Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
I THINK 18 MONTHS IS HOW LONG YOU CAN BE COVERED UNDER COBRA. YOU MUST FIRST BE OFFERRED IT. THANK YOU BUT I THINK I KNOW AS MUCH AS YOU ON THIS AND THAT IS NOT ENOUGH. I AM SURE YOUR EXPERTISE IS IN OTHER AREAS
I have not purchased another plan but am without coverage until the COBRA is started. I had to pay full coverage for myself and dependents for NOV., DEC., JAN., and FEB which was in excess of 1200 per month. After they sent me the COBRA info I was allowed to drop my dependent coverage which now makes my premiums 630 per month. I feel I should have been allowed to do this in NOV. I am currently doing without some of my medications due to cost. One script is $259 per month. I cannot pay this for meds and send a insurance company $6000 also to reinstate my coverage. I am a respiratory patient and dependent on oxygen and Bi-pap machines plus many medications. I am at home sick as I have been without my meds. I also cannot go to the doctor now because I do not have coverage.
Because each “qualified beneficiary” has an independent right to COBRA, qualified family members can make their own election and plan decisions. If someone in your family group doesn’t want COBRA but others do want COBRA, you will complete the Election Form appropriately. The Election Form has detailed instructions on it but, if you have any questions, please let us know.
It is determined by your final COBRA plan elections. Once you have made your elections on the Election Form, add up the monthly premium amount that is due. You will owe that amount for all past full months of coverage. Under the COBRA rules, the current month is due before the end of the 30 day grace period. For example, if your last full day of coverage was December 31st and COBRA is effective on January 1, you will owe for the months of January and February if you are making your election on March 15th. The March premium is due before the end of March’s 30 day grace period.
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