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

COBRA?

Just curious if anyone got their cobra paperwork? I got my paperwork Thursday. How is that supposed to work? Didn't Dottore basically cancel insurance for the few remaining employees? Do they think we are stupid enough to pay them when the insurance they did provide denied so many claims?

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Post ID: @YyqhNsE

14 replies (most recent on top)

"If your spouse has insurance this is an event where you can sign up under their plan. It only cost us $25 a paycheck or $50 a month."

...Please be specific here as viewers might expect they can receive the same rate. I was never on the DCEH healthcare plan and I pay $200 per week for my spouse and I through my regular job. Every company has a different plan and charges their employees a different rate. It's important for people to research the specific costs for their spouse's plan before making a commitment.

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Post ID: @YyqhNsE-5quw

1iky, you are the one inserting politics here. The fact is health insurance S---S. If you believe that $1,100.00 a month premium, $8,000.00 annual deductible, $80.00 co-pay to PCP, $200.00 co-pay to specialist and $1,500.00 co-pay for Emergency visits for SINGLE person coverage is great insurance you have more money than brains. Add in a family of 4 and you're paying over $2,000.00 just in monthly premiums plus 4 times the annual deductible for Obamacare.

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Post ID: @YyqhNsE-3kld

“If your spouse has insurance this is an event where you can sign up under their plan.“

This is accurate. A layoff or loss of employment is a qualifying event. Outside of open enrollment, you can still enroll in a spouse’s plan if you have a qualifying event.

If you choose to continue under the COBRA plans you were sent by DCEH, you’re just continuing to fund them, since they are self-insured.

Giving money to the company that caused all of these layoffs, and stiffed employees for their last paycheck, we’ll anyone who’d do that is a masochist and has mental health issues. Make sure to use your DCEH “insurance” to get counseling.

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Post ID: @YyqhNsE-3clv

"If your spouse has insurance this is an event where you can sign up under their plan. It only cost us $25 a paycheck or $50 a month."

But hold on a second my overly optimistic friend! If your spouse has insurance from work you most likely can be covered under his/her insurance. But the "event" you cite is not the 'I lost my job so cover me' event. The event you may be referring to is called her company's enrollment period which is usually a once a year opportunity to do so. As far as the premium is concerned that depends on the locality you may live in and the comprehensiveness of the plan, among other things. But it's usually pretty modest. Anyway you look at it, being insured this way is a good deal if it's available to you.

*Addendum: Many companies today such as Humana and Tenet HC to name a few will also cover legitimate domestic partners. This is called, dare I say it, progress. People need to be insured!

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Post ID: @YyqhNsE-3tqw

If your spouse has insurance this is an event where you can sign up under their plan. It only cost us $25 a paycheck or $50 a month.

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Post ID: @YyqhNsE-2okv

Had to go to dentist today. The dental insurance was accepted. I am on COBRA. Used GoodRx for pr-scrip-ions and it worked for discount.

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Post ID: @YyqhNsE-2pnw

: @YyqhNsE-1nni

"You can temporarily go on Medicare if you qualify while looking for another job."

(This statement is incorrect, incomplete and deceptive but may assume that you have a qualifying disability. Since the poster was recently working, I'll assume he doesn't. Otherwise you can't "temporarily" go on Medicare.)

"The safety net is there for a reason" (for those who are, again,-- disabled with documentation--and unable to work and not because they lost a job. Unless they are 65 or disabled.

"Plus most long-time employees have paid into their benefits with their tax dollars."

(And you can access those Medicare benefits if you are 65 or older, or, you are DISABLED.)

"COBRA and Obama Care are terrible insurance due to the very high premiums and deductibles."

You are correct in this assertion as they are typical of what most health insurance polices are these days---high cost and catastrophic. And yes with high deductibles, co-pays and premiums.

So tell us in the real world, what is your alternative repeal and replace plan for this person? Oh, that's right. It's the BUPKIS plan.

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Post ID: @YyqhNsE-1qrz

You can temporarily go on Medicare if you qualify while looking for another job. The safety net is there for a reason. Plus most long-time employees have paid into the benefits with their tax dollars. Cobra and Obamacare are terrible insurance due to the very high premiums and deductibles. HealthJoy (aka HeathSad) was terrible as well.

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Post ID: @YyqhNsE-1nni

@YyqhNsE-1iky

Having sensed the tinge of politics here, maybe the poster could avail himself of the Republican repeal and replace plan. This plan is really great. It's really terrific and really so special and so wonderful too. No super high premiums, no super high deductibles and no super high co-pays. And of course it covers preexisting conditions.

And once Obama Care is repealed, it's replaced with BUPKIS!

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Post ID: @YyqhNsE-1nkb

Good luck with Obamacare, super high premiums, super high deductibles and super high co-pays. You're better off checking out short term insurance plans if you're planning on getting another job with benefits.

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Post ID: @YyqhNsE-1iky

1) Children's Health Insurance Program - Wikipedia https://en.m.wikipedia.org/wiki/Children's_Health_Insurance_Program

2) Affordable Care Act Exchange (Obama Care)- The lowest cost plans are essentially catastrophic illness plans but preexisting conditions will not exclude you or family from coverage. from coverage.

Hopefully a combination of both plans may get you, your spouse and children covered. Folks have to have health Ins, PERIOD!

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Post ID: @YyqhNsE-1tjm

Does anyone have any suggestions for low cost insurance?

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Post ID: @YyqhNsE-xlx

Pr-scrip-ions have been denied before we had to COBRA the benefits. Other benefits have also been denied after being initially approved pre COBRA so it seems that giving money to them for insurance might not be the best idea. I also just got COBRA paperwork this week. Not signing up.

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Post ID: @YyqhNsE-tup

I am on COBRA and the pr-scrip-ion coverage was denied at my pharmacist a couple of days ago.

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Post ID: @YyqhNsE-wll

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