I recently left my job at Yahoo! in Northern California and am relocating to Portland, Oregon to try my hand at self-employment. Extending my existing medical coverage with COBRA will cost me, my wife, and our three-year-old son $1200/month, which seems absolutely insane. Please help me understand the risks or consequences of waiving COBRA and getting new a new insurance plan.
Continuing my Aetna PPO option through COBRA will cost me more than double every other quote listed on eHealthInsurance in Oregon for our family, even for those plans that appear to be comparable. (My existing plan has a $750 annual deductible, $2,750 maximum out-of-pocket, and $15 co-pay for office visits and preventive care with no deductible.)
What's so great about COBRA that it costs more than double everything else? Am I going to screwed with some sort of pre-existing condition nonsense by not continuing coverage from my previous employer? What are the risks by giving up COBRA? Plus, will I even be able to use COBRA if I'm moving from California to Oregon? (Aetna doesn't appear to offer individual coverage in Oregon, so is every doctor out-of-network?)
And finally, is there anything I should look out for when buying through eHealthInsurance? If anyone has specific recommendations for Oregon providers, that would be wonderful.
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3 comments:
ONE DAY THIS MAN ALSO WANT A INSURANCE BECAUSE HE IS A CHEATER
I GOT MIXED UP WITH SOME WORKS WITH HIM.SORRY FOR ALL,THIS BLOG HELPS ME A LOT FOR MY INSURANCE MATTERS.
I have mixed opinion related to this post. I am still not in the condition to answer whether you should keep COBRA or try another health insurance plan. This time you have to take your decision yourself. I can't suggest you anything.
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