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Re: Pregnant with COBRA

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Posted by Agent on September 16, 2006 at 10:42:25:

In Reply to: Pregnant with COBRA posted by marlene on September 15, 2006 at 16:55:25:

My mom's name was Marlene. Not very common.

Typically, a new employer plan will accept all
pre existing conditions.

If you decided to pay for COBRA, there would be no break in coverage, it would be seemles and retroactive to the day you left your employement / lost your health coverge (sort of).

They have 45 days to send you the cobra notice (October 16th), by that time, you would have had coverage with your new employer.

I personally would not enroll in COBRA since if something happened medically, I can just elect after the fact and have my health costs reimbursed.

But I am not pregnant! You may not be able to pay cash for your services and wait it out until the COBRA administrator reimburses you.

If I were you, I contact your old administrator and make sure you are entitled to COBRA, possibly even in writing.

If so, then do nothing. if you aren't entitled to COBRA, then there's not much you can do there anyway, since no one will privately insure a pregnant woman. There would lose substnatially on the policy, guaranteed.

Agent

: Hello,

: I resigned from my previous employer on Aug 11. My health care coverage with them ended August 31. I still have not received my COBRA notice and I am in need of the coverage because I am pregnant. My new health care coverage with my new employer begins October 1st. This means that I will be one month without coverage ( if my employer doesn't get me the COBRA information) would this (30) days be considered a break in coverage, and therefore would my pregnancy be deemed a pre existing condition with my new health care provider? I don't want to show a break in coverage, but then again paying a $1000 for one month seems excessive? Your information is greatly appreciated?

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Subject: Re: Re: Pregnant with COBRA

Comments:
: My mom's name was Marlene. Not very common. : Typically, a new employer plan will accept all : pre existing conditions. : If you decided to pay for COBRA, there would be no break in coverage, it would be seemles and retroactive to the day you left your employement / lost your health coverge (sort of). : They have 45 days to send you the cobra notice (October 16th), by that time, you would have had coverage with your new employer. : I personally would not enroll in COBRA since if something happened medically, I can just elect after the fact and have my health costs reimbursed. : But I am not pregnant! You may not be able to pay cash for your services and wait it out until the COBRA administrator reimburses you. : If I were you, I contact your old administrator and make sure you are entitled to COBRA, possibly even in writing. : If so, then do nothing. if you aren't entitled to COBRA, then there's not much you can do there anyway, since no one will privately insure a pregnant woman. There would lose substnatially on the policy, guaranteed. : Agent : : : Hello, : : I resigned from my previous employer on Aug 11. My health care coverage with them ended August 31. I still have not received my COBRA notice and I am in need of the coverage because I am pregnant. My new health care coverage with my new employer begins October 1st. This means that I will be one month without coverage ( if my employer doesn't get me the COBRA information) would this (30) days be considered a break in coverage, and therefore would my pregnancy be deemed a pre existing condition with my new health care provider? I don't want to show a break in coverage, but then again paying a $1000 for one month seems excessive? Your information is greatly appreciated?

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