Ask An Insurance Pro - Question and Answers

Answers to your Insurance Questions - Ask Your Question

Health Insurance Question from Hogtown, Indiana

Asked on 6/28/2010.   This question has received 1981 views.
When switching over to cobra ins, im already 100% out of pocket do u have to start over on our deductible.   Oct of 2009 i switch over to cobra i was 100% out if pocket.in may 2010 my ins. got cancelled enen though i was paid up on cobra. ihave been on longterm disability from work. Work switched policys but stayed with same ins. co. they had never switched me over to cobra. I got this mess fixed now but got my ins. summary now they me starting over on my deductible. Is this right, they have paid up 100% until may 17 2010

 Notify me of updates.

Answer given on June 29, 2010 by TH


If your employer switched carriers, it is highly likley that the deductibles didn't carry over.  This is a common occurance, but there are exceptions to the situation.  Typicallly, renewal periods occur for a given company can be on the first or fifteenth of any month of the year.  This is when your deductibles start over.  If your ex-employer switched carriers outside of the renewal date, it's entirely possible that you will have to start over again on your deductible.  Sometimes the plans will provide credits, but you would have to talk to your company administrator or their new insurance company to see if that's something they arranged for during the changeover.  Again, don't get your hopes up.  Providing credits for another carrier's deductible is not the norm.

Without having any other details as to your plan and company's program, I can only assume that you are part of a group with 20 or more employees, and your employer pays the majority of the employee's premiums, etc., in other words, a typical group plan. 

Also, you may have a different deductible now than before, so if it's higher than what you had previously, be ready for that, too. 

I'm not sure how your situation started, but I can also assume that you were on LTD and then lost your job, which triggered your rights to COBRA.



NOTE: The IMPORTANT NOTICE below is a part of this answer!

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.