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Should I take COBRA or get individual health insurance?

I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to decide if I want COBRA or not. At this point, if I choose COBRA, I have to pay for the months of February and March which have already passed. Its a federal law which makes no sense. But anyway, thats $1672 out the window. Am I better off using my money to get individual health insurance? My concern is that I dont know how having high blood pressure and my spouse being a smoker will affect things. Also, I recently had some dental work done and told them they may have to file a claim through COBRA if I do get it. The billing lady told me that they have problems with billing to COBRA because its taking COBRA 60 to 90 days to pay a claim which will incur interest for the patient. Has anyone experienced this? I'm just so confused about all this. I'd appreciate any advice.

   








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Should I take COBRA or get individual health insurance?
I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to decide if I want COBRA or not. At this point, if I choose COBRA, I have to pay for the months of February and March which have already passed. Its a federal law which makes no sense. But anyway, thats $1672 out the window. Am I better off using my money to get individual health insurance? My concern is that I dont know how having high blood pressure and my spouse being a smoker will affect things. Also, I recently had some dental work done and told them they may have to file a claim through COBRA if I do get it. The billing lady told me that they have problems with billing to COBRA because its taking COBRA 60 to 90 days to pay a claim which will incur interest for the patient. Has anyone experienced this? I'm just so confused about all this. I'd appreciate any advice.


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I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to decide if I want COBRA or not. At this point, if I choose COBRA, I have to pay for the months of February and March which have already passed. Its a federal law which makes no sense. But anyway, thats $1672 out the window. Am I better off using my money to get individual health insurance? My concern is that I dont know how having high blood pressure and my spouse being a smoker will affect things. Also, I recently had some dental work done and told them they may have to file a claim through COBRA if I do get it. The billing lady told me that they have problems with billing to COBRA because its taking COBRA 60 to 90 days to pay a claim which will incur interest for the patient. Has anyone experienced this? I'm just so confused about all this. I'd appreciate any advice.


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Should I take COBRA or get individual health insurance?
I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to decide if I want COBRA or not. At this point, if I choose COBRA, I have to pay for the months of February and March which have already passed. Its a federal law which makes no sense. But anyway, thats $1672 out the window. Am I better off using my money to get individual health insurance? My concern is that I dont know how having high blood pressure and my spouse being a smoker will affect things. Also, I recently had some dental work done and told them they may have to file a claim through COBRA if I do get it. The billing lady told me that they have problems with billing to COBRA because its taking COBRA 60 to 90 days to pay a claim which will incur interest for the patient. Has anyone experienced this? I'm just so confused about all this. I'd appreciate any advice.