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Sheenie - as I suspected, a quick check reveals that getting temporary insurance - rather than electing to take COBRA bennies - can possibly ********* up if you have pre-existing conditions.
So glad you mentioned this as it is crucial info for those w/ pre-existing conditions. For those without pre-existing conditions and no need for "portability" - this could be a useful strategy.
Like I said, as much as people don't want to hear it, Cobra was cheaper than any other insurance we could go with, and that is because we do have some preexisting conditions, though nothing serious like kidney dialysis or heart transplants, lol! Any preexisting condition will be held against you by the other insurers.
Like I said, as much as people don't want to hear it, Cobra was cheaper than any other insurance we could go with, and that is because we do have some preexisting conditions, though nothing serious like kidney dialysis or heart transplants, lol! Any preexisting condition will be held against you by the other insurers.
That's especially true for people with pre-existing conditions or you're no longer in that golden demographic age group. Once you reach AARP status, finding a new policy to cover you, makes COBRA look cheap!
"Gee, do I get free Mercedes S-Class if I sign up with your company, given the premiums I'll be paying?"
Like I said, as much as people don't want to hear it, Cobra was cheaper than any other insurance we could go with, and that is because we do have some preexisting conditions, though nothing serious like kidney dialysis or heart transplants, lol! Any preexisting condition will be held against you by the other insurers.
Sure will. It can be something very simple and doesn't have to be a chronic condition. We were nearly turned down for insurance 10 years ago b/c DH had torn the ligaments in his knee (torn several - not just cruciate). We were able to get insurance (finally - after jumping thru/ hoops) but the rate went way up!!! ARRRGHHH.
In another state, my COBRA coverage was $450. I used it as a bridge to Medicare. It hurt to pay that amount but my insulin alone costs more than that per month.
For all that people complain about Medicare, I have found it covers more and is simpler to use than any other employer-proveded insurance I have ever had. So I hope it goes on - at least until I die!!
Got private insurance in May 2007 for $538 for the family through Golden Rule, a United Healthcare company. COBRA would have been $1,200. I don't know if I could get that again at that rate if I ever had to after having breast cancer. I know they can't refuse to cover you if you had prior insurance (at least that's the law in SC) but I don't know what the premiums would be.
Ani - thx so much for starting this thread. Those of us who are having to consider our options such as COBRA need all the info we can get!
You are very welcome! I am trying to put together resource info for those out of work or who are planning in case they could lose their jobs or face a lay-off. If everyone will let me know what they are wondering about - I will do my best to round up info, weblinks and experts to interface with so questions are answered.
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