Can I switch from Cobra to other Health Plan (through Covered California) as long as its within 60 days of losing my job?
Hello all, I am in a pretty ambiguous situation and any advice or knowledge would be appreciated. My company fired me from my job on August 28, and my health insurance with them ended the last day of August. They decided to pay for my Cobra for just September (a subsidy). I had to go to the doctor this month so I just enrolled in Cobra so that I would have coverage for the appointments. I was planning to keep my Cobra Dental and Vision but end my Cobra Medical plan at the end of this month since its not affordable really now that my company isn’t paying anymore. I was asking the Cobra rep about terminating just one health plan with Cobra and she mentioned that I would no longer qualify for Special Enrollment for other health insurances/plans. She said that I used my Qualifying event (loss of coverage) to enroll in Cobra and now that I have Cobra that event no longer applies since I have coverage and that I’d need to keep Cobra until the end of the year. Is that true that my event is no longer applicable / closed or am I allowed to still use that event to specially enroll into a different health insurance plan as long as it’s within 60 days?
I’m still looking at health plans right now but I was considering doing Covered California, so after hearing that I decided to call them and try to get clarity whether I can do special enrollment with them or if I’m stuck with Cobra. The reps said different things which led to a bit more confusion and I now don’t know how reliable their information was since they also sounded uncertain. One initially said that I have health insurance now so I can’t specially enroll but then later changed that and said I could, another said that I could specially enroll because as long as its within the 60 day special enrollment period after losing my job nothing else matters even if I have Cobra, and that when filling out my application to put my loss of coverage date as the end of August. And the third one said that my loss of coverage would actually be the last day of September when my Cobra would end and that last one just sounded wrong so I gave up. They all sounded uncertain and mentioned that they don’t deal with Cobra too often so I’m now worried that the info I did get might not even be right.
I tried searching the Covered California website for information but it was a bit ambiguous. One section seemed to say I could do Cobra for 1 month in between health coverages after losing employee coverage but it was unclear if I had to have applied to Covered California first before enrolling in Cobra, and that I ” must cancel the COBRA coverage once the Covered California plan becomes effective.” Does that mean I have to cancel all including vision and dental plans too? Another section said an option is to “Decide not to participate in COBRA and apply for special enrollment through Covered California. ” seeming to imply I can only do special enrollment if I decline Cobra.
I also asked them if me no longer getting that subsidy for my employer would qualify for special enrollment event but they all said that’s irrelevant and focused on my loss of coverage from losing my job in August potentially being a qualifying event. I wasn’t sure if it could or not either, because my employer paid the first month, and then its my responsibility afterwards and if I can’t that would be considered voluntary termination of coverage I believe, which wouldn’t qualify for special enrollment.
If anyone can give any advice that would be great. I tried to do as much research as I can but I’m really worried that I’ll enroll in Covered California and then terminate my Cobra Medical plan next week, and then either:
Covered California will deny me down the line because when they do check in the health system it’ll show I had coverage after my qualifying event with Cobra, so I shouldn’t have been able to special enroll and do one of their plans and I’ll have to pay that all back in taxes or back pay and will have no insurance.
Covered California will consider me having dental and vision plans with Cobra as other health insurance and when they do their checks the same thing will happen and deny me coverage and I won’t have insurance and will owe money.
Also if any one has any recommendations of other insurances to explore( and if I can even still special enroll at this point) that would be great too. Background info: I am 24 in California, and I’m waiting for my Unemployment Eligibility Interview but I believe I will qualify for the max unemployment benefits.
Sorry for such a long post. This is the first time I’ve been unemployed and in this situation and I’m doing the best I can solo so I thank you for your patience and advice in advance!