leave my job before their insurance would cover any pre-existing conditions. If I am able to maintain COBRA until I would have been eligible under that plan will my pre-exis ... Patty Arreguin Tue, 05 Aug 2008 16:35:56 EDT http://cobrainsurance.com/help/questions/1150/ Q: I am currently covered by the Oman Insurance Company based in the Middle East, and my company is owned by a Dubai based employer, where I work full time for the last 10 years in the United Ar ... Patty Arreguin Tue, 05 Aug 2008 17:13:30 EDT http://cobrainsurance.com/help/questions/1151/ Q: I was laid off and I thought my severance package was till the end of June but it has run out (insurance was paid while I was under severance). I am working and my new employer will pay my C ... Patty Arreguin Tue, 05 Aug 2008 17:41:25 EDT http://cobrainsurance.com/help/questions/1152/ Q: I was fired from my job after 4 years I have had insurance with the company for about 2 years. Am I eligible for Cobra? They have over 20 employees and they are not a church. A: Being ... Patty Arreguin Tue, 05 Aug 2008 17:50:24 EDT http://cobrainsurance.com/help/questions/1238/ Q: I just tried cancelling my insurance by faxing the written statement to the number provided on this website and it would not work. I received a busy signal when trying to fax. Is the number on ... Patty Arreguin Mon, 09 Feb 2009 11:38:04 EST http://cobrainsurance.com/help/questions/1239/ Q: I recently switched from a job with a group health plan to a job without group health insurance. We declined COBRA and went for a cheaper individual plan. By the time we found out that the ind ... Patty Arreguin Mon, 09 Feb 2009 12:24:41 EST http://cobrainsurance.com/help/questions/1240/ Q: I need proof of coverage for tax purposes. Is there a form you can send me?A: Contact your previous employer if you had COBRA. Your human resources department will have record of your COBRA. Patty Arreguin Mon, 09 Feb 2009 12:24:31 EST http://cobrainsurance.com/help/questions/1247/ Q: My 18 months of COBRA coverage ends 2/28/09. I just found out my employer never notified my health care provider to notify of my leaving their employ. My current employer does not offer health ... Patty Arreguin Tue, 10 Feb 2009 10:28:40 EST http://cobrainsurance.com/help/questions/1248/ Q: My father got permittly laid off wondering if he can get ins thru my mom's employer even though he was offered cobra ins but it is way to exspensive mom's employer stated he had to take cobra ... Patty Arreguin Tue, 10 Feb 2009 10:45:37 EST http://cobrainsurance.com/help/questions/1249/ Q: I was terminated on February 5, 2009. The human resource manager says that they have to deduct our premiums on our last paycheck in order to qualify for Cobra. Is this the case?A: To qualify f ... Patty Arreguin Tue, 10 Feb 2009 11:04:08 EST http://cobrainsurance.com/help/questions/1266/ Q: I am interested in getting dental and health insurance for me and my spouse. I would like to know what it would cost and if I can pay this in the mail or thru my savings acct. I don't have a c ... Patty Arreguin Wed, 11 Feb 2009 10:44:06 EST http://cobrainsurance.com/help/questions/1267/ Q: Dr. Mark Jesson's office called to say you had refused to pay bills. Also, I needed to fill a prescription and the drugstore said I had to have a prescription card from Cobra. A: Cobra is ... Patty Arreguin Wed, 11 Feb 2009 11:00:37 EST http://cobrainsurance.com/help/questions/1268/ Q: I have not received any information for continuing coverage for my daughter who graduated college. She is no longer consider a dependent and covered under the company's family plan. I contacte ... Patty Arreguin Wed, 11 Feb 2009 11:14:11 EST http://cobrainsurance.com/help/questions/1270/ Q: I received a quote from SAS and when filling out the application was asked if I'd had any chest pain in the last 5 years. I had a panic attack over a year ago and with that came a symptom of s ... Patty Arreguin Thu, 12 Feb 2009 11:19:04 EST http://cobrainsurance.com/help/questions/1272/ Q: I was covered under my wife's insurance policy and she has canceled me from her policy. Am I eligible for COBRA?A: Cobra is NOT a company, but a federal law that allows you to continue on you ... Patty Arreguin Thu, 12 Feb 2009 11:23:12 EST http://cobrainsurance.com/help/questions/1279/ Q: Since I have a pre-existing condition (Diabetes type 2) I cannot choose an alternative plan and I don't see any other options for enrollment with regular