User

Welcome, Guest. Please login or register.
April 16, 2024, 01:57:59 am

Login with username, password and session length


Forums Index

Stats

Members
  • Total Members: 37634
  • Latest: Hope007
Stats
  • Total Posts: 773156
  • Total Topics: 66329
  • Online Today: 225
  • Online Ever: 5484
  • (June 18, 2021, 11:15:29 pm)
Users Online
Users: 0
Guests: 219
Total: 219

Search

Welcome


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Do I Have HIV?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.
« previous next »
Pages: [1]   Go Down

Author Topic: Question Regarding Guarantee Issue Health Insurance  (Read 3412 times)

0 Members and 1 Guest are viewing this topic.

Offline Gary S

  • Member
  • Posts: 60
Question Regarding Guarantee Issue Health Insurance
« on: May 30, 2013, 03:37:47 pm »
My Cobra is ending in August and my Medicare does not kick in until September so I have a 1 month gap. I will be eligible for guarantee issue health insurance (under HIPPA) but it is outrageous (like $1500 a month for a $10,000 deductible policy) and they require 2 months payment in advance.

Since you have 63 days from when your Cobra ends to get this insurance, I was wondering if I could wait and see if anything catastrophic happens (like a heart attack or serious car accident) before Medicare kick in and if so, send in the money. Will I be covered retroactively back to when my Cobra ended?

This is often the advise given to people eligible for Cobra with a gap of less that 63 days between group insurance policies.

If nothing serious happens in the 30 days from when my Cobra ends to when Medicare kicks in, I SAVE $3000!!! but can't take the risk if I can't retroactively get the guarantee issue insurance. I seem to be getting conflicting information on this and was wondering if anyone had any experience or knowledge regarding this type of scenario.

As always, thanks for all of your help
Logged
Pages: [1]   Go Up
« previous next »
 

Terms of Membership for these forums
 

© 2024 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.