[quote]18 Months is how long COBRA lasts, and you pay the full premium, and usually a 2% admin fee to the employer/COBRA administrator during that time.

That I cannot answer, I haven't worked out the numbers. Each case by case, I would have to guess.

That's not going to happen with a small employer. There (prior to the monstrosity of a bill passing) are many small employers who have a plan to offer, and that is all. The administration for some on the plan some taking cash would be an additional expense some small business could not afford. Some plans require minimum covered lives to even exist.

If I use aproximately $500 a month in coverage for an existing condition, then my premium should cover that and then some. Group coverage absorbs some of that, depending on how they are rated (age/gender/type).

If a person has a certificate of creditable coverage, the PE condition is a moot subject. It's those that have no coverage to begin with that need the No exclusion of PE.

You have a condition.
You work.
You lose your job.
Chose between eating and paying your COBRA premium.
Lose ONE day of coverage.
You no longer have a certificate of creditable coverage.
You're ****ed.

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"Try and fathom the hypocrisy of a Government that requires every citizen to prove they are insured, but not everyone must prove they are a citizen".

No the "question" does not go away. They continue to refuse whomever for whatever. It didn't used to be that way, but it is now.
I already told you I was even hung up on while trying to get a better policy-and that was before anybody knew I would have to have the surgery. The company husband worked for had changed to a crappier plan that didn't even cover medicine till after the deductible.
Who the hell can afford COBRA? I sure can't. Right now as I type I am avoiding using three of my fingers on the right hand because I have been out of medicine for three days and my hands are going numb. I have an appointment at a reduced price clinic where Nurse Practitioners volunteer. That's tomorrow. Every time I'm out of an inexpensive medication (that I cannot write the prescription for myself-have to have blood test twice a year) it throws me back in my over all health. I am set to go back to work but have to go through this crap first and hope I can function.
I paid for a lot of crap when I was working that benefited people I never knew. Now that I need it I feel I m being thrown under the bus. Young people are especially cruel not wanting to pay into SS. What say we just wait till their generation is due to receive it then we call a halt to it.

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Anyway, no drug, not even alcohol, causes the fundamental ills of society. If we're looking for the source of our troubles, we shouldn't test people for drugs, we should test them for stupidity, ignorance, greed and love of power.

[quote=GottaGo;134623]Yeah, a year and a half to get your affairs in order. You pay the group premium. In my case my former employer paid it for 3 months and then I went on my wife's policy (get married it makes life a lot easier). When I found a new job her policy was better so I stayed on it and my employer reimburses us the cost of that.


It'll be high.


I bet a small employer would love. Give them a tax break for doing so, make it tax free to the employee. Allow insurance across state lines and enhanced MSA's.


You work and you fund your emergency fund so if something does happen you can pay for it. My wife and I keep a nice tidy sum put away for just such instances. We didn't have to touch it this time and in fact ended up with more money in it than before I lost my job and got a new one.

Get better insurance and why do you think government will have a lower rejection percentage?

Which has normal until insurance companies on their own started paying for most medicines.

People who are responsible and save and have their emergency fund in place.

A good reason not to have socialized medicine.

I don't blame them, a good reason not to have socialized retirement.

I fortunately have my emergency fund. But not everybody can, or does. Not everybody is able to get a job with the same benefits as previous employment.

What about the kid flipping burgers at age 18, gets some condition, continues working his way up the employment ladder... no coverage for the PE would knock his feet right out from under him.

I'm not saying coverage for free. Everything has it's price.

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"Try and fathom the hypocrisy of a Government that requires every citizen to prove they are insured, but not everyone must prove they are a citizen".

Luck had nothing to do with it and no they are a small company.

They won't have any, they cut the employee a check every month, and the employee buys their health coverage. And I have run a business with 12 employees.

Priorities...............that is the only reason my wife and I have one.

McDonald's pays health insurance.

I still see no reason to require insurance companies, which are bottom line just you and me who invest our money in them, to pay for preexisting conditions.


Just charging more for the premium, they didn't pay before why would they now especially at that high a cost?

Hey EVERYONE would love to buy things for nothing which is what the bottom line is here. No one wants to pay for their health care because they would rather spend it on other things. They want to pay $100 a month to get $1000 of health care and force someone else to sacrifice the difference.

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Anyway, no drug, not even alcohol, causes the fundamental ills of society. If we're looking for the source of our troubles, we shouldn't test people for drugs, we should test them for stupidity, ignorance, greed and love of power.

You can pay for it out of your pocket. Where has this belief that you can ONLY go to the doctor if you have insurance come from?

I've always felt that insurance should be for MAJOR issues and not some simple surgery or prescription...

Maybe something like a $2000/year deductible...

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"You get the respect that you give" - cnredd

I agree, a policy to cover major medical but pay out of pocket for routine care. Make people shop for doctors and pay for service again, that'll get cost down.