brenpren07

Cobra is an extension program for insurance coverage, at least as far as I know. I was covered by united healthcare as a dependent under my parents and when they said they would cover the band it was under the stipulation that I be 23 years old. Well, just so happens that as a dependent, you lose your coverage on your 23rd birthday so they were trying to circle their way out of paying for my band. Thats when I got cobra... basically my parents appealed to them saying I was still a full time college student and I needed my coverage extended. We had to pay alot of money to extend through cobra though... about 4 months for nearly $2000 for coverage alone, then I have coverage for my surgery and they approved me, but it was a couple thousand on top of that for my out of pocket expense on my surgery. It was a good deal, but its not something you can just get as it is an extension of existing coverage. Hope this helps!