Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 Barbara, I do not know how that could possibly be legal forget about ethical. Have you called his company? That would be discrimination and as long as you were covered on the other policy and are still married or have no other changes than you should be covered. Here is a web site that may have some answers: http://www.healthinsurancefinders.com/cr_cobra_state.html I had a bear of a time with Cobra when me ex and i got divorced. It took along time to get the paperwork and then every month I got canceled because my check would get sent to the agency. My RX were always put on hold. It is better now. Hopefully it won't be too bad since you only need it for a couple of months. Mine is really expensive too $505.00/mo for individual coverage. I can not get individual coverage elsewhere because of pre-existing conditions and have no idea what I will do in two yrs. when I am booted! Can't worry now though. Good luck, Dawn Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 Barbara, I would call your state insurance commissioner and ask. Try this link to get the phone number for your state. http://personalinsure.about.com/cs/statecommisioners/a/blcommissioners.htm Barbara Seaman wrote: >Does anyone know if an insurance company can legally kick out a dependant >when the employee switches the policy over to COBRA? I thought they were >legally obligated to continue coverage for the entire family if we pay the >premium. It appears that our insurance is trying to kick me off my husband's >policy Feb 1 when we switch to COBRA for 2 months. His new insurance does >not start until April 1. > >It's possible this was an " error " but also is possible it was deliberate. I >know my file has been flagged as expensive due to various situations, but >did not think they could actually kick me out even if they wanted to. > >Anyone have any experience or knowledge of such a situation? It is creating >a major problem with the Gamma Knife, among other things, and if I can't >prove continuous coverage, then the new policy could potentially refuse to >cover any pre-existing conditions.....which would be a true nightmare. > >We have HR people and Gamma Knife Center people working on this....hopefully >can resolve. >Barbara > > > > > >Medical advice, information, opinions, data and statements contained herein are not necessarily those of the list moderators. The author of this e mail is entirely responsible for its content. List members are reminded of their responsibility to evaluate the content of the postings and consult with their physicians regarding changes in their own treatment. > >Personal attacks are not permitted on the list and anyone who sends one is automatically moderated or removed depending on the severity of the attack. > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 Thanks, Dawn. We were on Cobra once before and had no problems, so I was not really worried. It is expensive---ours is $920 a month, but only for 2 months. I will check out the link. B _____ From: thefourofus03 Sent: Thursday, January 20, 2005 5:19 PM To: Subject: Re: COBRA question Barbara, I do not know how that could possibly be legal forget about ethical. Have you called his company? That would be discrimination and as long as you were covered on the other policy and are still married or have no other changes than you should be covered. Here is a web site that may have some answers: http://www.healthinsurancefinders.com/cr_cobra_state.html I had a bear of a time with Cobra when me ex and i got divorced. It took along time to get the paperwork and then every month I got canceled because my check would get sent to the agency. My RX were always put on hold. It is better now. Hopefully it won't be too bad since you only need it for a couple of months. Mine is really expensive too $505.00/mo for individual coverage. I can not get individual coverage elsewhere because of pre-existing conditions and have no idea what I will do in two yrs. when I am booted! Can't worry now though. Good luck, Dawn Medical advice, information, opinions, data and statements contained herein are not necessarily those of the list moderators. The author of this e mail is entirely responsible for its content. List members are reminded of their responsibility to evaluate the content of the postings and consult with their physicians regarding changes in their own treatment. Personal attacks are not permitted on the list and anyone who sends one is automatically moderated or removed depending on the severity of the attack. _____ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 Thanks, . Great idea. Even better because the Kansas Insurance Commissioner is the wife of one of my docs! I know she will help. B _____ From: Sent: Thursday, January 20, 2005 5:37 PM To: Subject: Re: COBRA question Barbara, I would call your state insurance commissioner and ask. Try this link to get the phone number for your state. http://personalinsure.about.com/cs/statecommisioners/a/blcommissioners.htm