Have you ever had to pay for COBRA? I have. COBRA is very expensive. You are paying your employer's entire cost for the medical benefit at the group rate. I worked for a health insurance company, so I understand the health insurance cost process, increases needed, etc. I am out of work on permanent disability as a result of a medical issue, so I know I am a heavy utilizer (no pun intended). I get it -- I cost money. I contributed to the rate increases that the employer experienced.
I am also very thankful that the President of our United States saw fit to extend the COBRA rate differential so that I have a subsidy to my COBRA rate and that I only pay 35% of the amount. Instead of around $1,100 a month, I am only paying approximately $430 a month. This will save me approximately $16,000 ($26,200-$10,300) over the 24 month period I will be forced to carry COBRA before I would be eligible for Medicare (assuming I get my disability).
Anyway, the reason for my post? I have paid for my COBRA -- 2 months - and it still isn't active! That and I have paid for a generic drug -- 10 day supply (9 days ago) $192.99. I have 2 pills left, no active drug coverage, and facing another charge to get more pills. This should have been $10 for a 3 month supply..........! I could go on to tell you the back and forth mess I have been running to get this fixed, but why? You know I haven't been sitting still, but obviously, I have been spinning my wheels -- due to no fault of my own.
Off to fight some metaphorical dragons and hopefully save another $200 dollars which ya'll know will take forever to get back. Smilles, grins, bears it and says this too shall pays.......... oops pass........lol (seriously I read that on editing......pays .........rofl!!!!)
Oh, you forgot to mention where do they get the term COBRA.
ReplyDelete