true fact.
oh I need to email you. incoming shortly.
Angel: You know, I killed my actual dad. It was one of the first things I did when I became a vampire. Wesley: I hardly see how that's the same situation. Angel: Yeah. I didn't really think that one through.
'Lineage'
Natter 64: Yes, we still need you
Off-topic discussion. Wanna talk about corsets, duct tape, or physics? This is the place. Detailed discussion of any current-season TV must be whitefonted.
msbelle - Aug 11, 2009 3:03:25 pm PDT #3329 of 30001
I remember the crazy days. 500 posts an hour. Nubmer! Natgbsb
javachik - Aug 11, 2009 3:03:27 pm PDT #3330 of 30001
Our wings are not tired.
Sue, I believe she'd be able to have COBRA for up to 12 or 18 months, but it's extremely expensive (though Obama's administration has discounted the cost). But it's pretty much the only way to continue coverage with a pre-existing condition right now (short of her getting a new job).
Polgara - Aug 11, 2009 3:06:13 pm PDT #3331 of 30001
Karma is a cat, sleeping in my lap cuz it loves me. ~TS
Sue, the only people not eligible for COBRA are those who are fired with just cause. It's considered continuation of coverage, so pre-existing conditions do not apply. And it will cost her exactly 102% of the cost of the coverage, regardless of her illness (although I don't know how much the new discount will affect that). However, I think any deductibles or out of pocket limits she's already reached this year will not carry over, she'll have to pay those again.
Jesse - Aug 11, 2009 3:06:26 pm PDT #3332 of 30001
Sometimes I trip on how happy we could be.
Oh, that sucks, msbelle.
I've heard y'all talk about COBRA insurance after losing a job. Won't she qualify for COBRA? And can they disqualify her from COBRA because she is so sick? Considering how sick she is (cancer in her brain, lungs, skin, and arms), does it cost more?
But that situation really sucks. I'm pretty sure the deal with COBRA is that because it's keeping your current insurance, there aren't the disqualification issues with changing insurance. Also what javachik said.
Sue - Aug 11, 2009 3:08:30 pm PDT #3333 of 30001
hip deep in pie
Sue, I believe she'd be able to have COBRA for up to 12 or 18 months, but it's extremely expensive (though Obama's administration has discounted the cost). But it's pretty much the only way to continue coverage with a pre-existing condition right now (short of her getting a new job).
Thanks. I have found an FAQ about COBRA in NY that I sent to my friend and explained what little I knew of it. I'm sure extremely expensive COBRA payments are cheaper than whatever her chemo is costing.
Glamcookie - Aug 11, 2009 3:10:28 pm PDT #3334 of 30001
I know my own heart and understand my fellow man. But I am made unlike anyone I have ever met. I dare to say I am like no one in the whole world. - Anne Lister
Is that one of the things mandated by California?
Not that I know of, but I'm not positive...
javachik - Aug 11, 2009 3:11:19 pm PDT #3335 of 30001
Our wings are not tired.
I'm sure extremely expensive COBRA payments are cheaper than whatever her chemo is costing.
Absolutely. Deb G was on it and it was scary expensive but covered her Avonex (super expensive shot for MS-related ills) iirc.
megan walker - Aug 11, 2009 3:12:10 pm PDT #3336 of 30001
"What kind of magical sunshine and lollipop world do you live in? Because you need to be medicated."-SFist
My surgery was when I was on COBRA. Actually, I hadn't yet decided to continue my insurance when I first ended up in the emergency room, but because NYU's bureaucracy had taken so long to inform me about the COBRA decision I essentially got retroactive coverage.
ETA: For me, COBRA was about $550/month, but still far cheaper than my surgery probably was.
Jesse - Aug 11, 2009 3:13:13 pm PDT #3337 of 30001
Sometimes I trip on how happy we could be.
I believe you always have 90 days to elect COBRA, and it goes retroactively (if you pay the 3 months of premiums).
Polgara - Aug 11, 2009 3:15:55 pm PDT #3338 of 30001
Karma is a cat, sleeping in my lap cuz it loves me. ~TS
90 days from the date you're notified, and your employer has 60 days to notify you. If they wait the sixty days, and you elect 90 days after that, you get coverage retro to when you lost your coverage, as long as you pay those five months of premiums. If you're on good terms with your ex-employer, it's a good way to hedge your bets for five months. (I used to administer paperwork for COBRA coverage.)