Barbara Seaman wrote: >Does anyone know if an insurance company can legally kick out a dependant >when the employee switches the policy over to COBRA? I thought they were >legally obligated to continue coverage for the entire family if we pay the >premium. It appears that our insurance is trying to kick me off my husband's >policy Feb 1 when we switch to COBRA for 2 months. His new insurance does >not start until April 1. > >It's possible this was an " error " but also is possible it was deliberate. I >know my file has been flagged as expensive due to various situations, but >did not think they could actually kick me out even if they wanted to. > >Anyone have any experience or knowledge of such a situation? It is creating >a major problem with the Gamma Knife, among other things, and if I can't >prove continuous coverage, then the new policy could potentially refuse to >cover any pre-existing conditions.....which would be a true nightmare. > >We have HR people and Gamma Knife Center people working on this....hopefully >can resolve. >Barbara > > > > > >Medical advice, information, opinions, data and statements contained herein are not necessarily those of the list moderators. The author of this e mail is entirely responsible for its content. List members are reminded of their responsibility to evaluate the content of the postings and consult with their physicians regarding changes in their own treatment. > >Personal attacks are not permitted on the list and anyone who sends one is automatically moderated or removed depending on the severity of the attack. > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 I sure hope everything works out OK. Barbara Seaman wrote: >Thanks, . Great idea. Even better because the Kansas Insurance >Commissioner is the wife of one of my docs! I know she will help. > > > >B > > > > _____ > >From: >Sent: Thursday, January 20, 2005 5:37 PM >To: >Subject: Re: COBRA question > > > >Barbara, > >I would call your state insurance commissioner and ask. Try this link >to get the phone number for your state. >http://personalinsure.about.com/cs/statecommisioners/a/blcommissioners.htm > > > >Barbara Seaman wrote: > > > >>Does anyone know if an insurance company can legally kick out a dependant >>when the employee switches the policy over to COBRA? I thought they were >>legally obligated to continue coverage for the entire family if we pay the >>premium. It appears that our insurance is trying to kick me off my >> >> >husband's > > >>policy Feb 1 when we switch to COBRA for 2 months. His new insurance does >>not start until April 1. >> >>It's possible this was an " error " but also is possible it was deliberate. I >>know my file has been flagged as expensive due to various situations, but >>did not think they could actually kick me out even if they wanted to. >> >>Anyone have any experience or knowledge of such a situation? It is creating >>a major problem with the Gamma Knife, among other things, and if I can't >>prove continuous coverage, then the new policy could potentially refuse to >>cover any pre-existing conditions.....which would be a true nightmare. >> >>We have HR people and Gamma Knife Center people working on >> >> >this....hopefully > > >>can resolve. >>Barbara >> >> >> >> >> >>Medical advice, information, opinions, data and statements contained herein >> >> >are not necessarily those of the list moderators. The author of this e mail >is entirely responsible for its content. List members are reminded of their >responsibility to evaluate the content of the postings and consult with >their physicians regarding changes in their own treatment. > > >>Personal attacks are not permitted on the list and anyone who sends one is >> >> >automatically moderated or removed depending on the severity of the attack. > > >> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 I second that, Barbara. You sure have enough to worry about without needing to hassle with insurance companies. I hope it gets resolved very quickly, and in your favor, of course. Sunny > I sure hope everything works out OK. > > > > Barbara Seaman wrote: > > >Thanks, . Great idea. Even better because the Kansas Insurance > >Commissioner is the wife of one of my docs! I know she will help. > > > > > > > >B > > > > > > > > _____ > > > >From: > >Sent: Thursday, January 20, 2005 5:37 PM > >To: > >Subject: Re: COBRA question > > > > > > > >Barbara, > > > >I would call your state insurance commissioner and ask. Try this > link > >to get the phone number for your state. > > >http://personalinsure.about.com/cs/statecommisioners/a/ > blcommissioners.htm > > > > > > > >Barbara Seaman wrote: > > > > > > > >>Does anyone know if an insurance company can legally kick out a > dependant > >>when the employee switches the policy over to COBRA? I thought they > were > >>legally obligated to continue coverage for the entire family if we > pay the > >>premium. It appears that our insurance is trying to kick me off my > >>   > >> > >husband's > > > > > >>policy Feb 1 when we switch to