Insurance
If we cover ME on the health insurance for cobra, cobra will cost us 2937. If it is just hubby and kidlets then it drops to 1924. So, we can save 1000 bucks for not covering March-June on Cobra. We actually won’t owe the money until June. While we will have the money, I wonder if we should just skip covering me and use that money for something much better, say saving up for a home in VA? Or using it buy the stuff we will have to replace since we’re going to need some new things. I mean I’m choosing to leave broken furniture and stuff but I mean like… the microwave I’ll have to buy since we have a built in here… and things like that. I don’t have to send the form in until the end of April and we’ve been putting it off. But we do have to cover the kids because we need Caramon’s “pre existin condition” thing to be nixed. Plus they are kids, so you never know when they are going to do SOMETHING…
Any thoughts/advice would be appreciated. Is it bad that I’m thinkin about just skipping my insurance?
Lady Ozma's Journey 
brycen said:
Cobra Sucks
Yeah skip cobra on yourself. and I went through the same decision in Jan when he lost his job. Even though my meds are costly, our cobra bill would still cost more than my meds. Fil thinks it is insane that we gave up the cobra but it meant surviving. We have regular meds that total $275 a month for the two of us. Our Cobra would have been $600 and it barely covers my meds. Why should I bother? Nyssa qualifies for peach care here so we do not even have to worry about her.
Brycen
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Lady Ozma said:
Re: Cobra Sucks
Hey I didn’t know you had an LJ!! 🙂 (HUGS)
our cobra will be the exact same coverage we had before. So while it is mega bucks… it is worth it. Especially for caramon since he REALLy needs to go in for a follow up appointment. *SIGH*
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brycen said:
Re: Cobra Sucks
I just got my LJ account after lots of nagging from friends and Mike.
I can definately see the need for the kiddos. You never know what they will get into. As an adult though you will survive without it. I am thankful for our peach care system. If it was not for that, we would have forked out the money for the cobra so Nys would be covered. Our health insurance sucked to begin with so there was no making it worse.
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Lady Ozma said:
Re: Cobra Sucks
I noticed you guys had a little string of locals around ya! 🙂 That’s cool. Well I went and added you to my friends list! 🙂 ((HUGS)) LJ is fun. HEHE
yup I thought the same about cobra. And saving 1000 bucks? I’m there man.
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tsukikage85 said:
eh
a) What exactly is cobra? Just the health plan you’re on?
b) Why are you even CONSIDERING ditching health insurance? For good?
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Lady Ozma said:
Re: eh
a) Cobra is what you go on if your insurance gets axed due to leaving job. In our case hubby got new job and new job does not have insurance for the first three months. So we go on cobra to continue our old health care for those three months so we are not left health care lacking. At the end of the three months cobra will end and we will go on the affordable work insurance at new job.
b) Just considering ditching insurance on me for the three month spread to save like mass quantities of money. I’ll be reinsured in June when the new health care kicks in.
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Lady Ozma said:
Re: eh
a) Cobra is what you go on if your insurance gets axed due to leaving job. In our case hubby got new job and new job does not have insurance for the first three months. So we go on cobra to continue our old health care for those three months so we are not left health care lacking. At the end of the three months cobra will end and we will go on the affordable work insurance at new job.
b) Just considering ditching insurance on me for the three month spread to save like mass quantities of money. I’ll be reinsured in June when the new health care kicks in.
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