I hate Cobra!!

I cancelled my coverage last week because DH got a new job, so I went under his policy. So I go to check my email today and I have a message how they took the monthly payment from my debit acct. I called Cobra and they said that it must not have been processed in time and that I will receive a refund- but it takes up to 21 days. So much for saving $430. I have hardly any money to get me through the whole month now. I don't go back to work until September.