COBRA for 2 months. His new > insurance does > >>not start until April 1. > >> > >>It's possible this was an " error " but also is possible it was > deliberate. I > >>know my file has been flagged as expensive due to various > situations, but > >>did not think they could actually kick me out even if they wanted > to. > >> > >>Anyone have any experience or knowledge of such a situation? It is > creating > >>a major problem with the Gamma Knife, among other things, and if I > can't > >>prove continuous coverage, then the new policy could potentially > refuse to > >>cover any pre-existing conditions.....which would be a true > nightmare. > >> > >>We have HR people and Gamma Knife Center people working on > >>   > >> > >this....hopefully > > > > > >>can resolve. > >>Barbara > >> > >> > >> > >> > >> > >>Medical advice, information, opinions, data and statements > contained herein > >>   > >> > >are not necessarily those of the list moderators. The author of this > e mail > >is entirely responsible for its content. List members are reminded > of their > >responsibility to evaluate the content of the postings and consult > with > >their physicians regarding changes in their own treatment. > > > > > >>Personal attacks are not permitted on the list and anyone who sends > one is > >>   > >> > >automatically moderated or removed depending on the severity of the > attack. > > > > > >> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 20, 2005 Report Share Posted January 20, 2005 Barbara I have no experience, but wanted you to know that I am sending good vibes your way. laurie > > Reply-To: > Date: Thu, 20 Jan 2005 17:06:35 -0600 > To: " Mitoldies " > > Subject: COBRA question > > Does anyone know if an insurance company can legally kick out a dependant > when the employee switches the policy over to COBRA? I thought they were > legally obligated to continue coverage for the entire family if we pay the > premium. It appears that our insurance is trying to kick me off my husband's > policy Feb 1 when we switch to COBRA for 2 months. His new insurance does > not start until April 1. > > It's possible this was an " error " but also is possible it was deliberate. I > know my file has been flagged as expensive due to various situations, but > did not think they could actually kick me out even if they wanted to. > > Anyone have any experience or knowledge of such a situation? It is creating > a major problem with the Gamma Knife, among other things, and if I can't > prove continuous coverage, then the new policy could potentially refuse to > cover any pre-existing conditions.....which would be a true nightmare. > > We have HR people and Gamma Knife Center people working on this....hopefully > can resolve. > Barbara > > > > > Medical advice, information, opinions, data and statements contained herein > are not necessarily those of the list moderators. The author of this e mail is > entirely responsible for its content. List members are reminded of their > responsibility to evaluate the content of the postings and consult with their > physicians regarding changes in their own treatment. > > Personal attacks are not permitted on the list and anyone who sends one is > automatically moderated or removed depending on the severity of the attack. > > > > ---------------------------------------------------------------------------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Whew! Believe it or not, we have the problem resolved, thanks to a very helpful HR manager in my husband's company. It WAS due to clerical error, but the guilty party was the HR entry clerk who neglected to check vital boxes in the COBRA application before she sent it in. Somehow comforting that my insurance was not trying to kick me out, however much they might like to. Thanks to all for the suggestions and support. Much appreciated. Barbara > Re: COBRA question > > > I second that, Barbara. You sure have enough to worry about without > needing to hassle with insurance companies. I hope it gets resolved > very quickly, and in your favor, of course. > > Sunny > > > > I sure hope everything works out OK. > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Whew! Believe it or not, we have the problem resolved, thanks to a very helpful HR manager in my husband's company. It WAS due to clerical error, but the guilty party was the HR entry clerk who neglected to check vital boxes in the COBRA application before she sent it in. Somehow comforting that my insurance was not trying to kick me out, however much they might like to. Thanks to all for the suggestions and support. Much appreciated. Barbara > Re: COBRA question > > > I second that, Barbara. You sure have enough to worry about without > needing to hassle with insurance companies. I hope it gets resolved > very quickly, and in your favor, of course. > > Sunny > > > > I sure hope everything works out OK. > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 I am SO very happy for the wonderful outcome regarding your insurance. Any word on rescheduling the