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Cobra Notification California

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  • Cobra Notification California

    My insurance company never sent me the cobra election paperwork despite me requesting it. After a few more phone calls, they said it was taken care of, and to expect a bill for coverage, but that never came.

    Yesterday, I got a bill for the full price for a prescription that was covered under the plan.

    It seems that I am no longer covered. Any advise on how to correct this?

    I had a similar problem last year with the same company that eventually got worked out. (It's seasonal tax work)

  • #2
    Unless there's something odd in California laws, your employer (or their administrator) should be the one sending COBRA information. I've never heard of it coming from the insurance company.

    Just to be certain, this is the Federal COBRA and not the state continuation for small groups, right? It makes a difference where you report it.

    BTW, even in CA, it is legal to cancel coverage until your first COBRA payment is made, at which time coverage is reinstated retroactively to the cancellation date.
    The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

    Comment


    • #3
      Thanks CBG.

      It's a national company, so I'm thinking it would be under the federal rules. I don't know anything about CA specific cobra. I'd like to resolve with the company before taking it to the gov. I just don't the law well enough base a position off of.

      I think it's a third part administrator.


      Would it be possible to have the coverage reinstated on a go forward basis? Would that effect protability/preexisting conditions/and what not? I only needed it once during the period in question, and the full price was alot less then the premiums would be.

      Comment


      • #4
        It cannot be reinstated with a gap. It can certainly be reinstated retroactively to the cancellation date, and canceled effective when you no longer need it.

        Do you have any idea the date of cancellation? That would help.
        The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

        Comment


        • #5
          May 1. We were released from service on Apr 17, and they let us continue the normal coverage for the rest of April.

          Comment


          • #6
            California labor law attorney

            Why not contact the insurance company directly for status?
            Walter

            www.California-Labor-Law-Attorney.com
            "Wage and Hour Class Action Attorneys"

            Disclaimer: The above correspondence does not constitute legal advice nor establish an attorney-client relationship. You should seek the advice of independent legal counsel before relying upon, acting upon or not acting upon any information contained in this correspondence.

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            • #7
              I already know they don't consider me covered.

              They sent me a bill for a prescription that would have been covered.

              Comment


              • #8
                Do you know who the third party administrator is?
                The above answer, whatever it is, assumes that no legally binding and enforceable contract or CBA says otherwise. If it does, then the terms of the contract or CBA apply.

                Comment

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