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 Posted: Fri Jul 23, 2010 9:25 pm Post subject: cobra insurance |
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| connexis (my Cobra provider) told me I had no insurrance due to open enrollment at my privious employer and would half to wait to submitt purscription! this went on for a month. no one told me to pay out of pocket and then be re-inburst. they have all conversations taped. they wont send them too me. they Know there reps. miss lead me. Of coarse they made me pay my primuim for the time they told me I was not covered! How can I get some satisfaction? |
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Jonniesweeet
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Joined: 23 Jul 2010
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| Posted: Sat Jul 24, 2010 11:07 pm Post subject: |
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Kind of hard for me to understand your post...were you uninsured during the time you purchased this script?
You can file a complaint with your states Dept of Ins, they all have websites, most that I've seen have the complaint forms right on the site..
| Quote: | | they have all conversations taped. they wont send them too me. they Know there reps. miss lead me |
They don't have to release these without a court order, the taped conversation is THEIR property. I'd be willing to bet the conversation doesn't show them mis-leading you. Not that there (clearly) wasn't a misunderstanding. Contact your states DOI, they will give them a transcript.
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Lori
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| Posted: Tue Jul 27, 2010 12:48 am Post subject: |
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| Quote: | | connexis (my Cobra provider) told me I had no insurrance due to open enrollment at my privious employer |
This makes no real sense. When you are continuing your health insurance under COBRA ("Cobra" is not an insurance company or type of insurance), your coverage is continuous from the date of your qualifying event, as long as you apply and begin paying the required premium within 60 days of that event.
If your former employer is changing insurance companies, which they have the right to do, your coverage will be continuous from Company A to Company B, as long as you fill out any required paperwork and continue to pay the required premium.
There is no suspension of coverage just because the employer is conducting open enrollment -- in fact, most "open enrollments" end at least 30 days before any change of carriers occurs so that there is sufficient time to get membership cards or other documentation to the insured and their employees. So that's why I said the gobbledygook you posted about open enrollment and no insurance makes no sense.
| Quote: | | this went on for a month. no one told me to pay out of pocket and then be re-inburst. |
If you had expenses that should have been covered by your insurance, and you paid them out of pocket, you are entitled to be reimbursed. If you delayed treatment or filling a prescription because you didn't understand how the insurance works, that's your problem, not theirs, not your former employer's. Information about that is normally found in your benefits booklet, an outline of coverage, or on the insurance company's website.
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MaxHerr
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Location: Pomona CA
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| Posted: Fri Sep 17, 2010 9:30 am Post subject: |
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| Quote: | | If you had expenses that should have been covered by your insurance, and you paid them out of pocket, you are entitled to be reimbursed. |
That's quite true, but you need to keep all documents handy. You may need to produce copies of these documents along with your claim form. I had a health claim some time back wherein I probably needed to attach a medical certificate signed by my doctor. |
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CollinJ77
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