Bunny Donating Member (1000+ posts) Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Jan-22-11 08:20 PM
Original message
I got the first COBRA bill today for my daughter.
$600.13, due Feb. 1. She turned 19 and because she's not enrolled in college, she's being dropped from my insurance. My company's plan renews on July 1, and she can go back on my benefits then. But for the next five months, we've got to cough up that money to keep her covered. Those Dems in the Senate better not let HCR get repealed.
That's about how much my bill was when my daughter was born after insurance paid their portion. Payment plans are your friend, Bunny. We paid $100 every month, interest free, for six months. Paid the bill off without whining on a message board about it.
That's about how much my bill was when my daughter was born after insurance paid their portion. Payment plans are your friend, Bunny. We paid $100 every month, interest free, for six months. Paid the bill off without whining on a message board about it.
That would be the monthly premium, and they would never take a payment plan. She isn't in college then she needs to get a job with benefits (and pay mom and dad rent).
Ya know .. the DUmmies act like it is imperative to have insurance. I went for years when I was young without insurance. I just paid for what little medical I needed with cash.Exactly. I didn't have insurance until after I had my fourth child. And no one died... ::) ::)
Unless they have some kind of preexisting condition I just don't see young healthy folks really needing it.
KC
Indeed. :cheersmate:
And another point. The current HCR that went into effect 1/1 covers children up to age 26 (which I think is bull shite), so.... :bouncy:
Ya know .. the DUmmies act like it is imperative to have insurance. I went for years when I was young without insurance. I just paid for what little medical I needed with cash.
Unless they have some kind of preexisting condition I just don't see young healthy folks really needing it.
KC
It better to get it while you healthy then need it when your not. Just because a person is young and healthy does not mean they will be in a month. I know it's a long shot but it'd be worth it for that reason alone.
It better to get it while you healthy then need it when your not. Just because a person is young and healthy does not mean they will be in a month. I know it's a long shot but it'd be worth it for that reason alone.
It better to get it while you healthy then need it when your not. Just because a person is young and healthy does not mean they will be in a month. I know it's a long shot but it'd be worth it for that reason alone.
Says the person who thinks they are getting "free" health care in Canada.
Says the person who thinks they are getting "free" health care in Canada.
I don't think it's "free", I just don't pay in the hospital. I have no issues paying through my tax for the health care I get.
I'm 52, and don't have insurance NOW, haven't for the last 8 years. I go to the free clinic if I need to see a doctor, generic meds are $4/month.
I've paid more on insurance premiums in my life than I have spent on doctor/hospital care.
Don't think I haven't needed to go to a hospital now and then. I've got the scars to prove otherwise.
That would be the monthly premium, and they would never take a payment plan. She isn't in college then she needs to get a job with benefits (and pay mom and dad rent).
It better to get it while you healthy then need it when your not. Just because a person is young and healthy does not mean they will be in a month. I know it's a long shot but it'd be worth it for that reason alone.
I never saw the inside of doctors office after movin' out on my own until I was 45. Except for the few times I needed stitches and the time I got run over by a MoonBat on my scooter, I never needed no damn insurance! Even then, it was either an on the job injury or was paid for by the stooooopid bitch that ran me over! That was a long shot i was willin' to take! Saved me thousands of dollars that I used to raise my family!
I don't think it's "free", I just don't pay in the hospital. I have no issues paying through my tax for the health care I get.
Indeed. :cheersmate:
And another point. The current HCR that went into effect 1/1 covers children up to age 26 (which I think is bull shite), so.... :bouncy:
How can the kid be on COBRA if the parent is working and covered under a benefit plan. Something doesn't make sense about that DUmmies story.
How can the kid be on COBRA if the parent is working and covered under a benefit plan. Something doesn't make sense about that DUmmies story.
If it $600+/month than that is some CADILLAC INSURANCE for someone 19 or the young lady has used the health care services of our nation quite a bit. I can see a six month premium for a 19 year old for six months at $600+. I have never had a COBRA situation but my understanding is it is the same coverage as what you had before being laid off. The difference being there is no employer contribution. You are still in the same group coverage as before. My guess is the OP DUchebag is on the government teat and that is why it could be so high but most likely this is a total bouncy as one of the few provisions that came into effect was the 26 year old child rule.Actually, COBRA really is that expensive. When I switched jobs a few years back, there was a 90 day wait to get insurance. I didn't really worry about it because my understanding of COBRA is that you have 6 months to opt in...so if something catastrophic happened and it was needed, I'd have opted in. But I was quoted close to $700 a month for it, and that was nearly 10 years ago. And that was no cadillac healthcare plan. I had $1000 deductible, no prescription coverage, no co-pays at doctor's offices...pretty basic coverage.
If it $600+/month than that is some CADILLAC INSURANCE for someone 19 or the young lady has used the health care services of our nation quite a bit. I can see a six month premium for a 19 year old for six months at $600+. I have never had a COBRA situation but my understanding is it is the same coverage as what you had before being laid off. The difference being there is no employer contribution. You are still in the same group coverage as before. My guess is the OP DUchebag is on the government teat and that is why it could be so high but most likely this is a total bouncy as one of the few provisions that came into effect was the 26 year old child rule.
Actually $600 is cheap. It is far more expensive than that.You got that right. I know a single girl who just got out of grad school, not yet covered by an employer's group plan, who pays $1300/month. COBRA premiums are much lower because you're getting the advantage of the group rate.
http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=439x252811
Don't worry none, Harry Reid has your back. :-)
Any bets that in July we see a post that she can't afford to put the daughter back on her insurance?
A DUmmy has no need for COBRA insurance if he just stays away from snakes.
