Off-Topic: Pre-existing conditions and COBRA

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	Name:	GoneFishin -
	Subject:	Pre-existing conditions and COBRA
	Date:	3/22/2010 8:00:08 PM

The Certificate one receives when employment is terminated enables one under COBRA to become insured under a new plan with out a pre existing exclusion as long as it is exercised it within 60 days. While you seem to want to congratulate the insurance companies for this coverage, it is mandated by the federal law COBRA. This is the same federal government that you are now having a probLem supporting.

Prior to COBRA, insurance companies were required by state insurance laws to offer a conversion privilege when one left a group plan. The conversion privilege was always expensive and had reduced benefits from the group plan. It was an individual policy that one could keep by paying the premium. The rates were high because most who converted had pre existing conditions. COBRA replaced the conversion privilege.

Who do you think pays for the additional claims as a result of the COBRA benefit covering pre existing conditions? It is added to the premium paid for by the employer and employee.

COBRA is MANDATED by the Federal Government. Trust me, insurance companies only offer COBRA FOR pre existing coverage and continuation of coverage because the federal law requires it. So, maybe you need to hang your head down for your access to a federally mandated plan called COBRA. Or, maybe since it benefits you it is acceptable.

Other messages in this thread:

View Entire Thread

Pre-existing conditions and COBRA - Lifer - 3/22/2010 1:05:22 PM

Pre-existing conditions and COBRA - GoneFishin - 3/22/2010 8:00:08 PM

LIberals spin - Lifer - 3/23/2010 8:26:37 AM

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