Open main menu ☰
HealingWell
Search Close Search
Health Conditions
Allergies Alzheimer's Disease Anxiety & Panic Disorders Arthritis Breast Cancer Chronic Illness Crohn's Disease Depression Diabetes
Fibromyalgia GERD & Acid Reflux Irritable Bowel Syndrome Lupus Lyme Disease Migraine Headache Multiple Sclerosis Prostate Cancer Ulcerative Colitis

View Conditions A to Z »
Support Forums
Anxiety & Panic Disorders Bipolar Disorder Breast Cancer Chronic Pain Crohn's Disease Depression Diabetes Fibromyalgia GERD & Acid Reflux
Hepatitis Irritable Bowel Syndrome Lupus Lyme Disease Multiple Sclerosis Ostomies Prostate Cancer Rheumatoid Arthritis Ulcerative Colitis

View Forums A to Z »
Log In
Join Us
Close main menu ×
  • Home
  • Health Conditions
    • All Conditions
    • Allergies
    • Alzheimer's Disease
    • Anxiety & Panic Disorders
    • Arthritis
    • Breast Cancer
    • Chronic Illness
    • Crohn's Disease
    • Depression
    • Diabetes
    • Fibromyalgia
    • GERD & Acid Reflux
    • Irritable Bowel Syndrome
    • Lupus
    • Lyme Disease
    • Migraine Headache
    • Multiple Sclerosis
    • Prostate Cancer
    • Ulcerative Colitis
  • Support Forums
    • All Forums
    • Anxiety & Panic Disorders
    • Bipolar Disorder
    • Breast Cancer
    • Chronic Pain
    • Crohn's Disease
    • Depression
    • Diabetes
    • Fibromyalgia
    • GERD & Acid Reflux
    • Hepatitis
    • Irritable Bowel Syndrome
    • Lupus
    • Lyme Disease
    • Multiple Sclerosis
    • Ostomies
    • Prostate Cancer
    • Rheumatoid Arthritis
    • Ulcerative Colitis
  • Log In
  • Join Us
Join Us
☰
Forum Home| Forum Rules| Moderators| Active Topics| Help| Log In

COBRA

Support Forums
>
Ulcerative Colitis
✚ New Topic ✚ Reply
❬ ❬ Previous Thread |Next Thread ❭ ❭
profile picture
jellybean1887
Veteran Member
Joined : May 2005
Posts : 1362
Posted 10/25/2007 1:53 PM (GMT -6)
I needed to know how to apply for COBRA insurance. In a year, I won't be covered under my dad's insurance, and I will still be in college. I can't get covered by a medically underwritten plan. I was told that if I had a COBRA plan for 12 months, no one could deny me insurance due to a preexisting medical condition, aka Crohns. I wanted to be able to work it out so that I will have a good health insurance plan once I am not covered under my dad. Any advice appreciated!
profile picture
UCinGV
Veteran Member
Joined : Mar 2007
Posts : 527
Posted 10/25/2007 2:35 PM (GMT -6)
I really should start a blog on battling insurance companies, I've done it enough :-) I've gone through the exact same situation, turning 21 and losing my parents' insurance while having UC. (Or maybe it was 22, I can't remember. . depends on your state)

You call up your dad's insurance company, and on the phone menu there should be a button to mash for COBRA service. You explain to them that you're going to lose coverage at your next birthday, and they will send you paperwork. You fill out the paperwork, and you will have to pay whatever your dad was paying for your coverage, plus a certain percentage over that. You keep all the same doctors, copays, coverage, etc.

Now, that gives you coverage for a limited time, I forget exactly how long. I think it is 3 years for "Loss of Dependent Child Status."

The thing is, it won't last forever, and it won't help you get individual coverage on your own. What it WILL do is this: When you get group coverage either by your employer, or spouse' employer, or whoever, your UC doctors' visits and medications will be covered right from the beginning. If you do not have COBRA extension, if you have any gaps in your coverage, when you do end up getting group coverage somewhere, they won't cover your UC for the first year, because it's a "pre-existing condition." If you have maintained coverage at all times, they MUST pay for it right away, by law.


Disclaimer: Your state may have more benefits, I'm just talking about the federal COBRA law.

Here's the Department of Labor's PDF file on COBRA: http://www.dol.gov/ebsa/pdf/cobraemployee.pdf
profile picture
UC Dude
Regular Member
Joined : Aug 2005
Posts : 438
Posted 10/25/2007 6:04 PM (GMT -6)
You should have been offered COBRA when you left your dads policy. I think you have/had 63 days to elect it. If you missed out you could be in a world of hurt. Best plan is to get a job with health ins.
✚ New Topic ✚ Reply


More On Ulcerative Colitis

5 Beneficial Foods You Need In Your Ulcerative Colitis Diet

5 Beneficial Foods You Need In Your Ulcerative Colitis Diet

Taking Action Against Fatigue From Ulcerative Colitis And Crohn's

Taking Action Against Fatigue From Ulcerative Colitis And Crohn's


HealingWell

About Us  |   Advertise  |   Subscribe  |   Privacy & Disclaimer
Connect With Us
Facebook Twitter Instagram Pinterest LinkedIn
© 1997-2022 HealingWell.com LLC All Rights Reserved. Our website is for informational purposes only. HealingWell.com LLC does not provide medical advice, diagnosis, or treatment.