So, I travel for work – while I am a W2 employee, the nature of my work is short-term contracts in various locations. I am a Texas resident, the company I work for is based out of Arkansas. The last contract I worked was in New Mexico.
This causes part of my headache.
My last contract ended in early December. My company allows a 30 day time period “off” with benefits extended throughout… If you already have the next short-term contract in place. I knew I wouldn’t meet that requirement. I tried to get COBRA set up before hand, and got a run around of “oh, you’ll get it ASAP once you’re in the gap” and “someone in benefits will reach out to you.”
I went to doctors appointments (which I was assured was okay and covered by the benefits team…) Only to now get full surprise bills because… Surprise, they terminated my coverage on the last date I worked!
I FINALLY got COBRA set up today. But the COBRA team says I wasn’t eligible until 1/1/21, because by Texas law (I believe senate bill 51), my coverage HAD to extend to the end of the month.
This hasn’t prevented my insurance company from reporting my coverage as inactive on the last date I worked, and refusing to talk to me about the bills.
At this point, I want to report someone. But… Should my insurance have been extended by Texas law, or did they just massively drop the ball on my COBRA? Everyone involved seems to have s different opinion. But which is right, and what should I do?
TL;DR: insurance is claiming I should have coverage dropped early December (last day worked), COBRA rep says I’m not even eligible to pay for COBRA coverage before 1/1/21 because insurance should’ve been extended by Texas law as I am a resident… But my last work was in NM and the company is based in AR, which muddies the picture. So who is wrong, and how do I put my foot down?
submitted by /u/apatheticgraffiti
[link] [comments]So, I travel for work – while I am a W2 employee, the nature of my work is short-term contracts in various locations. I am a Texas resident, the company I work for is based out of Arkansas. The last contract I worked was in New Mexico. This causes part of my headache. My last contract ended in early December. My company allows a 30 day time period “off” with benefits extended throughout… If you already have the next short-term contract in place. I knew I wouldn’t meet that requirement. I tried to get COBRA set up before hand, and got a run around of “oh, you’ll get it ASAP once you’re in the gap” and “someone in benefits will reach out to you.” I went to doctors appointments (which I was assured was okay and covered by the benefits team…) Only to now get full surprise bills because… Surprise, they terminated my coverage on the last date I worked! I FINALLY got COBRA set up today. But the COBRA team says I wasn’t eligible until 1/1/21, because by Texas law (I believe senate bill 51), my coverage HAD to extend to the end of the month. This hasn’t prevented my insurance company from reporting my coverage as inactive on the last date I worked, and refusing to talk to me about the bills. At this point, I want to report someone. But… Should my insurance have been extended by Texas law, or did they just massively drop the ball on my COBRA? Everyone involved seems to have s different opinion. But which is right, and what should I do? TL;DR: insurance is claiming I should have coverage dropped early December (last day worked), COBRA rep says I’m not even eligible to pay for COBRA coverage before 1/1/21 because insurance should’ve been extended by Texas law as I am a resident… But my last work was in NM and the company is based in AR, which muddies the picture. So who is wrong, and how do I put my foot down? submitted by /u/apatheticgraffiti [link] [comments]Read Morer/HealthInsurance