Thanks ecmst12 for reply
Technically COBRA coverage is usually a brand new policy issued under the same terms as the old, but being paid for by the insured instead of the employer. If you were told originally that your deductible and coinsurance limits would carry over, have you contacted customer service to find out why this is not happening? I believe the OOP amounts that you have paid SHOULD carry over, ...I was told by The HR Dept of the former employer, by that companies "COBRA implementation" contractor, and by contact with the insurance companies member service line (2 times) that the accumulated deductibles and co-pays should carry forward. The insurance co has a specialists researching that. However, I did not contact them until late December because the account was not activated until then and I was unaware that the oop's had not be carried forward.
but you have confused the heck out of their computers by switching from family coverage to just you being covered, when you were not even the primary insured person originally. I didn't even think that was POSSIBLE.The US DOL website defines Cobra entitlement, in part, as a individual ...who is either an employee, the employee's spouse....
While my situation may be unusal and has certainely confused their computers, it would seem that they would be required to accomodate my COBRA coverage.
In searching the forum prior to my post, I found your replies, as well as CBG's, very helpful. Thanks again