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insurance issues, DH thinks I am nutty-update

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Janice
Sweet Jessie Quinn

Member since 5/05

27567 total posts

Name:
Janice

insurance issues, DH thinks I am nutty-update

so, a huge issue I had at beginning of pregnancy was the fact that I would be leaving my job.
I went cobra nutty...making sure and confirming almost daily that I would be covered.

so I made my first payment of 355 this month, I am covered till 7/31. next payment is due 8/1. DH will be able to insure us through his job on 8/1. I currently have BCBS, and luck enough, DH will be covering us with BCBS.

I want to pay the next cobra payment just to make sure everything is okay. I don't want any lapsed time. DH thinks I am throwing out 355, but i want to be safe then sorry. i see dh again tomorrow, he will have all insurance info for me to look at, and i am going to call provider, just wondering if anyone has insight.

thanks!

Message edited 7/21/2006 9:28:18 AM.

Posted 7/12/06 6:11 PM
 
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CkGm
They get so big, so fast :(

Member since 5/05

13848 total posts

Name:
Christine

Re: insurance issues, DH thinks I am nutty

I am a nut like you- I would much rather be safe than sorry. What if there is a 30 day lapse or something crazy happens???

Posted 7/12/06 6:34 PM
 

nferrandi
too excited for words

Member since 10/05

18538 total posts

Name:
Nicole

Re: insurance issues, DH thinks I am nutty

I'm kind of in the same boat. DH starts a new job this coming Monday and insurance is effective after 2 weeks. I need him to confirm that because I would hate to pay $423 for no reason. As long as his new company tells me I'm insured, then I'm going to cancel Cobra. I'd rather have that money in my pocket than theirs.

Posted 7/12/06 6:36 PM
 

ddunne2
LIF Adult

Member since 7/05

4189 total posts

Name:
Doreen

Re: insurance issues, DH thinks I am nutty

I agree with you....$355 is nothing for the peace of mind to know that if by some small chance there is an issue with DH's insurance during the transiton, that you will be covered.

Posted 7/12/06 6:52 PM
 

monkeybride
My Everything

Member since 5/05

20541 total posts

Name:

Re: insurance issues, DH thinks I am nutty

Can't they refund you if you end up being covered by DH's insurance?

Posted 7/12/06 7:05 PM
 

nyctosea
LIF Zygote

Member since 6/06

14 total posts

Name:
Jen

Re: insurance issues, DH thinks I am nutty

Your DH should be able to find out for sure from his HR dept. if he/you are covered immediately, or if there is a wait. At my current job, I was covered from the day I started because I started at the beginning of the month. Had I started after the 15th, I wouldn't have been covered until the 1st of the following month. At my last job, I was covered immediately regardless of what date I started. Every place is different, but there should be a written policy and you should be able to base your decision to keep your cobra based on that. There's NO advantage to having cobra AND ins. thru DH at the same time - you'd be wasting money.

Posted 7/12/06 7:31 PM
 

MABLE03
I <3 SATC

Member since 6/06

4563 total posts

Name:
Fabulous

Re: insurance issues, DH thinks I am nutty

Posted by nyctosea

Your DH should be able to find out for sure from his HR dept. if he/you are covered immediately, or if there is a wait. At my current job, I was covered from the day I started because I started at the beginning of the month. Had I started after the 15th, I wouldn't have been covered until the 1st of the following month. At my last job, I was covered immediately regardless of what date I started. Every place is different, but there should be a written policy and you should be able to base your decision to keep your cobra based on that. There's NO advantage to having cobra AND ins. thru DH at the same time - you'd be wasting money.



I agree.

Posted 7/12/06 7:42 PM
 

wowcoulditbe
wow, pic is already 1 yr old!!

Member since 1/06

6689 total posts

Name:
D

Re: insurance issues, DH thinks I am nutty

Posted by ddunne2

I agree with you....$355 is nothing for the peace of mind to know that if by some small chance there is an issue with DH's insurance during the transiton, that you will be covered.


