Anyone understands COBRA?

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couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 5/8/2012 3:04 PM (GMT -6)   
Due to job cuts I'm out the door, but I need my insurance as you all well know...
I heard about COBRA...
Have any of you gone through it with UHC?
Is it very expensive?
Joy

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7723
   Posted 5/8/2012 6:43 PM (GMT -6)   
COBRA is legislation that requires your current employer to maintain your current insurance for up to 18 months. Most employers/insurances require you pay the premiums, the price of which can vary all over the place. You will need to talk with your human resources personnel for the particular details for your situation.

Best wishes,
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

oreo11
Regular Member


Date Joined Feb 2011
Total Posts : 399
   Posted 5/8/2012 8:04 PM (GMT -6)   
Hi Joy,
 
       In my district, you can get the COBRA for up to 18 months.  It costs the individuall $800.00/month.  If you have a spouse, it will cost the two of you $1600/month.  Definitely not inexpensive.  I would check with your district and see how theirs works.  I would love to know what you find out.
 
Laura

aimsgirl16
Veteran Member


Date Joined Jun 2008
Total Posts : 1470
   Posted 5/8/2012 8:06 PM (GMT -6)   
Yes, I have cobra. Also, a little fact most people don't know. If you are approved by SSDI, you can also apply for a 11 month extension, which I have done and gotten approved. My company offered it to me 3 weeks after I was let go and it started immedatatly. The only main problem is how expensive it can be. But otherwise everything is exactly the same coverage. Actually, my company switched to a new insurance company this year that is better and I got to move with them too :D
Amy
Lupus Moderater


dialysis from lupus nephritis

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 5/8/2012 9:01 PM (GMT -6)   
I hope and pray it's not $800!:-O
Right now it's $126 for me. :-P
If I can get my doctor to support me on disability I'm set. Fingers crossed!
I'm calling him tomorrow.
Joy

aimsgirl16
Veteran Member


Date Joined Jun 2008
Total Posts : 1470
   Posted 5/8/2012 9:29 PM (GMT -6)   
That is how much it was for me when my company payed the majoriety. Now it is 565 a month. Best of luck dear. Do what is best for you health
Amy
Lupus Moderater


dialysis from lupus nephritis

Bsime
Veteran Member


Date Joined Apr 2006
Total Posts : 1344
   Posted 5/9/2012 1:37 PM (GMT -6)   
COBRA laws do not set the price.  Usually, an employer will charge you whatever their cost for insurance is so that will vary greatly.  If you were paying 50% of the cost then it will be twice as much.  If your employer was paying more of the cost for insurance then Cobra would be less. 
 
 
Years ago I was working for a company that went under and was self insured.  The day the company filed there was no insurance and they were totally bankrupt...no cobra or otherwise so the law does not guarantee coverage in all situations.  Many states have insurance pools for uninsurable people like us but that is also very, very expensive in most cases and usually has big deductibles.
 
Just another example of why we need universal health care that is not tied to an employer and is affordable and cannot exclude someone who is sick.  There are so many still unemployed or employed as consultants with good pay but no benefits. 
 
The irony of health insurance is that insurers only want to insure healthy people and will not insure sick people except under certain circumstances.  If the Affordable Healthcare Law is knocked down by the Supreme Court the protections that went into place this year could disappear.
 
Bill
MCTD (lupus, scleroderma, polymyositis).  Diagnosed 2005.  Kidney, liver, GI tract, dysphagia, raynauds, Barretts esophagus, quadriplegic in 2005.  Recovered and now active in skiing, tai, chi, hiking, golf.  Meds: prednisone 2.5mg, imuran 25mg, amlodipine, benazapril, omeprazole, potassium, folic acid, vitamins, maxide and various supplements and vitamins.
 
Remain optimistic and you can overcome the odds.
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