Belinda,

I am pretty sure that the employer should have sent to
you a form to complete to get on COBRA.  I think the
employer has a certain amount of days to do this once
your insurance ends.  You might want to ask somebody
about this.  In some cases the insurance company will
send you the info. and in some cases the employer is
responsible.  I live in TN and with my new insurance
my employer has to send the COBRA info. out offering
it. I know the old insurance we had the insurance
company did it.  I am not for sure but I think they
only have something like 14 days to get this out. 
They can get into trouble if they don't offer your
husband COBRA.  I agree with Wendy you should be able
to pick up the COBRA from the time your husband lost
the coverage.  I don't know when that was and COBRA
can be expensive but it would well be worth it
considering the circumstances.  Good luck if you do
end up having the surgery.  Be very careful with
yourself and don't try lifting anything or overdo it
when you get home. I had to have a hysterectomy about
10 years ago. 

Cindy   

--- wendy <[EMAIL PROTECTED]> wrote:

> Belinda,
> 
> I hope that the insurance situation is alleviated. 
> I
> think you are eligible to sign up for Cobra up to 8
> weeks after your insurance is terminated, but don't
> quote me on that date.  If you are, then get it,
> although you might have to back pay a little on
> Cobra,
> which might cover those 3-4k$ in bills. I am not
> sure
> though.  Sounds like you can't trust the people at
> his
> HR dept.  If Cobra will cover and you can still get
> it, even if it is a little pricey, go ahead and have
> your surgery if the doc says you need it!  Take care
> of yourself.  It's a shame we have to play our
> health
> to the tune of the insurance companies!!!  Also,
> have
> you had a second opinion on needing a hysterectomy?
> 
> Glad to hear that Bailey is doing well!  That's
> fantastic news.  You've been so diligent in fighting
> for him.  It makes us all proud to know you...
> 
> :)
> Wendy
> 
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