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» LymeNet Flash » Questions and Discussion » General Support » Cobra- what happens after 18mnths?

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Author Topic: Cobra- what happens after 18mnths?
cantgiveupyet
Frequent Contributor (1K+ posts)
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Does anyone know what happens when the 18 months are up? I have been on it 13 months, so only have 5 more months?

I know if i get approved for SSI it will be extended, but i doubt that will happen, i have an outside agency handling it and they are giving me the run around.

thanks

--------------------
"Say it straight simple and with a smile."

"Thus the task is, not so much to see what no one has seen yet,
But to think what nobody has thought yet, About what everybody sees."

-Schopenhauer

pos babs, bart, igenex WB igm/igg

Posts: 3156 | From Lyme limbo | Registered: Oct 2005  |  IP: Logged | Report this post to a Moderator
Lymetoo
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I think you are then dropped. Happened to us with dental insurance.

--------------------
--Lymetutu--
Opinions, not medical advice!

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Aniek
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After 18 months, they no longer need to allow you to buy the insurance. Yes, it sucks.

--------------------
"When there is pain, there are no words." - Toni Morrison

Posts: 4711 | From Washington, DC | Registered: Mar 2004  |  IP: Logged | Report this post to a Moderator
cantgiveupyet
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guess i will join the ranks of being uninsured.

maybe i should stand on the corner and collect money for my health care fund. [bonk]

--------------------
"Say it straight simple and with a smile."

"Thus the task is, not so much to see what no one has seen yet,
But to think what nobody has thought yet, About what everybody sees."

-Schopenhauer

pos babs, bart, igenex WB igm/igg

Posts: 3156 | From Lyme limbo | Registered: Oct 2005  |  IP: Logged | Report this post to a Moderator
LPurdy1040
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When I was on cobra and my time was getting close to running out, they gave me the option of keeping it but my monthly premium would of went up by an additional $180.00. That has been quite a few years ago so things may have changed. But I would at least inquire about that.

Sending you lots of hugs
Linda

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Aniek
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quote:
Originally posted by LPurdy1040:
When I was on cobra and my time was getting close to running out, they gave me the option of keeping it but my monthly premium would of went up by an additional $180.00. That has been quite a few years ago so things may have changed. But I would at least inquire about that.

Sending you lots of hugs
Linda

They don't legally have to do that, but nothing stops them from offering to. You can inquire.

You can also try to get insurance on the individual market. Unfortunately, if it's not group insurance then most states allow the insurance to refuse to cover preexisting conditions. And most companies will refuse to give insurance to somebody who is already sick.

--------------------
"When there is pain, there are no words." - Toni Morrison

Posts: 4711 | From Washington, DC | Registered: Mar 2004  |  IP: Logged | Report this post to a Moderator
   

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