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Re: Insurance prob---To COBRA or not to COBRA

Posted by stjames on September 23, 2000, at 16:35:06

In reply to Insurance prob---To COBRA or not to COBRA, posted by shar on September 23, 2000, at 14:08:08

> Since losing my job, I have the option of keeping up my group insurance at a mere $250 per month (that is a LOT of money to me right now). My meds are about that much if I pay for them out of pocket.
>

James here.....

I have been on COBRA since 1995, I pay $425/month
so it could be worse ! I would say do the COBRA at least short term, stock up on meds, get any tests done, ect. Use http://www.needymeds.com/
to get your meds for free. See if you doc will double your doseages till you can get free meds, some will do this. Find out how much your
doc will charge to see privately and how often you will have to see him/her. Maybe they will let you go longer between visits if you are paying full price. Some states have an insurance pool where you can get low cost ins. Ask your doc about this.

The issue here is "pre-existing conditions" and you really can't get around this till you get another job w/ins, then they have to take you, warts and all. The cobra means "pre-existing conditions" are not an issue.

It kind of sounds like no COBRA, $250/mo for meds or Cobra for $250, plus small copay so why not keep it short term till you can rework things and see if you can save $.

james


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poster:stjames thread:45129
URL: http://www.dr-bob.org/babble/20000905/msgs/45138.html