Subject: Re: insurance

December 21, 2001

In a message dated 12/22/01 3:02:12 AM Eastern Standard Time,

<< When you send your payment in make sure you send it priority mail,

might want to do a money order, and get it with returned receipt

requested. I work with patients who have COBRA coverage all the time

and sometimes it takes a LOOOOOONG time for those payments to get

posted. >>

- thanks for mentioning that. I know that is the case because I was on

COBRA a couple of years ago and even tho I had sent in my payment on time,

they said I was cancelled and then they would have to reinstate, because the

payment was on someone's desk for 2 weeks. So, I learned to make *SURE*

everything I sent to them had a return receipt signed by them when they

picked up the mail. I will def do this when I send in my 3 payments of

almost $1,000.

I talked to my Mom last night and she is going to front me the $1000 so I can

send in my 3 COBRA payments next week. What with the holidays and all, I

want to be sure they get my payment asap and notify my insurance company

before Jan.1st so I have no problems getting into the hospital and so Dr.

Hess' office can confirm that I *do* have insurance.

I will probably send my payment in Priority Mail and with a money order with

return receipt. I sent in my election for COBRA that way, so they couldn't

say they never got it. They got it on Dec. 3rd and it took till Dec. 21st

for them to send out the bill (I called yesterday and they said they sent the

bill out yesterday).

So if anyone has COBRA, I agree that they need to be sure to get return

receipts.

COBRA said they would call my insurance company as soon as they get my

payment, so if I can get this all squared away before the New Year, I should

be ok for admittance to the hospital Jan. 14th.

I am just so lucky my Mom is willing to help me out. If I only had my

unemployment (since I am not married) every dime I would get for the first 6

weeks would go to COBRA. Just goes to show you how awful it is for those out

of work who are not as lucky as I am. I thank God for my Mom.

Carole

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