Health Insurance, WHEW
Aug. 17th, 2012 02:23 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
susandennisSo finally I got the COBRA info today. It was an 8 page letter written in a style guaranteed to obscure any needed information. It noted in several places that as of 7/31/2012 I have no health insurance coverage.
I freaked out a little bit. Well, that's not true. I went nuts! I called the administrator who sent the letter and left a rather incoherent, freaked out voice mail message.
Then I read the thing over and over again and did some research while I waited. The dental coverage is $55 a month. I have no intention of going to the dentist but I looked up the benefits any way and while they, too do not seem keen on your really understanding their offerings, I was able to figure out that $1500 was the max coverage. Fuck that. Vision insurance is $9 a month and I sure don't need that.
So my COBRA payment is going to be $368.78 a month.
I called the administrator back and this time got a person who was just one of the nicest, kindest people I've ever dealt with. She said they were a tiny operation and for the next 18 months, she's there for any and all questions I have. She checked right then and found that 1. I'm still covered, no problem. 2. There is already a note attached to my file that my boss will make the 8/1 and 9/1 payments. 3. So my first payment isn't til October.
She's perfectly fine with my setting up autopay from my bank.
I knew I was worried but until I talked to her and knew that everything was fine AND I have a wonderful resource at my beck and call for the next 18 months, I honestly had no idea how worried I was. The relief is enormous.
I freaked out a little bit. Well, that's not true. I went nuts! I called the administrator who sent the letter and left a rather incoherent, freaked out voice mail message.
Then I read the thing over and over again and did some research while I waited. The dental coverage is $55 a month. I have no intention of going to the dentist but I looked up the benefits any way and while they, too do not seem keen on your really understanding their offerings, I was able to figure out that $1500 was the max coverage. Fuck that. Vision insurance is $9 a month and I sure don't need that.
So my COBRA payment is going to be $368.78 a month.
I called the administrator back and this time got a person who was just one of the nicest, kindest people I've ever dealt with. She said they were a tiny operation and for the next 18 months, she's there for any and all questions I have. She checked right then and found that 1. I'm still covered, no problem. 2. There is already a note attached to my file that my boss will make the 8/1 and 9/1 payments. 3. So my first payment isn't til October.
She's perfectly fine with my setting up autopay from my bank.
I knew I was worried but until I talked to her and knew that everything was fine AND I have a wonderful resource at my beck and call for the next 18 months, I honestly had no idea how worried I was. The relief is enormous.
(no subject)
Date: 2012-08-18 01:34 am (UTC)(no subject)
Date: 2012-08-18 01:42 am (UTC)Just saying..
Okay. i said that,
(no subject)
Date: 2012-08-18 01:46 am (UTC)You don't have to read any of it!! I write for me. If others want to read, great, if not, no sweat.
Seriously.
(no subject)
Date: 2012-08-19 09:01 pm (UTC)(no subject)
Date: 2012-08-19 09:02 pm (UTC)