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Started By
Message
re: Cobra insurance vs waiting
Posted on 8/13/17 at 7:18 pm to Breesus
Posted on 8/13/17 at 7:18 pm to Breesus
quote:
uote: Can't you elect for Cobra retroactively? Yes.
This. I'm not sure what they do if you have something major, but technically you can get cobra retroactively ( as in after you have an issue).
But, wtf op thanks to Obama you can get cheap insurance anytime. There should not be a waiting period and there is no need to get a health check up. Go sign up for the crappiest plan online for like $100/ month. That's all you need and will help in case of something really bad.
This post was edited on 8/13/17 at 7:19 pm
0
Posted on 8/13/17 at 7:39 pm to TigerRagAndrew
That 350 includes a 10,000 out of pocket expenses 
Posted on 8/13/17 at 7:40 pm to hendersonshands
No?
Posted on 8/13/17 at 7:47 pm to SuwMwf
Holy shite. You okay baw?
Posted on 8/13/17 at 7:57 pm to tduecen
One ends July 31 and the next starts sept 1? What is 90 days?
Posted on 8/13/17 at 8:09 pm to tduecen
You might take a hit on your 2017 taxes for not having insurance for the entire year. Pretty sure that's part of the affordable health care act. People that don't have insurance pay more in taxes.
It's worth looking in you. I made a mistake on my 2016 taxes and the box stating that I had insurance for the entire year got unchecked somehow. It made about a 2k difference in my tax bill. I went from getting back around $500 to owing $1500.
Edit: here's a link
If you don’t have health insurance: How much you’ll pay
It's worth looking in you. I made a mistake on my 2016 taxes and the box stating that I had insurance for the entire year got unchecked somehow. It made about a 2k difference in my tax bill. I went from getting back around $500 to owing $1500.
Edit: here's a link
If you don’t have health insurance: How much you’ll pay
This post was edited on 8/13/17 at 8:19 pm
Posted on 8/13/17 at 8:12 pm to Black n Gold
You can elect for cobra retroactively. It stops after 60 days from you old job ending. So just take the cobra and don't pay the premium unless you get hurt.
Posted on 8/13/17 at 8:17 pm to Maximus
Nothing if I don't get hurt
Posted on 8/13/17 at 8:20 pm to tduecen
Question is, how big of a gambler are you?
Posted on 8/13/17 at 8:29 pm to SuwMwf
Someone else knows my pain. In 2016 I had a surprise gallstone that blocked my common bile duct, gave me pancreatitis, required hospitalization (NPO to reduce pancreas inflammation), and I had my gallbladder removed. I was 31, thankfully no cancer, though. $21,000 for the hospital room, $2900 for the gallbladder surgery. BCBS paid for all of the surgery, my co-pay for the room was only $70/day--they willingly paid $7000/day without a fuss.
Thank goodness for insurance, even if you feel healthy.
Posted on 8/13/17 at 8:35 pm to whitefoot
I have a 90 day window where I don't take a hit
Posted on 8/13/17 at 8:55 pm to tduecen
You sure? That link talks about a short gap exemption, but that doesn't exclude anything over two months.
quote:
If your gap was 3 months or more, you can’t claim this exemption for any of those months.Example: You didn’t have coverage any day in April, May, or June. You can’t claim this exemption for any of those months.
Posted on 8/13/17 at 9:04 pm to tduecen
You will pay through your a-hole sideways for it. If you are healthy and don't have a long wait period, roll the dice.
Posted on 8/13/17 at 9:07 pm to tduecen
You don't need insurance. It's just a bet you'll get sick. Stay healthy and don't worry about it.
Posted on 8/13/17 at 9:24 pm to whitefoot
Yes I read the contact paper work they sent me
Posted on 8/13/17 at 9:24 pm to tduecen
Are you sure from July 31st to Sept 1st is 61 days?
This post was edited on 8/13/17 at 9:25 pm
Posted on 8/13/17 at 9:30 pm to Rebel
According to the Cobra stuff I have 90 days of Grace since I'm switching employers, so the time in between is technically irrelevant but still
Posted on 8/13/17 at 9:37 pm to tduecen
If something catastrophic were to happen then you could just pick up COBRA and pay the back months and you would still have coverage.
If your new coverage starts Sept 1st, you have less than 3 weeks before it kicks in.
If your new coverage starts Sept 1st, you have less than 3 weeks before it kicks in.
Posted on 8/13/17 at 9:50 pm to tduecen
quote:
(350 vs the 200
$350 is a steal.
Posted on 8/13/17 at 10:25 pm to Zappas Stache
Here is the COBRA law:
You have 60 days to elect.
Then, if you elect, you have 45 days to pay. That's 105 days.
I have done this twice and never paid a dime since I did not need to see a doctor.
You have 60 days to elect.
Then, if you elect, you have 45 days to pay. That's 105 days.
I have done this twice and never paid a dime since I did not need to see a doctor.
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