gamma? Barbara Seaman wrote: >Whew! Believe it or not, we have the problem resolved, thanks to a very >helpful HR manager in my husband's company. It WAS due to clerical error, >but the guilty party was the HR entry clerk who neglected to check vital >boxes in the COBRA application before she sent it in. Somehow comforting >that my insurance was not trying to kick me out, however much they might >like to. Thanks to all for the suggestions and support. Much appreciated. > >Barbara > > > >> Re: COBRA question >> >> >>I second that, Barbara. You sure have enough to worry about without >>needing to hassle with insurance companies. I hope it gets resolved >>very quickly, and in your favor, of course. >> >>Sunny >> >> >> >> >>>I sure hope everything works out OK. >>> >>> >>> >>> >>> > > > > > >Medical advice, information, opinions, data and statements contained herein are not necessarily those of the list moderators. The author of this e mail is entirely responsible for its content. List members are reminded of their responsibility to evaluate the content of the postings and consult with their physicians regarding changes in their own treatment. > >Personal attacks are not permitted on the list and anyone who sends one is automatically moderated or removed depending on the severity of the attack. > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 I am SO very happy for the wonderful outcome regarding your insurance. Any word on rescheduling the gamma? Barbara Seaman wrote: >Whew! Believe it or not, we have the problem resolved, thanks to a very >helpful HR manager in my husband's company. It WAS due to clerical error, >but the guilty party was the HR entry clerk who neglected to check vital >boxes in the COBRA application before she sent it in. Somehow comforting >that my insurance was not trying to kick me out, however much they might >like to. Thanks to all for the suggestions and support. Much appreciated. > >Barbara > > > >> Re: COBRA question >> >> >>I second that, Barbara. You sure have enough to worry about without >>needing to hassle with insurance companies. I hope it gets resolved >>very quickly, and in your favor, of course. >> >>Sunny >> >> >> >> >>>I sure hope everything works out OK. >>> >>> >>> >>> >>> > > > > > >Medical advice, information, opinions, data and statements contained herein are not necessarily those of the list moderators. The author of this e mail is entirely responsible for its content. List members are reminded of their responsibility to evaluate the content of the postings and consult with their physicians regarding changes in their own treatment. > >Personal attacks are not permitted on the list and anyone who sends one is automatically moderated or removed depending on the severity of the attack. > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Me too!! Rescheduled for Feb 15. They offered clear their schedule Jan 25 and do it then, but we opted to wait. B _____ From: Sent: Friday, January 21, 2005 11:27 AM To: Subject: Re: COBRA question I am SO very happy for the wonderful outcome regarding your insurance. Any word on rescheduling the gamma? Barbara Seaman wrote: >Whew! Believe it or not, we have the problem resolved, thanks to a very >helpful HR manager in my husband's company. It WAS due to clerical error, >but the guilty party was the HR entry clerk who neglected to check vital >boxes in the COBRA application before she sent it in. Somehow comforting >that my insurance was not trying to kick me out, however much they might >like to. Thanks to all for the suggestions and support. Much appreciated. > >Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Me too!! Rescheduled for Feb 15. They offered clear their schedule Jan 25 and do it then, but we opted to wait. B _____ From: Sent: Friday, January 21, 2005 11:27 AM To: Subject: Re: COBRA question I am SO very happy for the wonderful outcome regarding your insurance. Any word on rescheduling the gamma? Barbara Seaman wrote: >Whew! Believe it or not, we have the problem resolved, thanks to a very >helpful HR manager in my husband's company. It WAS due to clerical error, >but the guilty party was the HR entry clerk who neglected to check vital >boxes in the COBRA application before she sent it in. Somehow comforting >that my insurance was not trying to kick me out, however much they might >like to. Thanks to all for the suggestions and support. Much appreciated. > >Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Good news, Barbara. Glad to hear the snafu was straightened out. Hope you have some peace and calm until Feb 15th. Regards Sunny > Me too!! Rescheduled for Feb 15. They offered clear their schedule Jan > 25 > and do it then, but we opted to wait. > > > > B > > > >  _____ > > From: > Sent: Friday, January 21, 2005 11:27 AM > To: > Subject: Re: COBRA question > > > > I am SO very happy for the wonderful outcome regarding your > insurance. > Any word on rescheduling the gamma? > > > > Barbara Seaman wrote: > > >Whew! Believe it or not, we have the problem