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COBRA advice

Forums General Melanoma Community COBRA advice

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      Erinmay22
      Participant

        OK – so I realized that I typed things but nothing actually posted?

        I have been toying wtih the idea for a year + now of taking a job change.  While doing this, I'll have to go on COBRA.  Has anyone had any issues with starting up COBRA and their doctors taking it?  I had to use it in the past….  and did talk with my doctors office about it.  For them, sounds like no real change.  Only down side I know is the cost, but I'm more than willing to pay that for the coverage.

        With Obamacare and such here now, has anyone found that a better option?  What I've been reading so far shows that it's best (if you have a pre-exisiting condition) to go ahead and stay wtih COBRA since you know exactly what coverage you're getting…

        Just wanted to hear thoughts from others?  Again, sorry for the blank post!  

        Erinmay22
        Participant

          OK – so I realized that I typed things but nothing actually posted?

          I have been toying wtih the idea for a year + now of taking a job change.  While doing this, I'll have to go on COBRA.  Has anyone had any issues with starting up COBRA and their doctors taking it?  I had to use it in the past….  and did talk with my doctors office about it.  For them, sounds like no real change.  Only down side I know is the cost, but I'm more than willing to pay that for the coverage.

          With Obamacare and such here now, has anyone found that a better option?  What I've been reading so far shows that it's best (if you have a pre-exisiting condition) to go ahead and stay wtih COBRA since you know exactly what coverage you're getting…

          Just wanted to hear thoughts from others?  Again, sorry for the blank post!  

            jmmm
            Participant

              My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

              jmmm
              Participant

                My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

                jmmm
                Participant

                  My husband was on cobra for almost 2 years.  For him, it was the exact same insurance.  Same company, same coverage.  The only difference is you pay the entire premium instead of your company paying for part of it.  It sounds like a big deal, like you're changing insurance, but you're not.  I would imagine keeping what you already have is less expensive than trying to find something new with a pre-existing condition, but you still might double check.

                  casagrayson
                  Participant

                    My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

                    Good luck!

                     

                    casagrayson
                    Participant

                      My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

                      Good luck!

                       

                      casagrayson
                      Participant

                        My DIL just went through this.   She was changing jobs, and her insurance didn't kick in for 60 days. COBRA was ridiculously expensive, and so was being put on my son's insurance for that period of time.  They bought a catastrophic coverage short-term policy which cost them very little.  It does not comply with the ACA, but no penalties apply as long as you become covered with a better policy (the group policy from the new job) within 90 days.   Pre-existing conditions won't keep you from being denied private insurance, although it might change the price.  One other thing you might check — some companies keep you on their insurance rolls through the end of your resignation month.  If that is the case, you might need coverage for less time than you think.

                        Good luck!

                         

                      Erinmay22
                      Participant

                        OK – so I realized that I typed things but nothing actually posted?

                        I have been toying wtih the idea for a year + now of taking a job change.  While doing this, I'll have to go on COBRA.  Has anyone had any issues with starting up COBRA and their doctors taking it?  I had to use it in the past….  and did talk with my doctors office about it.  For them, sounds like no real change.  Only down side I know is the cost, but I'm more than willing to pay that for the coverage.

                        With Obamacare and such here now, has anyone found that a better option?  What I've been reading so far shows that it's best (if you have a pre-exisiting condition) to go ahead and stay wtih COBRA since you know exactly what coverage you're getting…

                        Just wanted to hear thoughts from others?  Again, sorry for the blank post!  

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