Aa
Job switch insurance question
Hey girls!! hope everyone is well! i know someone asked a simliar question below about insurance, but i was also wandering about cobra.. I am insurance thru my husband and we have great coverage -100% of everything and no copays! wow! anyhow i think he is going to be switching jobs, but will have a two month gap of no job.. I have the option of insurance thru my employer, but I hear its not very good and doens't cover many OB costs.. So i was wandering if anyone has used Cobra? is it the same coverage i have now, but we will pay extra to continue it? I am just thinking that it may be more cost effective to do that for two months, rather than switching to my insurance (which apparently doesnt cover anything) and then two months later switching again (he will hopefully have good insurance in a few months). Also i'm on heparin and high risk pregnancy, so i go to the dr every 3 weeks right now. ANY advice is greatly appreciated!!! thanks!!! :)
thanks so much heather!!! wow.. thats good to know about the new bill.. yea we were just estimating it would be around $1000 or so.. i was hoping we were over estimating! i just hate to pay for insurance thru my employer that doesnt even cover anything! well all i have to say is i'm glad that we have to worry about pregnancy and insurance!! YEAAA!! congrats again! i'm soo happy for you!
Hi bny!
We're actually on cobra right now, and it's pretty darn expensive! It all depends on the type of coverage you have and how much your husband's employer is paying per month. With cobra, you will end up paying for all of this yourself (including all the costs currently covered by the company). The new "cobra act" (can't remember the actual name) that was recently signed by the president did help quite a bit, though. It ended up cutting our monthly payment from over $1,000 a month to less that $500. We've been paying the full amount to far, but received a letter in the mail a couple of weeks ago, stating that it will be retroactive.
So I guess it all depends on the coverage you would have under your insurance compared to how much your husband's cobra would cost. Oh and the 100% coverage with no copay is much better than what we used to have, so that might be even more expensive to continue than ours.
Best of luck, bny! Thankfully it's only for two months!
We're actually on cobra right now, and it's pretty darn expensive! It all depends on the type of coverage you have and how much your husband's employer is paying per month. With cobra, you will end up paying for all of this yourself (including all the costs currently covered by the company). The new "cobra act" (can't remember the actual name) that was recently signed by the president did help quite a bit, though. It ended up cutting our monthly payment from over $1,000 a month to less that $500. We've been paying the full amount to far, but received a letter in the mail a couple of weeks ago, stating that it will be retroactive.
So I guess it all depends on the coverage you would have under your insurance compared to how much your husband's cobra would cost. Oh and the 100% coverage with no copay is much better than what we used to have, so that might be even more expensive to continue than ours.
Best of luck, bny! Thankfully it's only for two months!
Have an Answer?
You are reading content posted in the Pregnancy 35 and Older Community
Get information and tips on how to help you choose the right place to deliver your baby.
Get the facts on how twins and multiples are formed and your chance of carrying more than one baby at a time.
Learn about the risks and benefits of circumcision.
What to expect during the first hours after delivery.
Learn about early screening and test options for your pregnancy.
Learn about testing and treatment for GBS bacterium.
