Options other than COBRA?

GoldenEagle · 06-30-2008, 12:33 PM

I recently changed jobs, which if you want to know all the details you can click here.

The downside of the new job is my health benefits do not kick in until September 1. I can pick up the COBRA plan for $700 for two months, which I really do not want to pay. I googled for health insurance bridge policies and had no luck.

I am very healthy, will need no prescriptions during the time, and just basically need something to cover me in the event of a catastrophe. It seems I found a website in the past that had plans for ~$100, but I can't locate it again.

Lathum · 06-30-2008, 12:42 PM

I say don't fuck around.

One trip to the ER if you cut your hand slicing onions will cost far more then $700

As for other plans I have no idea.

albionmoonlight · 06-30-2008, 12:42 PM

http://www.insure.com/articles/healt...nce/cobra.html

Quote:

You, your spouse, and children have 60 days to decide whether to buy COBRA. This election period is counted from the date your eligibility notification is sent to you, or the date that you lost your health coverage, or the date of the qualifying event, whichever is later. Your COBRA coverage will be retroactive to the date that you lost your benefits (as long as you pay the premium).

During the election period when you have to choose whether to buy COBRA, you might initially decide not to, which means you waive your right to coverage. However, as long as the election period hasn't expired, you can change your mind and revoke your waiver, and COBRA coverage would then start on the day the waiver was revoked. Bear in mind that if you visit a doctor during the period you initially waived COBRA, you will not be reimbursed for that claim even if you later decide to buy COBRA. In this case, COBRA is not retroactive to the date you lost your employer-sponsored plan.

Conversely, even if you enroll in COBRA on the last day that you are eligible, your coverage is retroactive to the date you lost your job, provided you pay all the retroactive premiums.

Mustang · 06-30-2008, 12:43 PM

If you are looking for options other than COBRA, I would suggest the Misfits, V.E.N.O.M, Decepticons or The Mob.

Honolulu_Blue · 06-30-2008, 01:24 PM

Quote:

Originally Posted by Lathum

I say don't fuck around.

One trip to the ER if you cut your hand slicing onions will cost far more then $700

As for other plans I have no idea.

True. I got bit my wife's cousin's dog a few months back. A trip to the E.R. and 8 stitches cost just over $1,000.

RendeR · 06-30-2008, 01:38 PM

Check Cinergy(sp?) health, I believe they offer individualized plans.

DaddyTorgo · 06-30-2008, 06:49 PM

what albion says about cobra is true and is great!

Poli · 06-30-2008, 09:45 PM

daedalus · 07-01-2008, 12:03 AM

Quote:

Originally Posted by Mustang

If you are looking for options other than COBRA, I would suggest the Misfits, V.E.N.O.M, Decepticons or The Mob.

damn you. i was going to go with GI joe.

JeeberD · 07-01-2008, 08:51 AM

Quote:

Originally Posted by albionmoonlight

http://www.insure.com/articles/healt...nce/cobra.html

[/b]

The part that catches my eye, though, is this...

Quote:

Bear in mind that if you visit a doctor during the period you initially waived COBRA, you will not be reimbursed for that claim even if you later decide to buy COBRA. In this case, COBRA is not retroactive to the date you lost your employer-sponsored plan.

If he has some sort of emergency and has to go to the doc before he can enroll, he's still screwed.

Radii · 07-01-2008, 11:59 AM

http://www.ehealthinsurance.com/ehi/...h-insurance.ds

You can go for a short term plan with a high deductible, basically taking a risk that you won't end up in an accident. It seems there are some plans that would cost you around $100 for a couple months that basically have a $2500 or $5000 deductible and full or close to full coverage after that. That kind of thing is pretty much up to your level of risk aversion. Most likely you spend $100 and are fine, if you do end up in an accident or something with a $25,000 hospital bill, then you have enough coverage to mitigate the outrageous costs and just have to pay your $2500 or $5000 deductible.

I should point out I've never used one of these plans and don't know anyone who has, but that I have heard of them more than a few times having worked in health care technology. They're not scams, they're just really only to mitigate the potential extreme cost of emergencies, not any sort of routine care.

sterlingice · 07-01-2008, 06:38 PM

FYI: I could have sworn I made the Cobra joke last time this came up and I was right

http://operationsports.com/fofc/show...0&postcount=25

SI

06-30-2008, 12:43 PM	#4
Mustang Grizzled Veteran Join Date: Oct 2000 Location: Wisconsin	If you are looking for options other than COBRA, I would suggest the Misfits, V.E.N.O.M, Decepticons or The Mob. __________________ You, you will regret what you have done this day. I will make you regret ever being born. Your going to wish you never left your mothers womb, where it was warm and safe... and wet. i am going to show you pain you never knew existed, you are going to see a whole new spectrum of pain, like a Rainboooow. But! This rainbow is not just like any other rainbow, its...

06-30-2008, 01:38 PM	#6
RendeR Coordinator Join Date: Aug 2001 Location: Buffalo, NY	Check Cinergy(sp?) health, I believe they offer individualized plans. __________________ http://wotlabs.net/s...8/signature.png http://wotlabs.net/sig_dark/na/banichi18/signature.png

06-30-2008, 06:49 PM	#7
DaddyTorgo Hall Of Famer Join Date: Oct 2002 Location: Massachusetts	what albion says about cobra is true and is great! __________________ Get bent whoever hacked my pw and changed my signature.

06-30-2008, 09:45 PM	#8
Poli FOFC Survivor Join Date: Apr 2002 Location: Wentzville, MO	__________________ Cheer for a walk on quarterback! Ardent leads the Vols in the dynasty forum.

07-01-2008, 06:38 PM	#12
sterlingice Hall Of Famer Join Date: Apr 2002 Location: Back in Houston!	FYI: I could have sworn I made the Cobra joke last time this came up and I was right http://operationsports.com/fofc/show...0&postcount=25 SI __________________ Houston Hippopotami, III.3: 20th Anniversary Thread - All former HT players are encouraged to check it out! Janos: "Only America could produce an imbecile of your caliber!" Freakazoid: "That's because we make lots of things better than other people!"

06-30-2008, 12:42 PM	#2
Lathum Favored Bitch #1 Join Date: Dec 2001 Location: homeless in NJ	I say don't fuck around. One trip to the ER if you cut your hand slicing onions will cost far more then $700 As for other plans I have no idea.

07-01-2008, 11:59 AM	#11
Radii Head Coach Join Date: Jul 2001	http://www.ehealthinsurance.com/ehi/...h-insurance.ds You can go for a short term plan with a high deductible, basically taking a risk that you won't end up in an accident. It seems there are some plans that would cost you around $100 for a couple months that basically have a $2500 or $5000 deductible and full or close to full coverage after that. That kind of thing is pretty much up to your level of risk aversion. Most likely you spend $100 and are fine, if you do end up in an accident or something with a $25,000 hospital bill, then you have enough coverage to mitigate the outrageous costs and just have to pay your $2500 or $5000 deductible. I should point out I've never used one of these plans and don't know anyone who has, but that I have heard of them more than a few times having worked in health care technology. They're not scams, they're just really only to mitigate the potential extreme cost of emergencies, not any sort of routine care.

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