Insurance

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hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
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hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
H

hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
H

hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
H

hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
H

hbollotte

New member
never drop your insurance. if you are in between jobs or school make sure you have coverage. when i graduated college i went from my moms insurance to my employers. well i switched jobs and my new employer picked me right up. there was no waiting period. well when i went back to my old job i had to wait 90 days before insurance would pick me up. in the mean time i paid for COBRA because since i had a pre-existing condition i would have had to wait a year before they would pick me up if i didn't have coverage for those 90 days.
I agree with nicole, they can deny you for a certain period of time and if you choose not to have insurance for that year what the hell do you do when you get sick. i paid close to $400 a month for COBRA.
 
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thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
T

thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
T

thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
T

thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
T

thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
T

thefrogprincess

New member
With any insurance I've ever had there is a 3 month waiting period from the time coverage starts until pre-existing conditions are covered. However, I live in Washington and if you do not have a lapse of insurance coverage from one provider to the next (eg when you change jobs) then the 3 month rule is void and the new insurance HAS to cover pre-existing conditions from day one.

Oh yeah, COBRA is required to be offered to you by law when you leave a job where you have had health insurance. It doesn't matter if you leave voluntarily or you are terminated. Basically you have the option to continue your health insurance through that company for up to one year. The catch is that you have to pay 100% of the premium yourself! The one time I had to use COBRA my payments were almost $400 a month! But I had to do it so that the pre-exhisting condition law for Washington that I mentioned above could apply to me and my new insurance would have to cover me. But during theose 4 months on COBRA I used the h*ll out of my insurance to be sure I got my money's worth!
 
C

CFersCousin

New member
<a target=_blank class=ftalternatingbarlinklarge href="http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html">FAQs about COBRA from the U.S. Department of Labor</a>
 
C

CFersCousin

New member
<a target=_blank class=ftalternatingbarlinklarge href="http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html">FAQs about COBRA from the U.S. Department of Labor</a>
 
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