Has anyone run out of COBRA insurance?

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Becky77
Veteran Member


Date Joined Dec 2005
Total Posts : 1768
   Posted 8/25/2010 4:20 PM (GMT -7)   
My COBRA runs out at the end of November. Yes, I've been unemployed for 15 months now. Scary...and it's getting scarier. What do I do if I don't find a job and get covered by the end of November?

pimfram
Veteran Member


Date Joined May 2009
Total Posts : 506
   Posted 8/25/2010 4:24 PM (GMT -7)   
I think mine is early 2011 when it runs out. I'm contemplating moving to Canada.
Diagnosed with CD July 2007
Currently on Remicade, acidophilus, multivitamin.
Resection December 2009

Amor fati - Nietzsche

Zanne
Veteran Member


Date Joined Apr 2005
Total Posts : 3763
   Posted 8/25/2010 4:25 PM (GMT -7)   
Does your state have any type of coverage or help? There are several people on the board who either work in HR or are in the insurance business so if you don't get some sort of answer bump up your question so they can be sure to see it.

Becky77
Veteran Member


Date Joined Dec 2005
Total Posts : 1768
   Posted 8/25/2010 4:32 PM (GMT -7)   
I'm freaking out just thinking about it. Really, I'm nauseous now. I just got my COBRA payment info and the stimulus money ran out and it went from 123 to 378 a month (keep in mind I make NO money) and that only lasts another 3 months. I just told a friend of mine I might have to marry for insurance.
Becky

32 yr old female-dx with Crohn's in '97 after emergency resection and appendectomy, 2nd resection '05, Bilateral pulmonary emboli 10/09
Currently on Humira, Omeprazole, Effexor, Seroquel, Calcium, Vit D
Coumadin stopped 3/15/10!!!!

ivy6
Elite Member


Date Joined Sep 2005
Total Posts : 10404
   Posted 8/25/2010 4:36 PM (GMT -7)   

njmom
Veteran Member


Date Joined Apr 2006
Total Posts : 1884
   Posted 8/26/2010 6:05 PM (GMT -7)   
Right now, you should start getting quotes from insurance providers in your state, and then make sure you have new insurance as soon as your COBRA expires. The HIPPA act should be able to protect you if you do this - meaning they won't be able to exclude pre-existing conditions. 
 
But do NOT let your COBRA expire and then try to get insurance - because then the new provider might be able exclude a pre-existing conditiom. 
 
HIPPA info:
 
info about which health care providers are in Georgia:
 
Georgia's pre-existing coverage plan took effect July 1 thanks to passage of the new health care act this year, but does not cover you unless you are uninsured for at least six months:
Some details of the plan:

Becky77
Veteran Member


Date Joined Dec 2005
Total Posts : 1768
   Posted 8/26/2010 6:20 PM (GMT -7)   
Thanks njmom for the links!

I'll start looking into my options and figure something out!

If all else fails, I'm either marrying for insurance or moving to Canada! (not really, but one of those options sure would be cheaper, I'm sure!)
Becky

32 yr old female-dx with Crohn's in '97 after emergency resection and appendectomy, 2nd resection '05, Bilateral pulmonary emboli 10/09
Currently on Humira, Omeprazole, Effexor, Seroquel, Calcium, Vit D
Coumadin stopped 3/15/10!!!!

DebbieCrohns
Regular Member


Date Joined Nov 2005
Total Posts : 174
   Posted 8/26/2010 8:02 PM (GMT -7)   
Hi Becky,
 
I"m sorry for the predicament you're in.  Does your state have insurance for people who can't get individual insurance?  I would check that out and, if your state has it, see what you need to do to qualify.
 
Good luck and please keep us posted!
 
Debbie in Chicago

notsosicklygirl
Forum Moderator


Date Joined Dec 2008
Total Posts : 14165
   Posted 8/26/2010 8:38 PM (GMT -7)   
You don't have to be married. A lot of plans will accept a domestic partner.

http://www.healthcare.gov/

There are also some guilds you can join based on your profession that can get you group coverage.

http://www.usfsb.com/
March 2007: Diagnosed with Mild Proctitis - Canasa as needed.
August 2008 - December 2008: FLARE & Anemic - Started Asacol!!
January 2009 - December 2009: REMISSION!! Asacol (9) + Canasa 2x Daily
December 2009 - January 2010: FLARE!! Asacol + Prednisone + Canasa
February 2010 - April 2010: Colazal + Prednisone + Canasa
May 2010 - June 2010: Lialda + Cort Enema + Prednisone : Colonoscopy: Mild / Moderate Active Pancolitis
CURRENT: DOING OK! Prednisone, 6mp, klonopin, Canasa + Vitamin D

Becky77
Veteran Member


Date Joined Dec 2005
Total Posts : 1768
   Posted 8/26/2010 9:30 PM (GMT -7)   
I cannot thank you all enough!! I've started looking, and things don't look near as bad as I thought. Coventry is who I have now, and would be the easiest since all of my doctors (I have 6...including specialists) are Coventry doctors. The monthly payments are much lower than I expected.

I'm going to sit down and look over all of them and figure out which would work the best, and talk to my financial advisor (Dad) to see what he thinks.

You guys are great. I was so freaking out, and you are all so helpful!!!
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