Thread regarding Dream Center Education Holdings, LLC (DCEH) layoffs

COBRA??? Medical insurance?

So, I was laid off from Argosy with the closing on March 8. The letter says our health insurance ends March 31. However, I also have doctor bills from Jan that were never paid, so wtf, is this "self-funded_ insurance even real??? Anyone heard about cobra? I have a spouse and 3 kids that have medical issues. When are they going to send out information? Will there even be any cobra ???

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Post ID: @Ycii32m

17 replies (most recent on top)

Thank you for the letter, it isn't in my HealthJoy, unsure if it only shows for previously terminated employees or also current.

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Post ID: @Ycii32m-9ezy

The HealthJoy letter is also at:

https://s3.amazonaws.com/hj-g/letter_from_ceo.pdf

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Post ID: @Ycii32m-9jlj

The letter was posted in the chat area of the HealthJoy app.

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Post ID: @Ycii32m-9lab

Where do you see the letter within the HealthJoy app? Also is this only showing for those already termed or those still working? I had to request a letter via HR1.

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Post ID: @Ycii32m-8mse

Thanks for the tips. I see there is a letter now available on the HealthJoy App that we can submit to show our benefits end March 31.

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Post ID: @Ycii32m-8sxw

Dear HealthJoy Member,

I want to regretfully inform you that, it appears that as of April 1, 2019, we will no longer be providing our healthcare concierge services to Dream Center Holding entities and its employees and families. This discontinuance of service is as a result of the ongoing issues facing the Dream Center Holding entities. We may continue service with the spin-off entities in the future under a new employee benefits package.

HealthJoy is a 3rd party concierge service that helps employer groups service their employees by offering suggestions for healthcare savings opportunities, finding appropriate providers and generally assisting you with insurance-related questions. HealthJoy is not your insurance carrier, so HealthJoy is not responsible for coverage or claim processing.

We appreciate your dedication to our services these past few months, and we look forward to giving you continued assistance through the remainder of the time that you have access to HealthJoy.

Regards, J. H.

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Post ID: @Ycii32m-7vpr

@Ycii32m-4dcw Do you have a screen shot of your email page showing your name and email when you received your termination letter? Can you screen shot a Fidelity page with dceh and the 'You are no longer no longer an employee' statement and your name on the same page, or get a statement from fidelity confirming you are no longer listed as a dceh employee? In my experience healthcare.gov can an accept anything remotely official for proof. Stressful to not have insurance.

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Post ID: @Ycii32m-5nvf

I applied at Healthcare.gov for healthcare but it's pending until I can prove that I don't have healthcare or a job. The email we got Mar 8 didn't have my name, just employee, so they won't accept it. And when I call Healthjoy they say call HR which doesn't exist? I emailed Stacy several times to get something with my name on it about the layoff and when health benefits ended but no luck. Has anyone had any luck or know a way around this?

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Post ID: @Ycii32m-4dcw

The providers will still show you are insured but won’t pay out. To them it still looks like you are covered right now even though you are not.

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Post ID: @Ycii32m-kei

Go to https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa

File a complaint.

I was directed here by the department of labor.

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Post ID: @Ycii32m-hwg

https://www.healthcare.gov/unemployed/coverage/

Push comes to shove, your family needs to be insured. Try this site. It's the option of last resort and thank God for it.

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Post ID: @Ycii32m-jss

I’m confused by this post. I was also laid off March 8 but used my medical and dental insurance right before the layoff. The office called and verified that I had coverage...

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Post ID: @Ycii32m-fhr

This article provides some information about when an employer deducts health insurance premiums but provides no insurance.

https://www.chicagotribune.com/suburbs/ct-ahp-column-help-squad-tl-0830-story.html

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Post ID: @Ycii32m-lsw

This is just so sad, Dream Center Foundation as Christians and the cause of this disaster need to step up. Instead they are waiting for all laid off from DCEH schools to become destitute and visit their facility for help. Then they can help us get back in our feet.

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Post ID: @Ycii32m-stk

From ehealthinsurance.com if DCEH declares bankruptcy: My employer has filed for bankruptcy. Can I qualify for COBRA? Generally no. If your employer is no longer offering a health insurance plan to current employees, then you will not qualify for COBRA.

Even if they haven't declared bankruptcy, COBRA is only an option if the company has a health plan but if the DCEH plan is "on hold" (basically doesn't exist!), then it isn't available to us. COBRA is basically just us paying everything for same plan, covering our portion of the payment and the employer's portion of the payment that they previously paid, plus an admin fee. No plan means no COBRA. We basically have to explore other alternatives which is what I'm doing right now.

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Post ID: @Ycii32m-oxj

I'm still employed and I can't use my "insurance" haven't been able to since we switched from Aetna. Aside from the obvious legal issues about the missing title iv money, people not getting paid, etc, I feel like there should be some action taken by a higher power regarding this benefit scam... I mean, if my taxes require me to have health insurance or pay a penalty, shouldn't they be required to actually provide the insurance we are paying for... This company literally can't do anything right or legal.

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Post ID: @Ycii32m-bks

Theres no insurance. There hasn't been any for a long time.

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Post ID: @Ycii32m-nic

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