I carried only seperate dental insurance with the employer I left September 2010 as I had my own general Health Ins. Continued Dental and signed with COBRA expecting 18 months coverage to carry me through March 23, 2012. November 4 received letter from former employer that I was being cancelled as of Nov.1 st because I had become Eligible for Mecicare. At that time in the middle of Dental procedures with gaps in mouth from teeth pulled and awaiting work to begin with crown and partial plate. Would not have went this procedure if known was to be cancelled.
I never received a Summary Plan Description on my Dental and No stipulation as such about eligibility on my signed COBRA letter. Was a stipulation that I thought related to only those with general health as I new Medicare offers no provisions or coverage for Dental. My pan to my knowledge would carry though 18 months.
but would terminate if-à
• the person becomes covered by Medicare under Title XVIII of the Social Security Act and does not have end stage renal disease and is not a disabled active individual;
I trying to get some final clarification on this and would in fact like to be enrolled in Medicare(I presently am not) but the open enrollment time frame for Medicare would end before the 18 months of COBRA Dental.