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Posted by tonyb for S. Sheldon Weinhaus on June 12, 2002 at 13:04:03:
In Reply to: Coverage denial & pre-exisiting conditions posted by Lee on June 12, 2002 at 12:05:17:
Ordinarily COBRA is offered at group rates while individual conversion
policies are offered at far higher rates and usually with less generous
benefits. Hence I am very surprised this person found the same coverage available from the same insurer for lesser rates. Something sounds fishy.
Unfortunately once COBRA premiums are stopped and become delinquent, there is no right in starting them again even if the 18, 29 or 36 month period
COBRA allows, had not expired.
About the only thing practical that I can suggest is that the individual
call the consumer service office of her state's department of insurance, and
perhaps they can help get her the records or help her find out the reasons. Maybe they can even talk the insurer into covering her. I cannot imagine an
insurer willing to cover a pregnancy/delivery for a new applicant who is then pregnant, but I cannot explain why they do not offer to insure but exclude the pregnancy/childbirth and complications therefrom, so perhaps there is more in the medical records that the question does not reveal. I
know nothing about the laws of this individual's state, so venture no answer or opinion.
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