Spouse was furloughed then fired in 2020, so we are new to marketplace. I need a second opinion on our available insurance options outside of OE. Details in post.

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March 2020: Spouse is WFH due to Covid.

April 2020: Spouse furloughed, and advised not to access any company programs, including email.

May 2020: employer-provided benefits (BCBS) are terminated. Cobra info is sent via company email, which spouse doesn’t receive. No mailed notices are received.

July 2020: Cobra eligibility expires (unknown to spouse at the time)

Nov 15, 2020: Spouse position is eliminated, and severance package received. Health insurance policy no longer available, per paperwork.

(By the time we figured out the insurance lapse, we’re already past OE. Spouse and I aren’t totally stupid, we’ve just received employer-provided health insurance for the last 20 years, so we are clueless to marketplace. You can purchase an insurance policy for your car or your house at any time, so why not your health??? I digress…)

BCBS advised we are not eligible for QLE, so our only option is a short-term policy, which will cost approx $800/month for our family of 3, will provide max benefits of $2M for major medical, but will not cover any pre-existing conditions (so we’re still out of pocket for hub’s insulin and endocrinologist). Coverage begins 2/1/21.

US Health (UHC) explained we can get a much more comprehensive policy, including vision and dental, with no referrals needed for specialists, for $912/month for our family of 3, with max benefits of $300k per person. Coverage can begin immediately.

My husband’s termination date is within the past 60 days, so does anyone have advice on how to push that for a QLE? Or are we screwed because of the earlier Cobra deadline?

Also, any advice between the two policies? I’ve applied for both, and will pursue the best option. I absolutely plan to revisit insurance options during OE in Nov 2021, so I’m looking for advice for the best policy for right now.

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March 2020: Spouse is WFH due to Covid. April 2020: Spouse furloughed, and advised not to access any company programs, including email. May 2020: employer-provided benefits (BCBS) are terminated. Cobra info is sent via company email, which spouse doesn’t receive. No mailed notices are received. July 2020: Cobra eligibility expires (unknown to spouse at the time) Nov 15, 2020: Spouse position is eliminated, and severance package received. Health insurance policy no longer available, per paperwork. (By the time we figured out the insurance lapse, we’re already past OE. Spouse and I aren’t totally stupid, we’ve just received employer-provided health insurance for the last 20 years, so we are clueless to marketplace. You can purchase an insurance policy for your car or your house at any time, so why not your health??? I digress…) BCBS advised we are not eligible for QLE, so our only option is a short-term policy, which will cost approx $800/month for our family of 3, will provide max benefits of $2M for major medical, but will not cover any pre-existing conditions (so we’re still out of pocket for hub’s insulin and endocrinologist). Coverage begins 2/1/21. US Health (UHC) explained we can get a much more comprehensive policy, including vision and dental, with no referrals needed for specialists, for $912/month for our family of 3, with max benefits of $300k per person. Coverage can begin immediately. My husband’s termination date is within the past 60 days, so does anyone have advice on how to push that for a QLE? Or are we screwed because of the earlier Cobra deadline? Also, any advice between the two policies? I’ve applied for both, and will pursue the best option. I absolutely plan to revisit insurance options during OE in Nov 2021, so I’m looking for advice for the best policy for right now.
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