Cobra Coverage

[daluvoflife 41]

Hi all im new here. I been lurking for a while and finally had the courage to type up whats been going on. So i was recently fired from my job and when i say recently i mean last week wed, im happy im not there any more because my job was beyond stressful, but it has happen at a very bad time. I was just in the process of my first consult with the doctor which is going to be nov 30th my insurance ends nov 16. I do have the option of Cobra and everything will continue like i didnt even lose my insurance. So whats the problem you ask? the cost... for me alone with medical is 537 a month, now with a one income home i'm just feeling so guilty. Do i feel that we can make the payments? Yes its doable but its such a stretch. So i wanted to get some honest feedback, especially from people who had the surgery.

Should i do go ahead and take the chance and pay from the insurance, keep in mind i don't know if i will get approved from aetna(cobra coverage) running the risk of paying the premium and might not even get approved...

But i could get approved which makes the cost of the payments each month worth it. Either way my husband supports me but i know he would be stretched out. I'm also looking into medicaid in VA because i heard they might cover it also but then again thats a might.

Help me with your honest opinions, if you had to pay that amount for insurance to get your sleeve would you do it? Is it worth it?

[daluvoflife 41]

Anyone?

[evelynvsg 136]

I had Cobra and they approved my surgery.

[evelynvsg 136]

I am still paying 372 a month for my coverage.

[daluvoflife 41]

Thanks that's g poood to hear makes me feel positive. When did u have ur surgery

[evelynvsg 136]

I had surgery on 8/29. :-)

[vswannabe 0]

I had Cobra and they approved my surgery.

Hi Evelyn, I was just told that I'm losing my job & my employer is paying in full for 1 month if Cobra ins. If Aetna has approved me do you know if I will need approval frim Cobra as well? I was told that I needed to send was weight history for 2 yrs (I got everything else done) and I would be approved by Aetna.just wondering how Cobra works..

[daluvoflife 41]

From what i was told everything stays the same like you never lost insurance so if aetna approved you then your approved. I do have a question for you about the 2yr weight history that aetna requests. Does it matter if you were not as big 2yrs ago as now. For me i was always overweight but not a bmi 40, does that affect being approved??

[evelynvsg 136]

You wont have to resubmit everything again. I had the same situation. I was approved before losing the job by Anthem and it was approved within hours by Cobra. The benefits wont change. You will be fine. :-)

[evelynvsg 136]

From what i was told everything stays the same like you never lost insurance so if aetna approved you then your approved. I do have a question for you about the 2yr weight history that aetna requests. Does it matter if you were not as big 2yrs ago as now. For me i was always overweight but not a bmi 40' date=' does that affect being approved??[/quote']

I wasnt that big before I had my son. I was 200-205lbs back in 2008. Then I had my son in 2010 and thats when I gained more... I still got approved.