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COBRA dental and Medcare enrollment

Dental coverage and COBRA

COBRA dental and Medcare enrollment

Postby karjak » Sat Jan 28, 2012 8:04 pm

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.
karjak
 

Re: COBRA dental and Medcare enrollment

Postby Janice » Fri Feb 03, 2012 10:17 am

Guess you are feeling karjaked on this one! They canceled your COBRA dental because you qualified for medicare? I would take a look at the plan rules. Did you ever request a SPD or summary plan description? it would be interesting to see what they say in relation to dental. If it was not a bundled benefit, I can't imagine why they would not just give you the benefit the full 18 months.
Janice
 


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