free4now
Thinks s/he gets paid by the post
- Joined
- Dec 28, 2005
- Messages
- 1,228
I left work more than a month ago with a severance package, and my 60 days severance health insurance period is running out. So I've got to get enrolled in the COBRA program soon.
The small company that adminsters the COBRA program for my former employer is incredibly unreliable. I had to buy COBRA coverage when I took a sabbatical a year ago and there were constant delays getting my health coverage activated; it wasn't until I was almost done with the 10 month sabbatical that my health coverage was actually activated (retroactively).
Now this time I learn that they won't even send me the enrollment package for COBRA until a few weeks after my 60 day coverage lapses. Then they say I have 60 days from the lapse date to retroactively enroll.
Has anyone else had this experience... is it too much to ask to register before my coverage lapses? It seems like a bad situation... if for some reason the COBRA enrollment doesn't work out then for HIPAA purposes I'm no longer covered due to the gaps in coverage.
The small company that adminsters the COBRA program for my former employer is incredibly unreliable. I had to buy COBRA coverage when I took a sabbatical a year ago and there were constant delays getting my health coverage activated; it wasn't until I was almost done with the 10 month sabbatical that my health coverage was actually activated (retroactively).
Now this time I learn that they won't even send me the enrollment package for COBRA until a few weeks after my 60 day coverage lapses. Then they say I have 60 days from the lapse date to retroactively enroll.
Has anyone else had this experience... is it too much to ask to register before my coverage lapses? It seems like a bad situation... if for some reason the COBRA enrollment doesn't work out then for HIPAA purposes I'm no longer covered due to the gaps in coverage.