possibly just lost insurance coverage

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dinkydee
Regular Member


Date Joined May 2009
Total Posts : 201
   Posted 3/26/2010 4:23 PM (GMT -7)   
I was laid off from my job in September. My husband was laid off in Feb.  They gave him a severance package which included medical for 12 weeks.  They have been taking out the premiums from his severance checks.  I have always been on his medical plan.  I recently had an GI appt. w/ labwork.  2 days ago I got 2 bills stating "self pay".  When I called they said my policy was cancelled.  Several phone calls later, it appears they did cancel the policy.  We looked at his paperwork and it doesn't state about the medical benefits....however, it is what they told him and they have been taking out the premiums.  We also have not rec'd any COBRA paperwork.  We are awaiting another phone call, but of course won't hear until next week, or at least Monday.  I am concerned that by the time we get this straightened out, I will miss the opportunity for COBRA.  And then I will be uninsurable b/c of the Crohns. I've never been without insurance...............I'm really stressed!  Also I'm guessing COBRA will be expensive....YIKES!
Diagnosed with CD 2006.  Refused to take meds until recently started Colazal. 
 Currently on Prednisone 40mg. Tapering down, now on 20mg.
Colazal 3xday, Antioxidant strips
 Off of the Prednisone!!
I live by faith and not by sight....


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 3/27/2010 7:04 AM (GMT -7)   
Have your husband contact the HR department about this and getting them to send out the Cobra paperwork. I think there is a time frame before you can no longer get Cobra, don't remember what the time frame is, but I don't even think your close yet. Hopefully, one of the HR Crohnies will be along soon and be able to advice you further. Good luck!
Gail*Nanners* Co-Moderator for Crohns Disease & Anxiety/Panic
Crohn's Disease for over 34 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium, Vit D, and Xanax prn. Resections in 2002 & 2005. Also diagnosed w/ Fibromyalgia, Osteoarthritis, & Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

Zanne
Veteran Member


Date Joined Apr 2005
Total Posts : 3763
   Posted 3/27/2010 8:28 AM (GMT -7)   
I think the time frame is 60 - 90 days, but as Nanners said some of the HR crohnies should be along to help soon.
Suzanne

CD 20 years officially, 30 unofficially. 3 resections '93, '95 '97
Managing with strict low residue diet, keeping symptoms to a minimum. All test show small amount of ulceration, still have occasional blockages. But still have a great time with my 2 daughters and husband!


Prednisone, 6MP,Prevacid, B12 shots, Bentyl, Xifaxan.....


dinkydee
Regular Member


Date Joined May 2009
Total Posts : 201
   Posted 3/27/2010 10:20 AM (GMT -7)   
I was thinking 30 to 60. Which would put me at days away. but never rec'd paperwork and thought they were still covering us as they were taking out the premiums from his checks. Hopefully will find out something monday...
Diagnosed with CD 2006.  Refused to take meds until recently started Colazal. 
 Currently on Prednisone 40mg. Tapering down, now on 20mg.
Colazal 3xday, Antioxidant strips
 Off of the Prednisone!!
I live by faith and not by sight....


onedaymore
Regular Member


Date Joined Apr 2009
Total Posts : 111
   Posted 3/27/2010 12:08 PM (GMT -7)   
If you didn't receive the COBRA paperwork within 30 days, you need to report the company. They are required by law to give you COBRA information within 30 days of a qualifying event (in this case, being laid off), either in person or first class mail. For every day of noncompliance, they are taxed a penalty of $100. For more than one beneficiary (in this case, there would be), it's up to $200 per day per family. They can be as high as $2500 for EACH beneficiary.

Here is some more information about COBRA: http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.HTML

Make sure you are eligible for COBRA, then call a lawyer. If you can't afford one, Jennifer Jaff is a lawyer who advocates for patients with chronic illnesses for free: http://www.advocacyforpatients.org She went to bat for me when my insurance company tried to kick me off COBRA two years early without any explanation.

Talk to the company's HR or benefits go-to person. It could be an innocent mistake, but it is still a violation of the law.

I hope you get things straightened out.
Diagnosed with Crohn's in 2008 at the age of 22.
Currently on: Remicade, Imuran, Pentasa, Zofran, Tramadol, Welchol, Phenergan, Ambien, Metoclopramide, Omeprazole, Hyoscyamine

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