omar_strollin

http://www.reddit.com/user/omar_strollin

Highest Rated Comments

omar_strollin407 karma

I'm truly amazed on how seamless your skin looks! Are you fully recovered, or do you have to return for "touch ups" or additional surgeries in the future?

omar_strollin178 karma

Very cool, I wish you all the best!

omar_strollin17 karma

I'm so sorry you had to go through that at such a young age. hugs

omar_strollin15 karma

With good reason!

omar_strollin2 karma

The cost of COBRA is the rate your employer is paying before any subsidies they provide to you. If self insured, that goes back to your employer. Fully insured goes to the insurance carrier, now all by you instead of shared with your employer.

It's already set from the first effective date of the plan, not brokered specifically to fuck over people leaving the company.

I'm not defending insurance companies (my job is actively working against them), but it's more nuanced than you're suggesting. COBRA *is" still highly unaffordable, but if self insured it's your old job fucking you, not insurance.

As the OP stated, it can be retroactively activated if you're between jobs and incur a claim, after the fact. That is an enormous patient protection, especially given the premium costs.