Comments on: COBRA Payment Requirements http://www.understandcobra.com/cobra-payment-requirements.html Mon, 07 Jul 2008 10:10:48 +0000 http://wordpress.org/?v=2.5.1 By: Cleveland Stubbs http://www.understandcobra.com/cobra-payment-requirements.html#comment-1032 Cleveland Stubbs Wed, 09 Jan 2008 14:22:33 +0000 http://www.understandcobra.com/?p=8#comment-1032 Is it at all possible to, only pay Cobra for one month? I was terminated on Oct 9th, 2007, my soon was already approved and scheduled for surgery on October 17th, 2007. Can I just pay for Cobra to cover me for that month? Is it at all possible to, only pay Cobra for one month? I was terminated on Oct 9th, 2007, my soon was already approved and scheduled for surgery on October 17th, 2007. Can I just pay for Cobra to cover me for that month?

]]> By: robert vice http://www.understandcobra.com/cobra-payment-requirements.html#comment-873 robert vice Tue, 04 Dec 2007 18:38:19 +0000 http://www.understandcobra.com/?p=8#comment-873 I was under Cobra coverage until November 11, 2007. My coverage was terminatedby letter of that date. My coverage began at the end of August of the same year. I rec'd an invoice for two months of October and November. I was told that I needed to have a check sent to them and postmarked by November 5, 2007 for $2013 to retain coverage. Meantime, I am having MRI's and doctor visits for a shoulder injury that all have been approved thru my primary care doctor because i have an HMO. I have received letters of approval for the visits. I rec'd a letter of termination dated November ll. My check was cashed on November 13 and I received confirmation of benefits dated November 14, 2007. I cannot even get a call back from these folks. I have a signed statement from the UPS store that also functions as a post office stating that I was there on the 5th and that he did postmark the payment the 5th to comply with their request. Cobra says that it was postmarked the 6th and they've cancelled my coverage and will not pay any of the procedures that they have approved prior. They also indicated that they were refunding the money, although i've not seen that as yet. I feel that I'm being treated unfairly, I obviouslly was trying to comply with their request, but am receiving no consideration. Can you help me. I was under Cobra coverage until November 11, 2007. My coverage was terminatedby letter of that date. My coverage began at the end of August of the same year. I rec’d an invoice for two months of October and November. I was told that I needed to have a check sent to them and postmarked by November 5, 2007 for $2013 to retain coverage. Meantime, I am having MRI’s and doctor visits for a shoulder injury that all have been approved thru my primary care doctor because i have an HMO. I have received letters of approval for the visits. I rec’d a letter of termination dated November ll. My check was cashed on November 13 and I received confirmation of benefits dated November 14, 2007. I cannot even get a call back from these folks. I have a signed statement from the UPS store that also functions as a post office stating that I was there on the 5th and that he did postmark the payment the 5th to comply with their request. Cobra says that it was postmarked the 6th and they’ve cancelled my coverage and will not pay any of the procedures that they have approved prior. They also indicated that they were refunding the money, although i’ve not seen that as yet. I feel that I’m being treated unfairly, I obviouslly was trying to comply with their request, but am receiving no consideration. Can you help me.

]]> By: UnderstandCOBRA http://www.understandcobra.com/cobra-payment-requirements.html#comment-10 UnderstandCOBRA Wed, 29 Nov 2006 15:16:47 +0000 http://www.understandcobra.com/?p=8#comment-10 First, I'd call a lawyer because I am not an expert and you should treat my advice as you would the advice of a friend or a co-worker. I think calling a lawyer, especially if you're going to have to deal with an insurance company about $$$, should be a priority. Now, onto some water-cooler advice, unless your employer went bankrupt or you've had COBRA too long, you should still be on COBRA. UHC could be trying to screw you by doing this, it's not unheard of for companies to try to pull a fast one. As for who you are supposed to pay, you should've received the COBRA package when you left that company detailing who your plan administrator was... while I'm not certain, it could always be your company (or a subsidiary). It should all be in that package your company was required to send you (by mail) detailing COBRA and what you are supposed to do. Good luck! First, I’d call a lawyer because I am not an expert and you should treat my advice as you would the advice of a friend or a co-worker. I think calling a lawyer, especially if you’re going to have to deal with an insurance company about $$$, should be a priority.

Now, onto some water-cooler advice, unless your employer went bankrupt or you’ve had COBRA too long, you should still be on COBRA. UHC could be trying to screw you by doing this, it’s not unheard of for companies to try to pull a fast one. As for who you are supposed to pay, you should’ve received the COBRA package when you left that company detailing who your plan administrator was… while I’m not certain, it could always be your company (or a subsidiary). It should all be in that package your company was required to send you (by mail) detailing COBRA and what you are supposed to do.

Good luck!

]]> By: Mark Luitwieler http://www.understandcobra.com/cobra-payment-requirements.html#comment-9 Mark Luitwieler Tue, 28 Nov 2006 18:47:44 +0000 http://www.understandcobra.com/?p=8#comment-9 I am currently paying for COBRA coverage right now (612.00/mo for me and my kids). I just scheduled a surgery for my shoulder and I am trying to budget it for it and asked what my deductible and out of pocket balances were to date and UHC (United Healthcare) informed me that I was not on a COBRA plan but had a new plan start on September 1st (my previous benefits ended 8/31) and that all of my deductible balances and out of pocket balances had been reset to zero. I think, based on my research so far that this is wrong and that my existing coverage should have been continued with the existing balances and requirements going forward. Also, in your guidelines above, you mentioned I should be making the check out to the plan administrator, NOT my former employer. They(my former employer) are requiring me to pay them. What should I do? I am currently paying for COBRA coverage right now (612.00/mo for me and my kids). I just scheduled a surgery for my shoulder and I am trying to budget it for it and asked what my deductible and out of pocket balances were to date and UHC (United Healthcare) informed me that I was not on a COBRA plan but had a new plan start on September 1st (my previous benefits ended 8/31) and that all of my deductible balances and out of pocket balances had been reset to zero. I think, based on my research so far that this is wrong and that my existing coverage should have been continued with the existing balances and requirements going forward. Also, in your guidelines above, you mentioned I should be making the check out to the plan administrator, NOT my former employer. They(my former employer) are requiring me to pay them. What should I do?

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