FOUNDING Member / Featured Member / Verified Custo
Kilo Klub Member
- Jun 17, 2002
To make a long story short, my wife lost her job to CV-19 back in June and her new job does not offer health insurance yet. Since I have extensive continual health issues, we had to continue with the Cobra policy from her previous employment; even though it is very expensive. Also we have met the out of pocket maximum for the year, so I have no co-pays, Rx co-pays, or anything more that we have to pay out of pocket for the remainder of the year(or so I thought). Now we find out that her employer is changing to a completely different policy starting November 1st(instead of the beginning of the year like most normal places do). So, we are told that if we want to continue with the Cobra, we have to switch to a Cobra of one of their new policy options instead of continuing on with what we currently have(which does not offer us the same BCBS policy that all my Mayo Transplant docs are on. That makes no sense to me since it would be stupid to start all over with the deductible and out of pocket maximum in November, just to have to start over again 2 months later in January(as well as I need the same docs). In addition, we didn't consider other options back at the end of June, because we thought that it would be more cost effective in the long run considering we had met the out of pocket maximum. Can someone who understands the process explain how the fact that her ex-employer is changing policies then comes back to effect us? I guess I don't understand how once we are approved for Cobra, it has anything further to do with her previous employer.