Cobra. How do I enroll in regular Cobr ... Patty Arreguin Mon, 16 Feb 2009 11:02:43 EST http://cobrainsurance.com/help/questions/1281/ Q: I am 12 weeks pregnant & I don't know if I can get insurance. A: If you are pregnant, you really need to continue on Cobra. This will be your only option to have coverage for any pre-existin ... Patty Arreguin Mon, 16 Feb 2009 11:10:03 EST http://cobrainsurance.com/help/questions/1283/ Q: I worked for Vitamin Cottage/Aurora Co. and was laid offon 1-16-09. Part of the stimulus package is that the govt will pay for approx 65% of Cobra premiums. When does this start?A: We are Cob ... Patty Arreguin Mon, 16 Feb 2009 11:24:36 EST http://cobrainsurance.com/help/questions/1284/ Q: What legislation did COBRA amend?A: We are Cobrainsurance.com, we offer more affordable Cobra alternative plans. We are not affiliated to the Federal Government. If you are looking for info ... Patty Arreguin Mon, 16 Feb 2009 11:32:48 EST http://cobrainsurance.com/help/questions/1285/ Q: I have sent two months of payments (Jan & Feb) and I tried to go on online to pay March's payment. will you please let me know how to do this- I don't want to be late for many payments. A: Yo ... Patty Arreguin Mon, 16 Feb 2009 11:51:06 EST http://cobrainsurance.com/help/questions/1286/ Q: If a person loses job because company goes out of business will employees be able to obtain continued health insurance under COBR law with another insurance company. Will they be eligible for ... Patty Arreguin Mon, 16 Feb 2009 12:01:27 EST http://cobrainsurance.com/help/questions/1295/ Q: I have had aetna for the last 10years and was laid off in 9/08,still have my card but it is expired,is there a way to renew my plan while I'm collecting unemployment under the new Fedral plans ... Patty Arreguin Tue, 17 Feb 2009 15:32:53 EST http://cobrainsurance.com/help/questions/1296/ Q: When the new stimulus package is signed by Pres. Obama, there is a portion of it that provides subsidies for unemployed workers to cover part of the Cobra plan. How long would it take for this ... Patty Arreguin Tue, 17 Feb 2009 15:35:08 EST http://cobrainsurance.com/help/questions/1297/ Q: Hi I need to find out how much cobra insurance would cost me. I currently have no insurance my job recently stoped insurance and I need to purchase it.A: Cobra is a federal law that allows yo ... Patty Arreguin Tue, 17 Feb 2009 15:56:20 EST http://cobrainsurance.com/help/questions/1298/ Q: I have had health insurance under my now x-wife's insurance plan for several years. We recently divorced, but just before it was finalized my wife quietly cancelled my policy. Of course I did ... Patty Arreguin Wed, 18 Feb 2009 10:06:42 EST http://cobrainsurance.com/help/questions/1299/ Q: My wife and I were covered under Cobra/HealthNet since she left her last employer - The Christmas Mart. We recently receive a letter from HealthNet notifying us we were no longer covered. The ... Patty Arreguin Wed, 18 Feb 2009 10:30:00 EST http://cobrainsurance.com/help/questions/1300/ Q: Hi, Is it true that the Stimulus packages extends to subsidizing COBRA fees?A: We are Cobrainsurance.com, we offer more affordable Cobra alternative plans. We are not affiliated to the Feder ... Patty Arreguin Wed, 18 Feb 2009 10:32:07 EST http://cobrainsurance.com/help/questions/1309/ Q: My position was eliminated by my former emloyer, a Florida bank. The bank has 15 employees. I want to take advantage of the COBRA reduced premiums offerred by the Stimulus plan. Does the state ... Patty Arreguin Fri, 20 Feb 2009 09:54:22 EST http://cobrainsurance.com/help/questions/1310/ Q: I recently left my job and now I am being offered COBRA. My question is can elect to cover myself for medical and elect to cover myself and dependents for dental coverage? My dependents do not ... Patty Arreguin Fri, 20 Feb 2009 11:34:44 EST http://cobrainsurance.com/help/questions/1311/ Q: How can I find out the cost of COBRA Insurance without contacting HR? I fear termination if they find out a change is being considered. Your assistance is greatly appreciated.A: The cost is 1 ... Patty Arreguin Fri, 20 Feb 2009 11:37:09 EST http://cobrainsurance.com/help/questions/1316/ Q: I have Cobra and I am wondering how to receive the 65% paid for. I know that I am eligible but my wuestion is how do I make my payments? Do I just pay the 35% and then the 65% automatically ge ... Patty Arreguin Wed, 25 Feb 2009 10:23:11 EST http://cobrainsurance.com/help/questions/1317/ Q: If COBRA is a continuation of my current health care, through work, does the deductible start over, or is that continued also? And how much is it, how much is the co-pay? Or is all of that the ... Patty Arreguin Wed, 25 Feb 2009 10:25:44 EST http://cobrainsurance.com/help/questions/1318/ Q: I am currently am in the NY Air National Guard. I am on active duty and on Tri Care. As of roughly the end of March, I will no longer be on Tri care, and it will be roughly a week before I get ... Patty Arreguin Wed, 25 Feb 2009 10:32:21 EST http://cobrainsurance.com/help/questions/1319/ Q: How do i obtain a new copy of my 2009 cobra election form? asap!!!! A: You will need to request a COBRA packet from your previous employer. Patty Arreguin Wed, 25 Feb 2009 10:35:36 EST http://cobrainsurance.com/help/questions/1320/ Q: If the company I worked for had less than 20 employee do I not get the new subsidy of the 65% discount? I live in CA.A: COBRA is the name of a federal law. COBRA contains provisions giving ce ... Patty Arreguin Wed, 25 Feb 2009 11:00:48 EST http://cobrainsurance.com/help/questions/1330/ Q: My last day of work was 01/30/09 and I now want to sign up for the cobra. But HR is saying I have to pay he full $900.00 for February and thn for March they will pay the 65%. Why can't my cove ... Patty Arreguin Mon, 13 Apr 2009 16:03:10 EDT http://cobrainsurance.com/help/questions/1333/ Q: Will the 65% coverage from the new stimulus package towards cobra still be covered when I find a job with no benefits?A: You can continue on Cobra up to 18 months which is provided from you ... Patty Arreguin Mon, 13 Apr 2009 16:07:08 EDT http://cobrainsurance.com/help/questions/1347/ Q: Your site explains the new Stimulus offer but does not explain how to file for the new plan. I was laid off as of yesterday and qualify to receive help on my COBRA payments for nine months. ... Patty Arreguin Mon, 13 Apr 2009 16:53:48 EDT http://cobrainsurance.com/help/questions/1353/ Q: I called my union and they have heard nothing from the government about the stimulus for cobra. HELP!! A: The American Recovery and Reinvestment Act of 2009 (also known as the federal ... Patty Arreguin Mon, 13 Apr 2009 16:06:00 EDT http://cobrainsurance.com/help/questions/1354/ Q: I have Rheumatoid Arthritis and I believe this falls under the category of "pre-existing" condition. I understand that I must choose to elect the continuation COBRA coverage but what about m ... Patty Arreguin Wed, 01 Apr 2009 15:11:00 EST http://cobrainsurance.com/help/questions/1355/ Q: I am on COBRA with a pre-existing condition. Is there a program that will help decrease the premium and cover the pre-existing health condition?A: Due to the pre-existing condition your best ... Patty Arreguin Wed, 01 Apr 2009 15:23:50 EST http://cobrainsurance.com/help/questions/1356/ Q: Do I qualify for the stimulus package ?A: 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 L ... Patty Arreguin Wed, 01 Apr 2009 15:26:23 EST http://cobrainsurance.com/help/questions/1357/ Q: I am being layed off 3 day before my 2nd child is scheduled to be delivered. My call back day is 3 weeks from March 30th of 2009. Do I need to enroll for COBRA or will my insurance thru my emp ... Patty Arreguin Wed, 01 Apr 2009 15:29:10 EST http://cobrainsurance.com/help/questions/1358/ Q: I was just laid off from a small business that did not offer me health insurance; I bought my own health insurance. Is there a COBRA plan for someone in my situation and, since I am now out ... Patty Arreguin Wed, 01 Apr 2009 15:33:30 EST http://cobrainsurance.com/help/questions/1359/ Q: Do employers now have to pay 60%? A: If you are looking for information on the stimulus package and if you are eligible for this, you should contact the Federal Department of Labor, they re ... Patty Arreguin Wed, 01 Apr 2009 15:37:10 EST http://cobrainsurance.com/help/questions/1360/ Q: I was laid off at the end of January & I have a pre-existing condition & am interested in what kind of coverage I would be eligible for. A: If you had insurance thru your previous emplo ... Patty Arreguin Wed, 01 Apr 2009 15:41:01 EST http://cobrainsurance.com/help/questions/1361/ Q: DO HAVE AN ESTIMATE OF THE NUMBER OF EX EMPLOYEES ON COBRA NOW? THANKS FOR YOUR HELP AS THIS INFORMATION WILL BE VERY USEFUL. A: I am unaware as to how many people that would be. If yo ... Patty Arreguin Wed, 01 Apr 2009 15:44:04 EST http://cobrainsurance.com/help/questions/1362/ Q: I