A couple more questions about COBRA

New Topic Post Reply Printable Version
[ << Previous Thread | Next Thread >> ]

timmysang
Regular Member


Date Joined Sep 2007
Total Posts : 75
   Posted 5/10/2008 3:13 PM (GMT -7)   
I am thinking of leaving my job as part of a reorganization. I am not sure if I will get subsidized health insurance for six months but I will have the COBRA coverage available for 18 months. I know that it will be expensive but I feel that the job adds to the stress and anxiety from the Crohn's and it might be a good time for me to leave.

When I find a new job, God willing, will I still be able to continue on with the COBRA coverage until I know that I won't be hit with the preexisting condition clause from the new company's health insurance? Basically have two insurance plans in place.

Is it also true that just as long as I have no lapse in coverage I should not be hit with the preexisting condition clauses with the future employer?


Thanks,

Crohn'snme
Veteran Member


Date Joined Feb 2007
Total Posts : 734
   Posted 5/10/2008 8:23 PM (GMT -7)   
I'm no expert. We are inbetween jobs. My husbands insurance starts 6-1 and we have cobra to call upon if we need it starting 5-1. I think the state you live in may have something to do with it and the companies policy. Get as much information as possible.........

FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 5/10/2008 8:33 PM (GMT -7)   
you have 60-90 days depending on your state to elect cobra. If you choose it, it is retroactive meaning you will have to pay from the date you left your job. But you will be covered that whole time. If you elect cobra you insurance will be portable (HIPPA) and as long as you go on a group insurance plan at your next employer there will not be a pre-existing condition clause. If there was you legally could have 2 plans but they would most likely battle over which was your primary plan and create hassels over who is going to pay.
26 Year old married female law student.  Diagnosed w/ CD 3 years ago, IBS for over 10 years before that, which was probably the CD.  I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid.  For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn.  I also have bad acid reflux and have been on PPI's since age 13.  I have been through prilosec, prevacid, and nexium.  Currently I am on Protonix in the morning and Zantac at night.  I alos take a birth control pill to allow some fun in my life.
 
 


karendee
Veteran Member


Date Joined Mar 2007
Total Posts : 1642
   Posted 5/11/2008 4:31 PM (GMT -7)   

Fitzy said it perfect... as long as you keep the cobra while out of work you won't have a pre-existing condition. basically if you keep insurance coverage you will not get a preexisting clause.

you can drop the cobra the day your new insurance with a new job is effective. i would not carry 2 insurance plans. Fitzy is right they would fight over which is the primary!

I have some cobra docs at work if you want me to email them to you. might clear some stuff up for you. you would be given cobra info when you quit from your company (the law).

Karen


 ...

Karen (Karendee)

Diagnosed w/ Crohn’s Disease  March 2007 On 150mg Azathioprine (generic Imuran), Pentasa, & Entocort (take zofran for nausea now)

Diagnosed w/  Fibromyalgia May 2007 also on Soma

Also have Arthritis, and feel like I am falling apart sometimes...


Crohn'snme
Veteran Member


Date Joined Feb 2007
Total Posts : 734
   Posted 5/11/2008 5:21 PM (GMT -7)   
Yeah, our is 60 days and you pay retro to the day you left.  We can get new insurance within the 60 days without pre-existing clause, however you have to show the certificate of insurance you get when you leave. 

timmysang
Regular Member


Date Joined Sep 2007
Total Posts : 75
   Posted 5/11/2008 5:59 PM (GMT -7)   
This has cleared up most of my confusion about COBRA. Never heard of HIPAA before or needing a the certificate of insurance you get when you leave so that helps very much. Thanks for all of the answers.

Karendee. Yes that would be great if you could email me the cobra information. I will send my address to your MSN account.

Thanks,

FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 5/11/2008 7:17 PM (GMT -7)   
HIPPA is health insurance portability and privacy act (or something close) - it allows you to take your certificate of coverage with you, as well as your coverage if you are able to pay the COBRA costs. It is also why you have to sign so many forms at the doctors office. It tells you their privacy policy and who they can share your medical info with. It basically protects your information from being dislosed freely.
26 Year old married female law student.  Diagnosed w/ CD 3 years ago, IBS for over 10 years before that, which was probably the CD.  I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid.  For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn.  I also have bad acid reflux and have been on PPI's since age 13.  I have been through prilosec, prevacid, and nexium.  Currently I am on Protonix in the morning and Zantac at night.  I alos take a birth control pill to allow some fun in my life.
 
 


karendee
Veteran Member


Date Joined Mar 2007
Total Posts : 1642
   Posted 5/12/2008 5:03 AM (GMT -7)   
timmysang, my msn is also my email. send that to me... I will email you all the info I have today that I send to employees.
Karen

 ...

Karen (Karendee)

Diagnosed w/ Crohn’s Disease  March 2007 On 150mg Azathioprine (generic Imuran), Pentasa, & Entocort (take zofran for nausea now)

Diagnosed w/  Fibromyalgia May 2007 also on Soma

Also have Arthritis, and feel like I am falling apart sometimes...

New Topic Post Reply Printable Version
Forum Information
Currently it is Sunday, December 04, 2016 7:23 AM (GMT -7)
There are a total of 2,732,490 posts in 301,026 threads.
View Active Threads


Who's Online
This forum has 151186 registered members. Please welcome our newest member, debbixij.
294 Guest(s), 12 Registered Member(s) are currently online.  Details
John_TX, imagardener2, Carioke65, mtm3461, Huddie, Buzzlymeyear, poohcheez, franko63, bdavis, trumpet123, (Seashell), JesperTrottier


Follow HealingWell.com on Facebook  Follow HealingWell.com on Twitter  Follow HealingWell.com on Pinterest
Advertisement
Advertisement

©1996-2016 HealingWell.com LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer