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Re: Insurance Continuation after Cobra/Pre-Existing Conditions

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Posted by Fred on January 04, 2010 at 18:05:20:

In Reply to: Insurance Continuation after Cobra/Pre-Existing Conditions posted by Robert Kendrick on January 02, 2010 at 09:14:48:

Robert

Technically they don't have to convert the policy, once COBRA is over they've met their obligation, but some companies automatically offer to convert. My wife was with Kaiser on COBRA and they automatically switched her over to a regular plan. Of course, and she had several minor health issues.

If she's individually underwritten, it will come down to how costly her health condition is to the insurance company. if she's on expensive drugs, she could be on their automatic denial list.

Which health insurance company is she with?

Fred

: My wife is elegible to enroll in Cobra since I was terminated/Job Elimination due to work being moved out of USA. I am on Medicare so this question is about her continued coverage after Cobra Coverage. If she decides to go with the same company after going off Cobra, how does Pe-Existing Condition play into this scenario? Does the Insurance Company have to accept her when she applies for a Single Policy regardless if she does in fact have a Pre-Existing Condition? The same insurance company covers her under Cobra as was covering her when I was employed. Thanks for your assistance.

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Subject: Re: Re: Insurance Continuation after Cobra/Pre-Existing Conditions

Comments:
: Robert : Technically they don't have to convert the policy, once COBRA is over they've met their obligation, but some companies automatically offer to convert. My wife was with Kaiser on COBRA and they automatically switched her over to a regular plan. Of course, and she had several minor health issues. : If she's individually underwritten, it will come down to how costly her health condition is to the insurance company. if she's on expensive drugs, she could be on their automatic denial list. : Which health insurance company is she with? : Fred : : My wife is elegible to enroll in Cobra since I was terminated/Job Elimination due to work being moved out of USA. I am on Medicare so this question is about her continued coverage after Cobra Coverage. If she decides to go with the same company after going off Cobra, how does Pe-Existing Condition play into this scenario? Does the Insurance Company have to accept her when she applies for a Single Policy regardless if she does in fact have a Pre-Existing Condition? The same insurance company covers her under Cobra as was covering her when I was employed. Thanks for your assistance.

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