Dealing with Cobra

We finally got our Cobra information last Friday in the mail.  Our insurance lapsed on March 1st since my husband was let go from his job.   As soon as we got the info, we read it, found out how much our payment was going to be, and wrote a check to cover 4 months worth of insurance.  Then my hubby high-tailed it to the post office to send it overnight so we can get coverage reinstated as soon as possible.

I got a call from Texas Children’s Hospital’s billing office saying that Hannah’s infusion on Monday may be disrupted because our insurance is showing ‘inactive.”  I explained to them that we elected the Cobra and that we were waiting on them to reinstate the insurance, which we read is retroactive all the way back to the first day it lapsed.   She kept saying, “Well, I will need to talk to someone about this, but I may have to call you back to cancel it.”

I talked to the Infusion Center director, and she said that she can have Hannah’s doctor write a letter of medical necessity that Hannah get her infusion without problem so that they will go ahead with the infusion.  Worst case scenario, she said, was that we would be charged for the services until Cobra is activated and just not to pay the bill when it comes to us.

Of course that makes me nervous, but Hannah NEEDS to stay on schedule with her infusions.  She has not missed one yet, and I don’t want to start now!

I’m keeping my fingers crossed that they don’t cancel on us for this Monday’s infusion!