Why in the heck didn't this DUmmie go shopping on the free market, or what's left of it, and find a much cheaper insurance policy? When our daughter turned 19 she wasn't going to college and wasn't covered on hubby's then active duty Tricare health insurance so we got her a $68 a month fairly comprehensive, fairly low co-pay, policy which she had until she turned 23 and became a federal employee with government insurance. Granted the monthly charge went from $68 to $120 in those 4 years, but still, who would use COBRA if they could get covered cheaper elsewhere? I must be missing something here. :???:
llimiami Donating Member (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Jan-22-11 08:31 PM
Response to Original message
4. If she is healthy an individual private policy should be much less.
We had our 21 yo daughter insured through Humana for around 200.00/mo for a couple of years.
Thanks to HCR she is now on my work policy.
Bunny Donating Member (1000+ posts) Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sun Jan-23-11 08:57 AM
Response to Reply #4
14. We looked at plans like that, but the deductibles and co-pays were
Edited on Sun Jan-23-11 09:02 AM by Bunny
insanely high. Like, thousands of dollars high, whereas my company COBRA has no deductibles, $15 co-pays, prescriptions for $10 and $20, and pretty much every doctor and facility in Western PA is in the network. So, we decided to go with the COBRA. But we can only afford the $600/month for a limited time, not indefinitely, and she needs to be able to go back on my plan in July.
Which is why the Dems better stand up to the Republicans and not let them repeal HCR.
Statistical Donating Member (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sun Jan-23-11 12:13 PM
Response to Reply #14
28. Another way to look at it is.
The private insurance would just be for catastrophic event.
Say you could get private insurance for $200 per month. You are saving $400 per month. Over 6 months that is $2400. If she just needs a doctor's visit, or some meds she can just pay out of the deductible (w/ $2400 you saved). If something catastrophic happens she still has the coverage.
It's a bouncy, and a real bad one at that! He/She/It should owe us bongs on this one, but I don't know what we would do with 'em!
AR, I'm ashamed at you.
Bait for bail jumpers, man! :thatsright: ::) :tongue:
If it $600+/month than that is some CADILLAC INSURANCE for someone 19 or the young lady has used the health care services of our nation quite a bit. I can see a six month premium for a 19 year old for six months at $600+. I have never had a COBRA situation but my understanding is it is the same coverage as what you had before being laid off. The difference being there is no employer contribution. You are still in the same group coverage as before. My guess is the OP DUchebag is on the government teat and that is why it could be so high but most likely this is a total bouncy as one of the few provisions that came into effect was the 26 year old child rule.Not necessarily...on the federal plans I've seen(and they can be searched on line) minus their 70% contribution(depending on the plan) can range from 300 a month to 1000 a month. 600 falls about in the middle. Her parents possibly had the best insurance plan offered by their employer. Someone in their middle ages with a grown child would be expected to have the kind of income to support the best insurance plan at their employer. I also just got the bill for cobra from my previous employer--small business--and it was around 600 too(smaller pool of people so probably higher premium). Lots' of things to consider into figuring what went into that figure.
Well, LAST year, depending on the state, and the companies choice of insurance plan, fully insured vs. self insured, a child would be dropped at whatever the age limit is, and then be offered COBRA, for 36 months. But, after HCR, effective 1/1 all children are covered up to age 26, regardless of their own employment and marital status. Which means, they can work and be married, but Mom and Dad can still pick up their insurance tab.
ETA: Yup, just like CR said it.
Seriously? So married ADULTS--big and grown up enough to say vows to one another and place themselves in a position to pro-create and do all those other things adult married couples do can still be covered by mommy and daddy's insurance :thatsright:? Wow, I'm really...speechless...wow. :thatsright:
Not necessarily...on the federal plans I've seen(and they can be searched on line) minus their 70% contribution(depending on the plan) can range from 300 a month to 1000 a month. 600 falls about in the middle. Her parents possibly had the best insurance plan offered by their employer. Someone in their middle ages with a grown child would be expected to have the kind of income to support the best insurance plan at their employer. I also just got the bill for cobra from my previous employer--small business--and it was around 600 too(smaller pool of people so probably higher premium). Lots' of things to consider into figuring what went into that figure.
But you bring up a good point. My 60 year old mother was self-insured for a few years and paid about 400 a month. At 19, her parents could probably find her a better plan on their own for 1/2 that price.
Seriously? So married ADULTS--big and grown up enough to say vows to one another and place themselves in a position to pro-create and do all those other things adult married couples do can still be covered by mommy and daddy's insurance :thatsright:? Wow, I'm really...speechless...wow. :thatsright:And the best thing is, our premiums will go up to help pay for theirs!
Bunny Donating Member (1000+ posts) Journal Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list Sat Jan-22-11 08:20 PM
Original message
I got the first COBRA bill today for my daughter. $600.13, due Feb. 1. She turned 19 and because she's not enrolled in college, she's being dropped from my insurance. My company's plan renews on July 1, and she can go back on my benefits then. But for the next five months, we've got to cough up that money to keep her covered. Those Dems in the Senate better not let HCR get repealed.
Don't worry none, Harry Reid has your back. :-)HA! :lmao: That's epic.
Any bets that in July we see a post that she can't afford to put the daughter back on her insurance?
I was in the Home Depot pool and mine was still $500!!!!! Ya'd think I could a gotta better deal than that! HD has thousands, if not tens of thousands of employees! Not a chance I could afford that on unemployment!
Don't know if it is true, but I was told before ObwanaCare it was only $283!
And the best thing is, our premiums will go up to help pay for theirs!
Thanks to the Kenyan and his flunkies, it takes a village to raise a child to middle age.
Really, the whole concept of covering married adults floors me. :thatsright: