COBRA health insurance

You don’t want to put it off and wait until you’re on Medicare?

Here for the responses. I’m kind of in the same boat. Got laid off this past week and have a knee surgery scheduled for September. I’ve met my deductible on my outgoing plan so COBRA seems to be the way to go.

OP, my thoughts and prayers are with you.

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This is the question: If I 'quit' my job, will I still be able to use COBRA to get this hip replacement done?

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I'm no expert, but your group may be too small to qualify you for COBRA. You had better check that.

My wife is of a certain age, and we use her heatlh insurance. She is close enough to Medicare to quit and COBRA out until then. But remember that you have to pay the ENTIRE premium yourself.

You might want to talk to a lawyer about ADA protections. That might be enough to keep them from firing you.

I had one hip done, and I was able to work within a day or two. But I have a desk job. Recovery from a hip is really not bad.

Good luck. When you head off to the hospital, tell everybody you are going to buy a very expensive joint.

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Why wouldn’t you get the surgery then quit?

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I want to get this approved through my company. Trying to do this the right way.

Juat retire baw. F working.

Get it done under your current insurance. COBRA is ridiculously expensive.

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This is the question: If I 'quit' my job, will I still be able to use COBRA to get this hip replacement done?

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The simple answer to that is YES.

As far as planning goes, keep in mind that most employers pay their insurance premiums at the beginning of a month. Therefore, if you start in a particular month, your coverage is good throughout that last month, even if you quit or are fired.

Then, COBRA will kick in the following month. However, you’ll have 60 days to determine whether or not you want COBRA AFTER they send you your COBRA notice (which is usually over a month later). As I recall, your employer has 60 to 90 days to even send out the COBRA notice. You then have 60 days to determine if you want it. Further, you can take as much or as little COBRA as you want. Therefore, if you only want one month of COBRA, even if you make the decision three or four months later, you still only have to pay for one month. And you’ll already know whether or not you need it for that month.

So, if you’re going to quit, schedule your surgery for something like the 3rd or the 4th of the month and let your boss know on the 1st of the month that you’re gonna be having surgery and will need some time off using as much of your sick time and/or personal time as necessary. This way, if he really wants to be an arse and fire you, at least your surgery and a good part of your rehab will be covered by your last month of "regular" insurance. You may have to pay for one month of COBRA if he fires you, but it’s better than paying for the COBRA to get the surgery and the rehab over two or three months.

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MMauler

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This is what I have been looking 4. Thanks

Get your surgery ASAP with your current job.

Talk to other job and put off starting there until you recover from surgery.

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This is the question: If I 'quit' my job, will I still be able to use COBRA to get this hip replacement done?

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If you're okay with leaving the job regardless, tell your boss to screw himself, get the surgery under BCBS and if he fires you for it, oh well. You were prepared to quit anyways, but at least this way the surgery would be covered.