COBRA ?s

My wife is the primary holder of our insurance which is provided through her employer. She has found a new job and her employment ends on Friday Nov 12th. According to her documentation, her insurance will go inactive at midnight on the day of her termination (12th). The employer sends termination documentation to the 3rd party who handles the COBRA enrollment on the 15th and 30th of each month. We can hope that it will be sent on Monday the 15th but it might not happen until the 30th. It looks like the monthly COBRA rate for employee + family is $1685

I suffered an elbow fracture a month ago that required surgery, plates/screws and physical therapy. Through this, I’ve met my deductible and out of pocket max for the year. I start physical therapy on Friday Nov 12th and will need to attend 3 times a week for 4-6 weeks. The hardware installed in my arm has caused major ROM issues. If the physical therapy is unable to resolve this (which im told is the most likely outcome) I will need the hardware removed after it is fully headed in the early part of 2022.

New insurance through new employer will kick in on Jan 15 2022 (60 days after employment).

Is COBRA for the rest of 2021 our best option considering my deductible and out of pocket max has been met and im required to attend physical therapy for the remainder of the year?

What happens when I show up to physical therapy (or any other appointments) during the time we are in limbo with the COBRA paperwork? Do I have to pay out of pocket until we’ve officially elected and paid for COBRA?

Insurance deductions have already been pulled out of her paychecks in November. Does that matter? Does that mean the monthly COBRA premium cover sme from 11/13-12/13 and then from 12/14-1/14? Or am I paying $1685 for the last half of November and then another $1685 for December?

If/When I get to the point where we do need to get this elbow hardware removed, I will be on the new insurance plan. Could I run into any pre-existing condition issues there that I need to consider?

submitted by /u/xxjgxx1
[link] [comments]My wife is the primary holder of our insurance which is provided through her employer. She has found a new job and her employment ends on Friday Nov 12th. According to her documentation, her insurance will go inactive at midnight on the day of her termination (12th). The employer sends termination documentation to the 3rd party who handles the COBRA enrollment on the 15th and 30th of each month. We can hope that it will be sent on Monday the 15th but it might not happen until the 30th. It looks like the monthly COBRA rate for employee + family is $1685 I suffered an elbow fracture a month ago that required surgery, plates/screws and physical therapy. Through this, I’ve met my deductible and out of pocket max for the year. I start physical therapy on Friday Nov 12th and will need to attend 3 times a week for 4-6 weeks. The hardware installed in my arm has caused major ROM issues. If the physical therapy is unable to resolve this (which im told is the most likely outcome) I will need the hardware removed after it is fully headed in the early part of 2022. New insurance through new employer will kick in on Jan 15 2022 (60 days after employment). Is COBRA for the rest of 2021 our best option considering my deductible and out of pocket max has been met and im required to attend physical therapy for the remainder of the year? What happens when I show up to physical therapy (or any other appointments) during the time we are in limbo with the COBRA paperwork? Do I have to pay out of pocket until we’ve officially elected and paid for COBRA? Insurance deductions have already been pulled out of her paychecks in November. Does that matter? Does that mean the monthly COBRA premium cover sme from 11/13-12/13 and then from 12/14-1/14? Or am I paying $1685 for the last half of November and then another $1685 for December? If/When I get to the point where we do need to get this elbow hardware removed, I will be on the new insurance plan. Could I run into any pre-existing condition issues there that I need to consider? submitted by /u/xxjgxx1 [link] [comments]Read Morer/HealthInsurance

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