resolved, thanks to a > very > >helpful HR manager in my husband's company. It WAS due to clerical > error, > >but the guilty party was the HR entry clerk who neglected to check > vital > >boxes in the COBRA application before she sent it in. Somehow > comforting > >that my insurance was not trying to kick me out, however much they > might > >like to. Thanks to all for the suggestions and support. Much > appreciated. > > > >Barbara > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Good news, Barbara. Glad to hear the snafu was straightened out. Hope you have some peace and calm until Feb 15th. Regards Sunny > Me too!! Rescheduled for Feb 15. They offered clear their schedule Jan > 25 > and do it then, but we opted to wait. > > > > B > > > >  _____ > > From: > Sent: Friday, January 21, 2005 11:27 AM > To: > Subject: Re: COBRA question > > > > I am SO very happy for the wonderful outcome regarding your > insurance. > Any word on rescheduling the gamma? > > > > Barbara Seaman wrote: > > >Whew! Believe it or not, we have the problem resolved, thanks to a > very > >helpful HR manager in my husband's company. It WAS due to clerical > error, > >but the guilty party was the HR entry clerk who neglected to check > vital > >boxes in the COBRA application before she sent it in. Somehow > comforting > >that my insurance was not trying to kick me out, however much they > might > >like to. Thanks to all for the suggestions and support. Much > appreciated. > > > >Barbara > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 > > >Great news! I am sure that no one meant to cause problems. We had a similar issue last year with our medicaid. A computer error! It caused me a long weekend of freaking out when it was no big deal- but to us it could have been huge. Dawn Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Wonderful news Barbara! laurie > > Reply-To: > Date: Fri, 21 Jan 2005 09:52:07 -0600 > To: > > Subject: RE: COBRA question > > Whew! Believe it or not, we have the problem resolved, thanks to a very > helpful HR manager in my husband's company. It WAS due to clerical error, > but the guilty party was the HR entry clerk who neglected to check vital > boxes in the COBRA application before she sent it in. Somehow comforting > that my insurance was not trying to kick me out, however much they might > like to. Thanks to all for the suggestions and support. Much appreciated. > > Barbara > >> Re: COBRA question >> >> >> I second that, Barbara. You sure have enough to worry about without >> needing to hassle with insurance companies. I hope it gets resolved >> very quickly, and in your favor, of course. >> >> Sunny >> >> >>> I sure hope everything works out OK. >>> >>> >>> > > > > > Medical advice, information, opinions, data and statements contained herein > are not necessarily those of the list moderators. The author of this e mail is > entirely responsible for its content. List members are reminded of their > responsibility to evaluate the content of the postings and consult with their > physicians regarding changes in their own treatment. > > Personal attacks are not permitted on the list and anyone who sends one is > automatically moderated or removed depending on the severity of the attack. > > > > ---------------------------------------------------------------------------- > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 21, 2005 Report Share Posted January 21, 2005 Wonderful news Barbara! laurie > > Reply-To: > Date: Fri, 21 Jan 2005 09:52:07 -0600 > To: > > Subject: RE: COBRA question > > Whew! Believe it or not, we have the problem resolved, thanks to a very > helpful HR manager in my husband's company. It WAS due to clerical error, > but the guilty party was the HR entry clerk who neglected to check vital > boxes in the COBRA application before she sent it in. Somehow comforting > that my insurance was not trying to kick me out, however much they might > like to. Thanks to all for the suggestions and support. Much appreciated. > > Barbara > >> Re: COBRA question >> >> >> I second that, Barbara. You sure have enough to worry about without >> needing to hassle with insurance companies. I hope it gets resolved >> very quickly, and in your favor, of course. >> >> Sunny >> >> >>> I sure hope everything works out OK. >>> >>> >>> > > > > > Medical advice, information, opinions, data and statements contained herein > are not necessarily those of the list moderators. The author of this e mail is > entirely responsible for its content. List members are reminded of their > responsibility to evaluate the content of the postings and consult with their > physicians regarding changes in their own treatment. > > Personal attacks are not permitted on the list and anyone who sends one is > automatically moderated or removed depending on the severity of the attack. > > > > ---------------------------------------------------------------------------- > > Quote Link to comment Share on other sites More sharing options...
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