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Anyone involved in health insurance?
Posted on 7/3/13 at 5:42 am
Posted on 7/3/13 at 5:42 am
I left a bigger company at the end of May and started working for a smaller company June 11 but I am on a probationary period with no health insurance for my family.
We were going to use cobra for the month of June and then sign up for a plan through ehealthinsurance for July. Ehealth is waiting on some medical records and we have not been approved yet so we purchased a gap high deductible plan for this month and may be able to back date the new plan for July.
We had some medical expenses in June but they totaled about $400 less than the cobra payment.
We are trying to decide if we should just pay June out of pocket but have been told if we go 63 days without coverage we will have a preexisting clause placed on our new policy.
is the 63 day period correct?
We were going to use cobra for the month of June and then sign up for a plan through ehealthinsurance for July. Ehealth is waiting on some medical records and we have not been approved yet so we purchased a gap high deductible plan for this month and may be able to back date the new plan for July.
We had some medical expenses in June but they totaled about $400 less than the cobra payment.
We are trying to decide if we should just pay June out of pocket but have been told if we go 63 days without coverage we will have a preexisting clause placed on our new policy.
is the 63 day period correct?
This post was edited on 7/3/13 at 5:49 am
5
Posted on 7/3/13 at 6:00 am to mandevilletiger34
quote:
is the 63 day period correct?
Once 60 days pass, your are screwed out of COBRA insurance coverage. Best to back pay until you get new coverage. I know that shite is high, but one emergency case and put you back big time.
Posted on 7/3/13 at 10:37 am to mandevilletiger34
Go back and pay Cobra. AFter 60 days you are ineligible to back pay. It is expensive but it is the smartest option. One bad emergency and you will be begging to have Cobra.
I work for the largest hospital in Lafayette and deal with health insurance regulations daily.
I work for the largest hospital in Lafayette and deal with health insurance regulations daily.
Posted on 7/3/13 at 1:30 pm to ThatsAFactJack
Should I wait to see if approved for my new policy and then decide to go back and pay cobra if I am not approved
Posted on 7/3/13 at 3:20 pm to mandevilletiger34
quote:
mandevilletiger34
quote:
Should I wait to see if approved for my new policy and then decide to go back and pay cobra if I am not approved
Do not let the 60 day window expire waiting on new policy. Make damn sure new policy does not have any exclusions that Cobra would have covered. If it was me, I would just back pay Cobra for peace of mind and not sweat the red tape bs.
Posted on 7/3/13 at 3:45 pm to mandevilletiger34
I was lucky, after deploying, I thought I had free health insurance. I went a year or so without anything. 
Posted on 7/3/13 at 4:31 pm to mandevilletiger34
quote:
We are trying to decide if we should just pay June out of pocket but have been told if we go 63 days without coverage we will have a preexisting clause placed on our new policy.
Aren't preexisting conditions done on Oct 1st with Obamacare or has that been pushed back too?
Posted on 7/3/13 at 11:44 pm to TigerintheNO
Six-Month Look-Back Rule under HIPPA's
portability provisions, a plan or insurer can exclude or limit benefits on prior health conditions only if the individual received medical advice, diagnosis, care or treatment during the six-month period before the new group health plan enrollment date. (Typically enrollment begins the employee's first work day.) For example, if a person with arthritis for several years didn't receive medical advice or treatment for it during the six months before enrolling in his current employer's group health plan, the insurer can't exclude arthritis care from coverage, according to a U.S. Department of Labor fact sheet.
Read more: LINK
portability provisions, a plan or insurer can exclude or limit benefits on prior health conditions only if the individual received medical advice, diagnosis, care or treatment during the six-month period before the new group health plan enrollment date. (Typically enrollment begins the employee's first work day.) For example, if a person with arthritis for several years didn't receive medical advice or treatment for it during the six months before enrolling in his current employer's group health plan, the insurer can't exclude arthritis care from coverage, according to a U.S. Department of Labor fact sheet.
Read more: LINK
Posted on 7/5/13 at 6:01 am to matthew25
that says before a new group enrollment. I am going from group enrollment to single enrollment.
Posted on 7/5/13 at 3:30 pm to TigerintheNO
quote:
Aren't preexisting conditions done on Oct 1st with Obamacare or has that been pushed back too?
Good question. I do know they pushed back the date that companies will have to adhere to Obama care to 2015 because companies were complaining about the complexity of the law.
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