I have to agree...its such a waste I know but I would prob rahter be safe than sorry...

Posted 7/12/06 7:54 PM
 

apb17
My guys

Member since 5/06

2173 total posts

Name:
Alli

Re: insurance issues, DH thinks I am nutty

Posted by monkeybride

Can't they refund you if you end up being covered by DH's insurance?



My thoughts exactly!

Posted 7/12/06 8:10 PM
 

SoinLove
Making big changes

Member since 5/05

16541 total posts

Name:
Kristin

Re: insurance issues, DH thinks I am nutty

Posted by apb17

Posted by monkeybride

Can't they refund you if you end up being covered by DH's insurance?



My thoughts exactly!



That's what I was thinking!

Posted 7/12/06 8:27 PM
 

luvsun27
Check out my cool glasses

Member since 5/05

8135 total posts

Name:
Kim

Re: insurance issues, DH thinks I am nutty

I would pay the cobra! I wouldn't be comfortable until I got a new card in the mail with both your name and DH's name as being covered!

Posted 7/12/06 10:28 PM
 

btrflygrl
me and baby #3!

Member since 5/05

12013 total posts

Name:
Shana

Re: insurance issues, DH thinks I am nutty

honestly, I'd call both Cobra and the new insurance co and ask what you should do.

Posted 7/13/06 8:23 AM
 

JRG71
*****************

Member since 5/05

5025 total posts

Name:

Re: insurance issues, DH thinks I am nutty

Posted by Janice

so, a huge issue I had at beginning of pregnancy was the fact that I would be leaving my job.
I went cobra nutty...making sure and confirming almost daily that I would be covered.

so I made my first payment of 355 this month, I am covered till 7/31. next payment is due 8/1. DH will be able to insure us through his job on 8/1. I currently have BCBS, and luck enough, DH will be covering us with BCBS.

I want to pay the next cobra payment just to make sure everything is okay. I don't want any lapsed time. DH thinks I am throwing out 355, but I want to be safe then sorry. I see dh again tomorrow, he will have all insurance info for me to look at, and I am going to call provider, just wondering if anyone has insight.

thanks!



If you overpaid, wouldn't Cobra give your money back? I thought with things like insurance that if you over pay they pro-rate you, and then refund the difference. I would call and ask - Also I would want to be sure I was covered too - So I don't blame you for wanting to make that payment.

Posted 7/13/06 8:30 AM
 

CaseyGirl
Mommy to 3 Boys :)

Member since 5/05

19978 total posts

Name:
Jen - counting my blessings...

Re: insurance issues, DH thinks I am nutty

Most companies will even give you a grace period of 30 days to make the payment...so you could probably even pay by 8/31 but I understand your concern. Can you call or check with your DH's co. to confirm the 8/1 coverage?

Posted 7/13/06 9:54 AM
 

Janice
Sweet Jessie Quinn

Member since 5/05

27567 total posts

Name:
Janice

Re: insurance issues, DH thinks I am nutty

thanks for your replies! i forgot all about this postChat Icon Monday I am going to start calling and confirming. I will also check if cobra refunds.

thanks!

Posted 7/16/06 8:13 AM
 

Janice
Sweet Jessie Quinn

Member since 5/05

27567 total posts

Name:
Janice

Re: insurance issues, DH thinks I am nutty-update

update: I wanted to add an update incase anyone ever needs to search for cobra info.

So as it turns out, DH's insurance co asked me to get a certificate of insurance from cobra. I should be getting that in a few days. Once that is turned in, then it looks like I am good to go.

The great thing that I learned is that I have breathing room. My next cobra payment is due 8/1. However, there is a 30 day grace period. I have until 8/30 to keep my coverage, but I won't actually be "covered" until I make payment, all bills will then be paid retroactive. So that is great news. I can make sure I am covered on Leo's insurance before I actually have to cancel cobra.

Thanks!

Posted 7/21/06 9:31 AM
 
 
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