COBRA insurance questions I have gotten though Email

	COBRA insurance questions I have gotten though Email Hello. I am curious.....if I ended my employment in late December, and, although I requested the information be sent to me repeatedly, but did not receive it until mid-January, am I expected to pay for Cobra coverage for all of December? I sent a check for 2 months coverage, in January, expecting it to cover Jan and Feb. Now, I am in desperate need of my medication, which I can't get under coverage because I've been told on the phone now that I didn't pay for February! This is after I've been told twice that the paperwork just wasn't sent to the pharmacy because of it being the end of the month. I have been put off 3 times, and still cannot get my medication! Help! Any info you have would be greatly appreciated. Please reply as soon as possible. Thank you. Katrina W Katrina: Well, if you were terminated in late December, did you pay any portion for your regular health insurance up to your termination? And if so, did they apply your payment to the COBRA premium? This will give us more of an idea what their position was. The company can use two dates, the day you were terminated, or the day your group coverage was terminated. Since you were terminated at the end of December, they should not have requested a full months premium for December. You still probably had group coverage for most of the month. How could they charge someone for a COBRA premium that didn't even qualify yet, since you were still a full time employee? Now the reality is that a late COBRA payment is a termination. Even though it's not really late, since they hold can terminate your benefits, you may want to pay it and ask the company (nicely) to reinstate your continuation Am I insane? No, because companies disregard the law all day long, and don't change their spots when it comes to your health insurance. If you want to sue the company for their ineptness at administering your plan, you should be prepared to lose, which happens sometimes. Unless this drug is EXTREMELY expensive, it probably will be a loser just hiring an attorney. Hope this helps, Hello. I am curious.....if I ended my employment in late December, and, although I requested the information be sent to me repeatedly, but did not receive it until mid-January, am I expected to pay for Cobra coverage for all of December? I sent a check for 2 months coverage, in January, expecting it to cover Jan and Feb. Now, I am in desperate need of my medication, which I can't get under coverage because I've been told on the phone now that I didn't pay for February! This is after I've been told twice that the paperwork just wasn't sent to the pharmacy because of it being the end of the month. I have been put off 3 times, and still cannot get my medication! Help! Any info you have would be greatly appreciated. Please reply as soon as possible. Thank you. Katrina W Katrina: Well, if you were terminated in late December, did you pay any portion for your regular health insurance up to your termination? And if so, did they apply your payment to the COBRA premium? This will give us more of an idea what their position was. The company can use two dates, the day you were terminated, or the day your group coverage was terminated. Since you were terminated at the end of December, they should not have requested a full months premium for December. You still probably had group coverage for most of the month. How could they charge someone for a COBRA premium that didn't even qualify yet, since you were still a full time employee? Now the reality is that a late COBRA payment is a termination. Even though it's not really late, since they hold can terminate your benefits, you may want to pay it and ask the company (nicely) to reinstate your continuation Am I insane? No, because companies disregard the law all day long, and don't change their spots when it comes to your health insurance. If you want to sue the company for their ineptness at administering your plan, you should be prepared to lose, which happens sometimes. Unless this drug is EXTREMELY expensive, it probably will be a loser just hiring an attorney. Hope this helps,

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