when switching over to cobra ins, im already 100% out of pocket do u have to start over on our deductible.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 28, 2010

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Insurance Question from Hogtown, IN

Asked on 06/28/2010

when switching over to cobra ins, im already 100% out of pocket do u have to start over on our deductible. Oct of 2009 i switch over to cobra i was 100% out if pocket.in may 2010 my ins. got cancelled enen though i was paid up on cobra. ihave been on longterm disability from work. Work switched policys but stayed with same ins. co. they had never switched me over to cobra. I got this mess fixed now but got my ins. summary now they me starting over on my deductible. Is this right, they have paid up 100% until may 17 2010

Answer given on June 29, 2010

If your employer switched carriers, it is highly likley that the deductibles didn’t carry over.  This is a common occurance, but there are exceptions to the situation.  Typicallly, renewal periods occur for a given company can be on the first or fifteenth of any month of the year.  This is when your deductibles start over.  If your ex-employer switched carriers outside of the renewal date, it’s entirely possible that you will have to start over again on your deductible.  Sometimes the plans will provide credits, but you would have to talk to your company administrator or their new insurance company to see if that’s something they arranged for during the changeover.  Again, don’t get your hopes up.  Providing credits for another carrier’s deductible is not the norm.

Without having any other details as to your plan and company’s program, I can only assume that you are part of a group with 20 or more employees, and your employer pays the majority of the employee’s premiums, etc., in other words, a typical group plan. 

Also, you may have a different deductible now than before, so if it’s higher than what you had previously, be ready for that, too. 

I’m not sure how your situation started, but I can also assume that you were on LTD and then lost your job, which triggered your rights to COBRA.

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