notice that Cobra is not on the States list for my recommended plans. Do doctors take COBRA in NY and if so, why are they not listed? A: To see if you are eligible for COBRA and if that ... Patty Arreguin Wed, 01 Apr 2009 15:56:07 EST http://cobrainsurance.com/help/questions/1363/ Q: I was laid off on 10/30/08 and declined Cobra due to cost of the program. I have since heard, that the cost had been cut by 60% and if I had been laid off after September 2008, I was able no ... Patty Arreguin Wed, 01 Apr 2009 16:09:04 EST http://cobrainsurance.com/help/questions/1364/ Q: My husband lost his job on Jan 13, 2009. I had some routine blood work and an echo done in Feb. I went to pick up my cholesterol prescription and found out our insurance was cancelled on Jan ... Patty Arreguin Wed, 01 Apr 2009 16:15:50 EST http://cobrainsurance.com/help/questions/1365/ Q: I was laid off/terminated and my former employer has instructed me to sign a Request for continuation of medical and dental insurance. They will notify Blue Cross after that I am supposed t ... Patty Arreguin Wed, 01 Apr 2009 16:19:22 EST http://cobrainsurance.com/help/questions/1366/ Q: My Cobra insurance was terminated on 2/16/09 by my previous employer; do I qualify to have an extension of 9 months under the stimulus package? A: To see if you are eligible for an exte ... Patty Arreguin Wed, 01 Apr 2009 16:21:58 EST http://cobrainsurance.com/help/questions/1367/ Q: I was laid off on 2/26/09 where I had been employed for 21 years. I recently elected to take COBRA insurance and have made payments for March. The letter I received said that cobra was avail ... Patty Arreguin Wed, 01 Apr 2009 16:29:54 EST http://cobrainsurance.com/help/questions/1368/ Q: I wanted to know if I was eligible for cobra. A: COBRA is the name of a federal law. COBRA contains provisions giving certain former employees, retirees, spouses and dependent children ... Patty Arreguin Wed, 01 Apr 2009 16:32:22 EST http://cobrainsurance.com/help/questions/1369/ Q: I would like to know what dental offices accept COBRA insurance in my area. I have been trying to find out on my own by either calling or looking it up online. If someone could please help ... Patty Arreguin Wed, 01 Apr 2009 16:41:10 EST http://cobrainsurance.com/help/questions/1370/ Q: I heard there is a new law. Dependents are completely covered with COBRA and no out of pocket expense should be incurred by me. Is this true? Thank you very much. A: The American Recove ... Patty Arreguin Mon, 13 Apr 2009 16:11:54 EDT http://cobrainsurance.com/help/questions/1371/ Q: I was laid off/ terminated through no fault of my own in Oct. Since that time, I have had a difficult time paying my living expenses and my cobra payments; esp. with my co-payments and Janua ... Patty Arreguin Wed, 01 Apr 2009 16:46:55 EST http://cobrainsurance.com/help/questions/1372/ Q: My husband has COBRA because he became disabled and is no longer able to work, he has not been approved for disability yet, and I just came across some information about Cobra stating that t ... Patty Arreguin Wed, 01 Apr 2009 16:48:39 EST http://cobrainsurance.com/help/questions/1373/ Q: I WAS JUST LAID-OFF 03/27/09, DO I SEND A CHECK TO MY PREVIOUS EMPLOYER SO I HAVE CONTINUOUS HEALTH INSURANCE & NOT BE WITHOUT HEALTH INSURANCE FOR EVEN A DAY. DOES MY EX-EMPLOYER HAVE TO PA ... Patty Arreguin Wed, 01 Apr 2009 16:54:33 EST http://cobrainsurance.com/help/questions/1374/ Q: What are the guidelines in Michigan to qualify for reduced premiums with COBRA under the Stimulus Program? A: The American Recovery and Reinvestment Act of 2009 (also know as the federal s ... Patty Arreguin Mon, 13 Apr 2009 16:58:45 EDT http://cobrainsurance.com/help/questions/1375/ Q: I need a quote for monthly premium cost for Cobra. A: COBRA is a continuation of your insurance of which you've had from a past employer. To find out premiums and any details about your ... Patty Arreguin Thu, 02 Apr 2009 16:12:16 EST http://cobrainsurance.com/help/questions/1376/ Q: I was laid off involuntarily in July 2008. Do I Qualify for a reduced Cobra payment under the new Obama Law? A: We have no connection to the Federal Government. If you are looking for ... Patty Arreguin Thu, 02 Apr 2009 16:13:50 EST http://cobrainsurance.com/help/questions/1377/ Q: My insurance through my work has been taken away starting April 31. I am 6 months pregnant and need to find a plan. Can you help? A: If you are no longer employed at your previous