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Message
May be getting a new job soon....health ins question
Posted on 4/12/15 at 4:29 am
Posted on 4/12/15 at 4:29 am
I have three kids and want to make sure I don't lose coverage for them. Isn't there normally a waiting period of some sort before being eligible for a plan? I'm sure I could wait until I get my official offer and ask the company, but I'm a bit nervous and curious about this issue now. TIA. 
8
Posted on 4/12/15 at 4:36 am to LSUPhreaK
Depends on your company. At mine, there is a 90 day waiting period. COBRA may be an option until you become eligible.
Posted on 4/12/15 at 4:37 am to Will Cover
quote:
Depends on your company. At mine, there is a 90 day waiting period. COBRA may be an option until you become eligible.
This for sure.
Posted on 4/12/15 at 6:27 am to LSUPhreaK
COBRA for sure. Same insurance you currently have- but it is full price.
Make sure you call and cancel as soon as your new ins starts though
Make sure you call and cancel as soon as your new ins starts though
Posted on 4/12/15 at 6:53 am to LSUPhreaK
Check with your new company first. When I started with my company 2 years ago the insurance started day 1. Most companies start newbies day 1 unless you are working as a contractor. Contractors usually have the 90 day deal.
Posted on 4/12/15 at 7:30 am to LSUPhreaK
quote:
three kids and want to make sure I don't lose coverage for them
Don't worry obama care covers all for free.
Posted on 4/12/15 at 8:02 am to LSUPhreaK
That is usually up to the company whether or not you have to wait or get insurance from day one.
Posted on 4/12/15 at 8:15 am to Will Cover
quote:
Depends on your company. At mine, there is a 90 day waiting period. COBRA may be an option until you become eligible.
This plus you don't pay for cobra unless you need it
Posted on 4/12/15 at 8:33 am to LSUPhreaK
As stated just depends, here coverage starts same day as hire.
Posted on 4/12/15 at 8:37 am to yellowfin
You get a 60 or 90 day window for cobra (forget which) in which you don't pay unless you need it. It's a flaw/loophole in the COBRA law.
Posted on 4/12/15 at 8:47 am to Overbrook
61 days
Posted on 4/12/15 at 8:51 am to LSUPhreaK
Every company I've ever worked for had insurance start either Day 1 or the 1st of the month. Also, insurance from the company I was leaving usually lasted until the end of the month.
Definitely ask when you get the offer.
Definitely ask when you get the offer.
Posted on 4/12/15 at 9:42 am to 1984Tiger
Thanks, all.
Posted on 4/12/15 at 10:17 am to LSUPhreaK
Depending on your new company's measurement and administration periods, you MAY be eligible as soon as the first of the month after the date of your first day.
Generally, companies will make you wait 90 days for insurance to kick in... But there's no law that says they can make you eligible from day 1.
Generally, companies will make you wait 90 days for insurance to kick in... But there's no law that says they can make you eligible from day 1.
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