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WANTED PEOPLE TO BEWARE OF THIS
posted at April 2, 2012 5:39 PM EDT
First: April 2, 2012
Last: April 2, 2012
I had no idea that if one begins Cobra health insurance and is Medicare eligible that one MUST sign up for Medicare Part B even if one already had Part A. I had had Anthem coverage for years thru spouse's job so only got Part A when I began Medicare in 2009. My husband and I began Cobra 1-1-11 and I did not find out that Medicare then became my primary health insurance. More than I year later I just learned that ANthem took back all the money they paid toward outpatient medical claims for me, but has continued to accept my monthly premiums to have health coverage with them (totaling $1000's to date). Anthem said they had no responsibility to tell me of this situation, and so today I owe $1000's out of my pocket for outpatient medical care I received in 2011 to date. This situation is spelled out in Medicare handbook I have since learned, but I never looked there since I never had needed Medicare B since I had Anthem. I didn't know my coverage was to change when beginning Cobra. This is a nightmare, and even insurance agents I've spoken to did not know of this apparently obscure situation when starting Cobra. I had 8 months to sign up for Part B in 2011 if I would have known, have just signed up for Part B, but it won't begin until July 2012. I want everyone to become aware of this Cobra-Medicare situation, and hopefully not find themselves in the situation I am now in. Kay L.